455 Gerona Rd, Saint Augustine, FL 32086 Property Records

St. Johns County property record for 455 Gerona Rd, Saint Augustine, FL 32086

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,445 sqft · built 1994
Lot Size	0.18 acres (7,840 sqft)
Owner	Individual Name on Record
Last Sale	$152,500 (Aug 2009)
Tax Bill	$1,727 (2025)
Deeds & Mortgages	Jul 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`231140-0000`

Property Details

APN / Parcel Number

Primary APN	`231140-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,445 sqft Living Area
Gross Area	1,881 sqft
1st Floor Area	1,445 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,840 sqft (0.18 acres)
Lot Width	80 ft Width
Garage Type	Attached
Garage Area	436 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	20 sqft
Deck Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	455 GERONA RD
City	SAINT AUGUSTINE
State	FL
Zip	32086-6111
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS3
Legal Description	8-40 ST AUG SOUTH UT 7 LOTS 2080 & 2081 OR3230/454
Legal Range	30E
Legal Township	07S
Legal Section	31
Legal Subdivision	ST. AUGUSTINE SOUTH UNIT 7
Legal Block	7
Legal Lot Number	2080
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2014
Census Tract	21302

Owner

Source: St. Johns County records, as of June 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	455 GERONA RD, SAINT AUGUSTINE, FL 32086-6111
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 17, 2009 · Amount on Record
Deed Sale	Aug 17, 2009 · Amount on Record
Prior Sale	Nov 14, 2005 · Amount on Record
Deed Document Number	200941839
Deed Book / Page	3230 / 454
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	455 GERONA RD, SAINT AUGUSTINE, FL 32086-6111
Document Number	0049900519
Instrument Date	Jul 8, 2020
Transaction Type	Mortgage
Record Updated	Aug 14, 2020
Title Company	TITLE365 - OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	455 GERONA RD ST AUGUSTINE FL 320866111, ST AUGUSTINE, FL 32086-6111

Mortgage

Document Number	0049900519
Date	Jul 15, 2020
Book Page	004990/000519
Instrument	57016

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 14, 2050

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: St. Johns County assessment roll, as of April 13, 2026

Property Jurisdictions

Type	Name
State	Florida
County	St. Johns County
Unified School District	St. Johns County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$144,804 (+2.7%)	$269,787 (-0.69%) Land $104,880 Building $164,907
2025	$1,727.00 (+15.6%) Homeowner's exemption	$140,997 (+5.99%)	$271,661 (+0.31%) Land $107,040 Building $164,621
2024	$1,494.00 (+2.4%)
2023	$1,459.00 (+4.14%) Homeowner's exemption	$133,032 (+3%)	$270,813 (+7.77%) Land $107,040 Building $163,773
2022	$1,401.00 Homeowner's exemption	$129,157	$251,299 Land $71,680 Building $179,619

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 15, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 69 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	69 in force
Nearby Flood Claims	18 (1992–2023)
Claims Outside the SFHA	18 of 18
Most Recent Claim	Oct 2023 · rainfall accumulation
Claims by Event	Hurricane Ian, Oct 2022 · 2 claims Hurricane Matthew, Oct 2016 · 3 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SJCU-CR214 MAINLAND WTP serves 66,953 people · EPA ID FL2554447
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 399 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20