St. Johns County property record for 460 Gallardo Cir, Saint Augustine, FL 32086
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,201 sqft · built 2007 |
| Lot Size | 0.39 acres (16,988 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $785,000 (Mar 2022) |
| Tax Bill | $8,950 (2025) |
| Deeds & Mortgages | Mar 2022 Sale & Mortgage Dec 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 284197-0160 |
| Primary APN | 284197-0160 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 3,201 sqft Living Area |
| Gross Area | 4,379 sqft |
| 1st Floor Area | 3,201 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Concrete |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 16,988 sqft (0.39 acres) |
| Garage Type | Attached |
| Garage Area | 654 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 450 sqft |
|---|---|
| Porch | Finished Screened Porch |
| Porch Area | 572 sqft |
| Deck Area | Deck Area |
| Patio Area | 688 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 460 GALLARDO CIR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32086-7742 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 61/36-40 ESTATES OF TUSCANY PHASE 2A BLK 197 LOT 16 OR5506/440 |
| Legal Range | 30E |
| Legal Township | 08S |
| Legal Section | 41 |
| Legal Subdivision | ESTATES OF TUSCANY PHASE 2A |
| Legal Phase | 2A |
| Legal Block | 197 |
| Legal Lot Number | 16 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | MATANZAS |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 21210 |
Source: St. Johns County records · APN 284197-0160
Assessment roll updated April 13, 2026 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 460 GALLARDO CIR, SAINT AUGUSTINE, FL 32086-7742 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 02, 2022 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Dec 05, 2017 | Warranty Deed, Transfer · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 02, 2022 · Amount on Record |
| Deed Sale | Mar 02, 2022 · Amount on Record |
| Prior Sale | Dec 05, 2017 · Amount on Record |
| Deed Document Number | 202223046 |
| Deed Book / Page | 5506 / 440 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Mar 02, 2022 |
| Property Address | 460 GALLARDO CIR, SAINT AUGUSTINE, FL 32086-7742 |
| Document Number | 0055060440 |
| Book / Page | 5506 / 440 |
| Map Reference | MB 61 PG 36-40 |
| Instrument Date | Mar 01, 2022 |
| Instrument | 2022023046 |
| Transaction Type | Transfer |
| Record Updated | May 23, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,495.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 460 GALLARDO CIR, ST AUGUSTINE, FL 32086-7742 |
| Document Number | 0005506443 |
|---|---|
| Date | Mar 02, 2022 |
| Instrument | 5506/443 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Dec 05, 2017 |
| Property Address | 460 GALLARDO CIR, SAINT AUGUSTINE, FL 32086-7742 |
| Document Number | 0044711238 |
| Book / Page | 004471 / 001238 |
| Instrument Date | Dec 01, 2017 |
| Instrument | 81987 |
| Transaction Type | Transfer |
| Record Updated | Jan 03, 2018 |
| Title Company | ACTION TITLE SERVICES/STATE JOHNS COUNTY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,780.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 460 GALLARDO CIR ST AUGUSTINE FL 320867742, ST AUGUSTINE, FL 32086-7742 |
| Document Number | 44711240 |
|---|---|
| Date | Dec 05, 2017 |
| Book Page | 004471/001240 |
| Instrument | 81988 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 04, 2047 |
Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $626,987 (-7.59%) Land $120,000 Building $506,987 | $626,987 (-9.3%) Land $120,000 Building $506,987 | |
| 2025 | $8,950.00 (+11.48%) Homeowner's exemption | $678,468 (+2.9%) | $691,243 (+4.84%) Land $120,000 Building $571,243 |
| 2024 | $8,028.00 (-1.02%) Homeowner's exemption | $659,347 (+6.51%) | $659,347 (+6.51%) Land $120,000 Building $539,347 |
| 2023 | $8,111.00 (+44.38%) | $619,052 (+34.61%) | $619,052 (+2.59%) Land $120,000 Building $499,052 |
| 2022 | $5,618.00 Homeowner's exemption | $459,897 | $603,443 Land $90,720 Building $512,723 |
Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), as of September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090212103, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 61 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 61 in force |
| Wildfire Risk | Moderate above 53% of the US · lower than 75% of Florida |
|---|---|
| Wildfire Likelihood | 0.09% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
Based on FCC filings for 114 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system FL2554447, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SJCU-CR214 MAINLAND WTP serves 66,953 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2025 |
| Lead | Under 1 ppb (2024) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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