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478 Porta Rosa Cir, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 478 Porta Rosa Cir, Saint Augustine, FL 32092

Property Summary

Property TypeSingle Family Home
Details5 bd · 4 ba · 3,674 sqft · built 2015
Lot Size0.23 acres (10,018 sqft)
Owner2 Individual Names on Record
Last Sale$343,990 (Oct 2015)
Tax Bill$8,151 (2025)
Deeds & MortgagesSep 2026 Mortgage
Oct 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN028685-1820

Property Details

APN / Parcel Number

Primary APN028685-1820

Interior

Bedrooms5 Beds
Full Baths4 Baths
Plumbing Fixtures17 Plumbing Fixtures
Stories2 Stories
Building Area3,674 sqft Living Area
Gross Area4,444 sqft
1st Floor Area1,720 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2015
Effective Year BuiltEffective 2015
Exterior MaterialStucco
Construction TypeWood
Foundation TypeConcrete
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area10,018 sqft (0.23 acres)
Garage TypeAttached
Garage Area578 sqft
Parking Spaces2 Parking Spaces
PorchFinished Screened Porch
Porch Area369 sqft
Patio Area216 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address478 PORTA ROSA CIR
CitySAINT AUGUSTINE
StateFL
Zip32092-4762
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePUD
Legal Description57/94-109 MURABELLA UNIT 3 LOT 182 OR4103/1970
Legal Range28E
Legal Township06S
Legal Section38
Legal SubdivisionMURABELLA UNIT 3
Legal Block1
Legal Lot Number182
Legal Unit3
JurisdictionST JOHNS FL
Township / Civil DivisionST. AUGUSTINE
Census Block Group1
Census Block1009
Census Tract20906

Owner

Source: St. Johns County records, as of September 11, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on Record
Mailing Address478 PORTA ROSA CIR, SAINT AUGUSTINE, FL 32092-4762
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 1, 2026Deed of Trust, Mortgage · VA Mortgage
PENNYMAC LOAN SERVICES LLC
Oct 19, 2020Deed of Trust, Mortgage · VA Mortgage
PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 28, 2015 · Amount on Record
Deed SaleOct 28, 2015 · Amount on Record
Deed Document Number201568242
Deed Book / Page4103 / 1970
Record UpdatedOct 29, 2026

September 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Recording DateSep 1, 2026
Property Address478 PORTA ROSA CIR, SAINT AUGUSTINE, FL 32092-4762
Document Number0000075253
Book / Page6430 / 988
Instrument DateAug 25, 2026
Instrument202675253
Transaction TypeMortgage
Record UpdatedSep 11, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address478 PORTA ROSA CIR, SAINT AUGUSTINE, FL 32092-4762

Mortgage

Document Number0000075253,
DateSep 1, 2026
Book Page6430/988
Instrument202675253
Lender
NamePENNYMAC LOAN SERVICES LLC
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueSep 1, 2056
Interest
Rate TypeAdjustable Rate
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address478 PORTA ROSA CIR, SAINT AUGUSTINE, FL 32092-4762
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0050741725
DateOct 19, 2020
Book Page5074/1725
Instrument2020092516
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressWESTLAKE VILLAGE, CA 91361
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueNov 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountySt. Johns County
Unified School DistrictSt. Johns County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$394,424 (+2.7%)$548,819 (-5.34%) Land $110,000 Building $438,819
2025$8,151.00 (+8.41%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$384,055 (+2.9%)$579,792 (-2.33%) Land $110,000 Building $469,792
2024$7,519.00 (+3.7%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$373,231 (+3%)$593,607 (-1.44%) Land $105,000 Building $488,607
2023$7,251.00 (+2.85%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$362,360 (+3%)$602,283 (+10.38%) Land $89,600 Building $512,683
2022$7,050.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$351,806$545,634 Land $89,600 Building $456,034

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 62 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies62 in force

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 RiskModerate
above 46% of the US · lower than 83% of Florida
Wildfire Likelihood0.07% annual chance
ExposureIndirect
within 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 SystemSJCU-NORTHWEST UTILITIES WTP
serves 48,040 people · EPA ID FL2554471
Water SourceGroundwater
Last State InspectionJun 2024
Also Mapped HereSJCU-CR214 MAINLAND WTP
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 305 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
AT&T
Fiber		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

May also be available: T-Mobile.

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