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

St. Johns County property record for 538 Porta Rosa Cir, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,045 sqft · built 2013
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$450,000 (Oct 2024)
Tax Bill	$6,680 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Sep 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`028685-1430`

Property Details

APN / Parcel Number

Primary APN	`028685-1430`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	2,045 sqft Living Area
Gross Area	2,513 sqft
1st Floor Area	2,045 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Attached
Garage Area	468 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	252 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	538 PORTA ROSA CIR
City	SAINT AUGUSTINE
State	FL
Zip	32092-4764
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	57/94-109 MURABELLA UNIT 3 LOT 143 OR6041/1374
Legal Range	28E
Legal Township	06S
Legal Section	38
Legal Subdivision	MURABELLA UNIT 3
Legal Block	1
Legal Lot Number	143
Legal Unit	3
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1009
Census Tract	20906

Owner

538 Porta Rosa Cir is owned and occupied by two individuals who bought it in October 2024.

Source: St. Johns County records, as of October 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	538 PORTA ROSA CIR, SAINT AUGUSTINE, FL 32092-4764
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2021	Quit Claim Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Sep 29, 2017	Deed of Trust, Mortgage · Conventional with PMI OWNIUM

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 25, 2024 · Amount on File
Deed Sale	Oct 25, 2024 · Amount on File
Prior Sale	Aug 19, 2021 · Amount on File
Deed Document Number	202483592
Deed Book / Page	6041 / 1374
Prior Transfer Date	Jul 26, 2021
Prior Transfer Doc	0053470228
Record Updated	Oct 29, 2026

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST JOHNS FL
Recording Date	Aug 19, 2021
Property Address	538 PORTA ROSA CIR, SAINT AUGUSTINE, FL 32092-4764
Document Number	0053470228
Book / Page	5347 / 228
Map Reference	MB 57 PG 94-109
Instrument Date	Jul 26, 2021
Instrument	2021091578
Transaction Type	Transfer
Record Updated	May 23, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount on Record
Tax	$588.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	538 PORTA ROSA CIR, SAINT AUGUSTINE, FL 32092-4764

Mortgage

Document Number	0005347232
Date	Aug 19, 2021
Instrument	5347/232

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Aug 1, 2031

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	538 PORTA ROSA CIR, SAINT AUGUSTINE, FL 32092-4764
Document Number	0044431522
Book / Page	004443 / 001522
Instrument Date	Sep 29, 2017
Transaction Type	Mortgage
Record Updated	Oct 24, 2017
Title Company	WORLDWIDE RECORDING INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 PORTA ROSA CIR ST AUGUSTINE FL 320924764, ST AUGUSTINE, FL 32092-4764

Mortgage

Document Number	0044431522
Date	Oct 4, 2017
Book Page	004443/001522
Instrument	67460

Lender

Name	OWNIUM
Address	6444 MONROE ST # 6, SYLVANIA, OH 43560-1455

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	180 Months
Due	Oct 3, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 538 Porta Rosa Cir was $6,680, up 16.3% from the year before.

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		$277,100 (+2.7%)	$366,829 (-7.69%) Land $110,000 Building $256,829
2025	$6,680.00 (+16.25%) Homeowner's exemption	$269,815 (+18.93%)	$397,371 (+0.24%) Land $110,000 Building $287,371
2024	$5,746.00 (+4.26%) Homeowner's exemption	$226,877 (+3%)	$396,412 (+0.25%) Land $105,000 Building $291,412
2023	$5,511.00 (+3.05%) Homeowner's exemption	$220,269 (+3%)	$395,407 (+10.27%) Land $89,600 Building $305,807
2022	$5,348.00 Homeowner's exemption	$213,853	$358,594 Land $89,600 Building $268,994

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 538 Porta Rosa Cir in Zone X, an area of minimal flood risk.

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 File median of 62 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	62 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

Wildfire risk around 538 Porta Rosa Cir is moderate, ranking above 42% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect 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 System	SJCU-NORTHWEST UTILITIES WTP serves 48,040 people · EPA ID FL2554471
Water Source	Groundwater
Last State Inspection	Jun 2024
Also Mapped Here	SJCU-CR214 MAINLAND WTP
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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

Provider	Max 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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