St. Johns County property record for 654 Gilda Dr, Saint Augustine, FL 32086
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,720 sqft · built 1985 |
| Lot Size | 0.23 acres (10,018 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $235,000 (Mar 2021) |
| Tax Bill | $3,404 (2025) |
| Deeds & Mortgages | Mar 2021 Sale & Mortgage Sep 2020 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 284169-0380 |
| Primary APN | 284169-0380 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,720 sqft Living Area |
| Gross Area | 2,447 sqft |
| 1st Floor Area | 1,720 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,018 sqft (0.23 acres) |
| Lot Dimensions | 110 ft deep x 90 ft wide |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Glass Porch |
| Porch Area | 28 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 654 GILDA DR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32086-7715 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 14/40-46 ST AUG SHORES UNIT 6 LOT 38 BLK 169 OR5198/812 |
| Legal Range | 30E |
| Legal Township | 08S |
| Legal Section | 40 |
| Legal Subdivision | ST. AUGUSTINE SHORES UNIT 6 |
| Legal Block | 169 |
| Legal Lot Number | 38 |
| Legal Unit | 6 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | MATANZAS |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 21210 |
654 Gilda Dr is owned and occupied by two individuals who bought it in March 2021.
Source: St. Johns County records, as of April 13, 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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 654 GILDA DR, SAINT AUGUSTINE, FL 32086-7715 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 5, 2021 | Warranty Deed, Transfer · Conventional Mortgage LENDSURE MORTGAGE CORP |
| Sep 14, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 5, 2021 · Amount on File |
| Deed Sale | Mar 5, 2021 · Amount on File |
| Deed Document Number | 202124686 |
| Deed Book / Page | 5198 / 812 |
| Prior Transfer Date | Sep 2, 2020 |
| Prior Transfer Doc | 0050410768 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Mar 5, 2021 |
| Property Address | 654 GILDA DR, SAINT AUGUSTINE, FL 32086-7715 |
| Document Number | 0051980812 |
| Book / Page | 5198 / 812 |
| Map Reference | MB 14 PG 40-46 |
| Instrument Date | Feb 23, 2021 |
| Instrument | 2021024686 |
| Transaction Type | Transfer |
| Record Updated | Feb 12, 2024 |
| Title Company | LANDMARK TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,645.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 33632 KLEIN RD, FRASER, MI 48026-3016 |
| Name | Verified Name |
|---|---|
| Address | 654 GILDA DR, ST AUGUSTINE, FL 32086-7715 |
| Document Number | 0005198818 |
|---|---|
| Date | Mar 5, 2021 |
| Instrument | 5198/818 |
| Name | LENDSURE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Sep 14, 2020 |
| Property Address | 654 GILDA DR, SAINT AUGUSTINE, FL 32086-7715 |
| Document Number | 0050410768 |
| Book / Page | 005041 / 000768 |
| Instrument Date | Sep 2, 2020 |
| Instrument | 78103 |
| Transaction Type | Transfer |
| Record Updated | Oct 8, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 654 GILDA DR ST AUGUSTINE FL 320867715, ST AUGUSTINE, FL 32086-7715 |
The 2025 property tax bill for 654 Gilda Dr was $3,404 with a homeowner's exemption, up 13.1% from the year before.
Source: St. Johns County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $262,488 (-1.59%) Land $101,916 Building $160,572 | $262,488 (-2.8%) Land $101,916 Building $160,572 | |
| 2025 | $3,404.00 (+13.13%) Homeowner's exemption | $266,731 (+2.9%) | $270,060 (-0.47%) Land $96,188 Building $173,872 |
| 2024 | $3,009.00 (+2.03%) Homeowner's exemption | $259,214 (+3%) | $271,336 (+2.67%) Land $96,188 Building $175,148 |
| 2023 | $2,949.00 (+3.11%) Homeowner's exemption | $251,664 (+3%) | $264,268 (+8.16%) Land $96,188 Building $168,080 |
| 2022 | $2,860.00 Homeowner's exemption | $244,334 | $244,334 Land $62,244 Building $182,090 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 654 Gilda Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 61 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 61 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 risk around 654 Gilda Dr is low, with a 0.02% annual chance of 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 | 0.02% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 310 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 |
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