682 Montiano Cir, Saint Augustine, FL 32084 Property Records

St. Johns County property record for 682 Montiano Cir, Saint Augustine, FL 32084

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,667 sqft · built 2016
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$319,000 (Feb 2016)
Tax Bill	$4,055 (2025)
Deeds & Mortgages	Feb 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`086251-0200`

Property Details

APN / Parcel Number

Primary APN	`086251-0200`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	14 Plumbing Fixtures
Stories	1 Story
Building Area	2,667 sqft Living Area
Gross Area	3,811 sqft
1st Floor Area	2,211 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Attached
Garage Area	728 sqft
Parking Spaces	3 Parking Spaces
Porch	Finished Screened Porch
Porch Area	416 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	682 MONTIANO CIR
City	SAINT AUGUSTINE
State	FL
Zip	32084-6587
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	75/39-42 COQUINA RIDGE PHASE 2 LOT 20 OR4159/643 & 6302/757(L/E)
Legal Range	29E
Legal Township	07S
Legal Section	03
Legal Subdivision	COQUINA RIDGE PHASE 2
Legal Phase	2
Legal Block	1
Legal Lot Number	20
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1021
Census Tract	20904

Owner

682 Montiano Cir is owned and occupied by two individuals who bought it in February 2016.

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	682 MONTIANO CIR, SAINT AUGUSTINE, FL 32084-6587
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 1, 2016 · Amount on File
Deed Sale	Feb 1, 2016 · Amount on File
Deed Book / Page	4159 / 643
Record Updated	Jun 8, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	682 MONTIANO CIR, SAINT AUGUSTINE, FL 32084-6587
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0043291636
Date	Feb 10, 2017
Book Page	4329/1636
Instrument	2017010115

Lender

Name	HARBOR COMMUNITY BANK
Type	Bank
Address	SAINT AUGUSTINE, FL 32084

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Feb 1, 2042

Tax Assessment & Valuation

The 2025 property tax bill for 682 Montiano Cir was $4,055 with a homeowner's exemption, up 12.6% 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		$322,450 (+2.7%)	$495,815 (+2.03%) Land $115,000 Building $380,815
2025	$4,055.00 (+12.64%) Homeowner's exemption	$313,973 (+2.9%)	$485,930 (-5.54%) Land $100,000 Building $385,930
2024	$3,600.00 (+2.01%) Homeowner's exemption	$305,124 (+3%)	$514,442 (-5.49%) Land $110,000 Building $404,442
2023	$3,529.00 (+2.95%) Homeowner's exemption	$296,237 (+3%)	$544,339 (+22.03%) Land $120,000 Building $424,339
2022	$3,428.00 Homeowner's exemption	$287,609	$446,063 Land $95,200 Building $350,863

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

Flood

FEMA maps place 682 Montiano Cir in Zone X, an area of minimal flood risk, within 100 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 A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 97 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	97 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 682 Montiano Cir is moderate, ranking above 45% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.07% 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	ST. AUGUSTINE WS serves 43,069 people · EPA ID FL2550210
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	5 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 124 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber · Cable in parts of the area	1,200 / 35
AT&T Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20