St. Johns County property record for 1645 Sugar Loaf Ln, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,800 sqft · built 2014 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Trust Names on Record |
| Last Sale | $289,000 (Oct 2017) |
| Tax Bill | $3,548 (2025) |
| Deeds & Mortgages | Jul 2018 Transfer Oct 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 029221-2090 |
| Primary APN | 029221-2090 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,800 sqft Living Area |
| Gross Area | 2,631 sqft |
| 1st Floor Area | 1,800 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,098 sqft (0.14 acres) |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 492 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1645 SUGAR LOAF LN |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-0829 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 54/15-29 CASCADES AT WORLD GOLF VILLAGE LOT 209 OR4444/309 &4578/1062(L/E) |
| Legal Range | 28E |
| Legal Township | 06S |
| Legal Section | 03 |
| Legal Subdivision | CASCADES AT WORLD GOLF VILLAGE |
| Legal Block | 3 |
| Legal Lot Number | 209 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 20908 |
Source: St. Johns County records, as of April 13, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Trust Names on Record |
|---|---|
| Mailing Address | 1645 SUGAR LOAF LN, SAINT AUGUSTINE, FL 32092-0829 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Jul 11, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Oct 5, 2017 | Warranty Deed, Transfer · VA Mortgage TIAA FSB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 5, 2017 · Amount on Record |
| Deed Sale | Oct 5, 2017 · Amount on Record |
| Prior Sale | Dec 1, 2014 · Amount on Record |
| Deed Document Number | 201767665 |
| Deed Book / Page | 4444 / 309 |
| Last Transfer Date | Jul 5, 2018 |
| Transfer Doc | 0045781062 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jul 11, 2018 |
| Property Address | 1645 SUGAR LOAF LN, SAINT AUGUSTINE, FL 32092-0829 |
| Document Number | 0045781062 |
| Book / Page | 004578 / 001062 |
| Instrument Date | Jul 5, 2018 |
| Instrument | 49329 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 1645 SUGAR LOAF LN ST AUGUSTINE FL 320920829, ST AUGUSTINE, FL 32092-0829 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Oct 5, 2017 |
| Property Address | 1645 SUGAR LOAF LN, SAINT AUGUSTINE, FL 32092-0829 |
| Document Number | 0044440309 |
| Book / Page | 004444 / 000309 |
| Instrument Date | Sep 26, 2017 |
| Instrument | 67665 |
| Transaction Type | Transfer |
| Record Updated | Oct 24, 2017 |
| Title Company | GIBRALTAR TITLE COMPANY, GIBRALTAR TITLE SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,023.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1645 SUGAR LOAF LN ST AUGUSTINE FL 320920829, ST AUGUSTINE, FL 32092-0829 |
| Document Number | 44440311 |
|---|---|
| Date | Oct 5, 2017 |
| Book Page | 004444/000311 |
| Instrument | 67666 |
| Name | TIAA FSB |
|---|---|
| Address | JACKSONVILLE, FL 32202 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 4, 2047 |
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 | $284,897 (+2.7%) | $328,290 (-6.23%) Land $80,000 Building $248,290 | |
| 2025 | $3,548.00 (+13.03%) Homeowner's exemption | $277,407 (+2.9%) | $350,088 (-0.78%) Land $86,000 Building $264,088 |
| 2024 | $3,139.00 (+2.05%) Homeowner's exemption | $269,589 (+3%) | $352,838 (+5.9%) Land $82,000 Building $270,838 |
| 2023 | $3,076.00 (+3.05%) Homeowner's exemption | $261,737 (+3%) | $333,184 (+3.39%) Land $82,000 Building $251,184 |
| 2022 | $2,985.00 Homeowner's exemption | $254,114 | $322,270 Land $78,400 Building $243,870 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record median of 175 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 175 in force |
| Nearby Flood Claims | 1 (2017) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 74% of the US · above 59% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% 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-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 |
| 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.
Source: FCC Broadband Data Collection, based on 89 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 1,000 / 1,000 |
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