St. Johns County property record for 1649 Sugar Loaf Ln, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 2,360 sqft · built 2014 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $335,000 (Jun 2018) |
| Tax Bill | $4,061 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage Jun 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 029221-2100 |
| Primary APN | 029221-2100 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,360 sqft Living Area |
| Gross Area | 2,873 sqft |
| 1st Floor Area | 2,360 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,534 sqft (0.15 acres) |
| Garage Type | Attached |
| Garage Area | 513 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 186 sqft |
| Patio Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1649 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 210 OR4571/599 |
| Legal Range | 28E |
| Legal Township | 06S |
| Legal Section | 03 |
| Legal Subdivision | CASCADES AT WORLD GOLF VILLAGE |
| Legal Block | 3 |
| Legal Lot Number | 210 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 20908 |
1649 Sugar Loaf Ln is owned and occupied by two individuals who bought it in June 2018.
Source: St. Johns County records, as of April 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1649 SUGAR LOAF LN, SAINT AUGUSTINE, FL 32092-0829 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 1, 2020 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Jun 28, 2018 | Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 28, 2018 · Amount on File |
| Deed Sale | Jun 28, 2018 · Amount on File |
| Prior Sale | May 6, 2014 · Amount on File |
| Deed Document Number | 201845916 |
| Deed Book / Page | 4571 / 599 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 1649 SUGAR LOAF LN, SAINT AUGUSTINE, FL 32092-0829 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1649 SUGAR LOAF LN, ST AUGUSTINE, FL 32092-0829 |
| Document Number | 0050310448 |
|---|---|
| Date | Sep 1, 2020 |
| Book Page | 5031/448 |
| Instrument | 2020073832 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jun 28, 2018 |
| Property Address | 1649 SUGAR LOAF LN, SAINT AUGUSTINE, FL 32092-0829 |
| Document Number | 0045710599 |
| Book / Page | 004571 / 000599 |
| Instrument Date | Jun 18, 2018 |
| Instrument | 45916 |
| Transaction Type | Transfer |
| Record Updated | Jul 18, 2018 |
| Title Company | WATSON TITLE SERVICES/N FL INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,345.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1649 SUGAR LOAF LN ST AUGUSTINE FL 320920829, ST AUGUSTINE, FL 32092-0829 |
| Document Number | 45710601 |
|---|---|
| Date | Jun 28, 2018 |
| Book Page | 004571/000601 |
| Instrument | 45917 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 27, 2048 |
The 2025 property tax bill for 1649 Sugar Loaf Ln was $4,061 with a homeowner's exemption, up 12.7% 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 | $323,998 (+2.7%) | $364,969 (-7.85%) Land $80,000 Building $284,969 | |
| 2025 | $4,061.00 (+12.71%) Homeowner's exemption | $315,480 (+2.9%) | $396,039 (-0.96%) Land $86,000 Building $310,039 |
| 2024 | $3,603.00 (+2.01%) Homeowner's exemption | $306,589 (+3%) | $399,892 (+6.12%) Land $82,000 Building $317,892 |
| 2023 | $3,532.00 (+2.94%) Homeowner's exemption | $297,659 (+3%) | $376,823 (+3.35%) Land $82,000 Building $294,823 |
| 2022 | $3,431.00 Homeowner's exemption | $288,989 | $364,626 Land $78,400 Building $286,226 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1649 Sugar Loaf Ln 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 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.
Wildfire risk around 1649 Sugar Loaf Ln is high, ranking above 74% of the US, with a 0.2% annual chance of wildfire.
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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