184 Boracay Cir, Saint Johns, FL 32259 Property Records

St. Johns County property record for 184 Boracay Cir, Saint Johns, FL 32259

Property Summary

Property Type	Townhouse
Details	2 bd · 2.5 ba · 1,611 sqft · built 2022
Lot Size	0.06 acres (2,613 sqft)
Owner	Trust Name on File
Last Sale	$339,000 (Jun 2023)
Tax Bill	$6,497 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Jun 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`023720-0370`

Property Details

APN / Parcel Number

Primary APN	`023720-0370`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	1,611 sqft Living Area
Gross Area	1,978 sqft
1st Floor Area	703 sqft
Flooring	Carpet

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	2,613 sqft (0.06 acres)
Garage Type	Attached
Garage Area	268 sqft
Parking Spaces	1 Parking Space
Porch	Finished Screened Porch
Porch Area	32 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	184 BORACAY CIR
City	SAINT JOHNS
State	FL
Zip	32259-9432
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	102/1-6 TWIN CREEKS NORTH PARCEL 1 PHASE 1 LOT 37 OR5775/1276
Legal Range	28E
Legal Township	05S
Legal Section	09
Legal Subdivision	TWIN CREEKS NORTH PARCEL 1 PHASE 1
Legal Phase	1
Legal Block	1
Legal Lot Number	37
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2018
Census Tract	20904

Owner

184 Boracay Cir, a townhouse, is owner-occupied and held in a trust since June 2023.

Source: St. Johns County records, as of July 16, 2026

Owner of Record	Trust Name on File
Mailing Address	184 BORACAY CIR, SAINT JOHNS, FL 32259-9432
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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
Jul 6, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jun 15, 2023	Warranty Deed, Transfer · Conventional Mortgage NATIONS DIRECT MORTGAGE LLC
Jan 27, 2022	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage LENNAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 15, 2023 · Amount on File
Deed Sale	Jun 15, 2023 · Amount on File
Prior Sale	Jan 27, 2022 · Amount on File
Deed Document Number	202346409
Deed Book / Page	5775 / 1276
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Recording Date	Jul 6, 2026
Property Address	184 BORACAY CIR, SAINT JOHNS, FL 32259-9432
Document Number	0000057266
Book / Page	6395 / 1651
Instrument Date	Jun 26, 2026
Instrument	202657266
Transaction Type	Mortgage
Record Updated	Aug 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust, 222
Address	184 BORACAY CIR, SAINT JOHNS, FL 32259-9432

Mortgage

Document Number	0000057266,
Date	Jul 6, 2026
Book Page	6395/1651
Instrument	202657266

Lender

Name	CITIZENS BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Jun 30, 2051

Interest

Rate	6.53%
Max Rate	-1%

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jun 15, 2023
Property Address	184 BORACAY CIR, SAINT JOHNS, FL 32259-9432
Document Number	0057751276
Book / Page	5775 / 1276
Map Reference	MB 102 PG 1-6
Instrument Date	May 31, 2023
Instrument	2023046409
Transaction Type	Transfer
Record Updated	Jun 28, 2023
Title Company	LANDMARK TITLE, LANDMARK TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,373.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	311 RUM RUNNER WAY, SAINT JOHNS, FL 32259-2271

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	184 BORACAY CIR, SAINT JOHNS, FL 32259-9432

Mortgage

Document Number	0057751278
Date	Jun 15, 2023
Instrument	5775/1278

Lender

Name	NATIONS DIRECT MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2053

January 2022: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jan 27, 2022
Property Address	184 BORACAY CIR, SAINT JOHNS, FL 32259-9432
Document Number	0054790274
Book / Page	5479 / 274
Map Reference	MB 102 PG 1
Instrument Date	Jan 25, 2022
Instrument	2022009650
Transaction Type	Subdivision Related Transfer
Record Updated	May 23, 2023
Title Company	LENNAR TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,107.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9440 PHILIPS HWY STE 7, 7, JACKSONVILLE, FL 32256-1339

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	184 BORACAY CIR, ST JOHNS, FL 32259-9432

Mortgage

Document Number	0005479278
Date	Jan 27, 2022
Instrument	5479/278

Lender

Name	LENNAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 184 Boracay Cir was $6,497, up 4.9% 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		$248,211 (-11.45%) Land $65,000 Building $183,211	$248,211 (-11.45%) Land $65,000 Building $183,211
2025	$6,497.00 (+4.91%)	$280,291 (-0.99%)	$280,291 (-0.99%) Land $65,000 Building $215,291
2024	$6,193.00 (+50.98%)	$283,105 (+73.3%)	$283,105 (+8.57%) Land $75,000 Building $208,105
2023	$4,102.00 (+36.6%) Homeowner's exemption	$163,365 (+165.2%)	$260,758 (+323.31%) Land $70,000 Building $190,758
2022	$3,003.00	$61,600	$61,600 Land $61,600

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 184 Boracay 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 206 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	206 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 184 Boracay Cir is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 57% of the US · lower than 70% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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	JEA MAJOR GRID serves 826,664 people · EPA ID FL2161328
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	2 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	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 326 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Verizon Fixed Wireless	300 / 20

May also be available: Xfinity.

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