St. Johns County property record for 3720 Waterway Ct, Saint Augustine, FL 32084
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3 ba · 2,190 sqft · built 2017 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $210,000 (May 2012) |
| Tax Bill | $9,635 (2025) |
| Deeds & Mortgages | Apr 2023 Line of Credit Jul 2017 Loan Modification |
| Flood Zone | Zone AE (high risk) |
| APN | 149190-2060 |
| Primary APN | 149190-2060 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 16 Plumbing Fixtures |
| Stories | 3 Stories |
| Building Area | 2,190 sqft Living Area |
| Gross Area | 3,020 sqft |
| 1st Floor Area | 262 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Elevator | Elevator |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Tile |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Type | Attached |
| Garage Area | 830 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 176 sqft |
| Deck Area | 288 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3720 WATERWAY CT |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32084-7745 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 22/13-16 CAMACHEE ISLAND HARBOR LOT 6 OR3566/392 |
| Legal Range | 30E |
| Legal Township | 07S |
| Legal Section | 05 |
| Legal Subdivision | CAMACHEE ISLAND HARBOR LOTS |
| Legal Block | 1 |
| Legal Lot Number | 6 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 20200 |
3720 Waterway Ct is owned and occupied by two individuals who bought it in May 2012.
Source: St. Johns County records, as of June 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3720 WATERWAY CT, SAINT AUGUSTINE, FL 32084-7745 |
| 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 |
|---|---|
| Apr 24, 2023 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Jul 28, 2017 | Loan Modification, Mortgage HANCOCK BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 25, 2012 · Amount on File |
| Deed Sale | May 25, 2012 · Amount on File |
| Deed Document Number | 201229671 |
| Deed Book / Page | 3566 / 392 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 3720 WATERWAY CT, SAINT AUGUSTINE, FL 32084-7745 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2024 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|---|
| Address | 3720 WATERWAY CT, SAINT AUGUSTINE, FL 32084-7745 |
| Document Number | 0057441644 |
|---|---|
| Date | Apr 24, 2023 |
| Book Page | 5744/1644 |
| Instrument | 2023030491 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 13, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 3720 WATERWAY CT, SAINT AUGUSTINE, FL 32084-7745 |
| Document Number | 0044190278 |
| Instrument Date | Jul 28, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3720 WATERWAY CT ST AUGUSTINE FL 320847745, ST AUGUSTINE, FL 32084-7745 |
| Document Number | 0044190278 |
|---|---|
| Date | Aug 10, 2017 |
| Book Page | 004419/000278 |
| Instrument | 55383 |
| Name | HANCOCK BK |
|---|---|
| Type | Bank |
| Address | GULFPORT, MS 39501 |
| Amount | Amount on Record |
|---|---|
| Term | 240 Months |
| Due | Aug 9, 2037 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.37% |
The 2025 property tax bill for 3720 Waterway Ct was $9,635 with a homeowner's exemption, up 10.7% 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 | $771,468 (+2.7%) | $1,024,187 (+4.63%) Land $450,000 Building $574,187 | |
| 2025 | $9,635.00 (+10.73%) Homeowner's exemption | $751,186 (+2.9%) | $978,878 (+1.49%) Land $390,000 Building $588,878 |
| 2024 | $8,701.00 (+1.93%) Homeowner's exemption | $730,016 (+3%) | $964,497 (+5.15%) Land $390,000 Building $574,497 |
| 2023 | $8,536.00 (+2.34%) Homeowner's exemption | $708,753 (+3%) | $917,297 (+9.35%) Land $336,000 Building $581,297 |
| 2022 | $8,341.00 Homeowner's exemption | $688,110 | $838,896 Land $336,000 Building $502,896 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3720 Waterway Ct in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 15, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 7.0 ft |
| Coastal | Yes |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 383 individual policies |
| Community Rating System | Class 4 (30% premium discount) |
| Nearby Flood Policies | 436 units insured incl. 53 condo units |
| Nearby Flood Claims | 234 (1984–2024) |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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 3720 Waterway Ct is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 97.6% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 | CAMACHEE COVE YACHT HARBOR WTP private · serves 312 people · EPA ID FL2554166 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Jul 2017 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 22 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL | 100 / 20 |
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