428 Boracay Cir, Saint Johns, FL 32259 Property Records

St. Johns County property record for 428 Boracay Cir, Saint Johns, FL 32259

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 1,750 sqft · built 2022
Lot Size	0.08 acres (3,484 sqft)
Owner	2 Individual Names on File
Last Sale	$327,900 (Dec 2022)
Tax Bill	$6,689 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`023720-0900`

Property Details

APN / Parcel Number

Primary APN	`023720-0900`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Stories	2 Stories
Building Area	1,750 sqft Living Area
Gross Area	2,078 sqft
1st Floor Area	787 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	3,484 sqft (0.08 acres)
Garage Type	Attached
Garage Area	228 sqft
Parking Spaces	1 Parking Space
Porch	Finished Screened Porch
Porch Area	36 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	428 BORACAY CIR
City	SAINT JOHNS
State	FL
Zip	32259-9434
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	112/26-29 TWIN CREEKS NORTH PARCEL 1 PHASE TWO LOT 90 OR5675/534
Legal Subdivision	TWIN CREEKS NORTH PARCEL 1 PHASE TWO
Legal Block	1
Legal Lot Number	90
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2018
Census Tract	20904

Owner

428 Boracay Cir, a townhouse, is owned and occupied by two individuals who bought it in December 2022.

Source: St. Johns County records, as of June 17, 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	428 BORACAY CIR, SAINT JOHNS, FL 32259-9434
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 2022 · Amount on File
Deed Sale	Dec 6, 2022 · Amount on File
Deed Document Number	2022110081
Deed Book / Page	5675 / 534
Record Updated	Sep 20, 2026

December 2022: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Dec 6, 2022
Property Address	428 BORACAY CIR, SAINT JOHNS, FL 32259-9434
Document Number	0056750534
Book / Page	5675 / 534
Map Reference	MB 112 PG 26
Instrument Date	Nov 30, 2022
Instrument	2022110081
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 12, 2024
Title Company	LENNAR TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,295.30
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	428 BORACAY CIR, ST JOHNS, FL 32259-9434

Mortgage

Document Number	0005675538
Date	Dec 6, 2022
Instrument	5675/538

Lender

Name	LENNAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2052

Tax Assessment & Valuation

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		$258,367 (-12.28%) Land $65,000 Building $193,367	$258,367 (-12.28%) Land $65,000 Building $193,367
2025	$6,689.00 (+5.07%)	$294,537 (-0.8%)	$294,537 (-0.8%) Land $65,000 Building $229,537
2024	$6,366.00 (+15.77%)	$296,925 (+8.59%)	$296,925 (+8.59%) Land $75,000 Building $221,925
2023	$5,499.00 Homeowner's exemption	$273,442	$273,442 Land $70,000 Building $203,442

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

Flood

FEMA maps place 428 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 428 Boracay Cir is moderate, ranking above 54% 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 54% of the US · lower than 74% 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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