435 Boracay Cir, Saint Johns, FL 32259 Property Records

St. Johns County property record for 435 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	Individual Name on File
Last Sale	$353,000 (Jan 2023)
Tax Bill	$6,704 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`023720-1910`

Property Details

APN / Parcel Number

Primary APN	`023720-1910`

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	65 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	435 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 CREEK NORTH PARCEL 1 PHASE TWO LOT 191 OR5694/1046
Legal Subdivision	TWIN CREEKS NORTH PARCEL 1 PHASE TWO
Legal Block	1
Legal Lot Number	191
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2018
Census Tract	20904

Owner

435 Boracay Cir, a townhouse, is owned by an individual who bought it in January 2023.

Source: St. Johns County records, as of June 17, 2026

Owner of Record	Individual Name on File
Mailing Address	881 THRONE DR, EUGENE, OR 97402-1411
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 13, 2023 · Amount on File
Deed Sale	Jan 13, 2023 · Amount on File
Deed Document Number	20233361
Deed Book / Page	5694 / 1046
Record Updated	Sep 20, 2026

January 2023: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jan 13, 2023
Property Address	435 BORACAY CIR, SAINT JOHNS, FL 32259-9434
Document Number	0056941046
Book / Page	5694 / 1046
Map Reference	MB 112 PG 26
Instrument Date	Jan 12, 2023
Instrument	2023003361
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	$2,471.00
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	435 BORACAY CIR, ST JOHNS, FL 32259-9434

Mortgage

Document Number	0056941050
Date	Jan 13, 2023
Instrument	5694/1050

Lender

Name	WASHINGTON TRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Feb 1, 2033
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	10.2%
Index	1-Year T-Bill
Max Rate	10.2%

Tax Assessment & Valuation

The 2025 property tax bill for 435 Boracay Cir was $6,704, up 13.9% 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		$259,275 (-12.29%) Land $65,000 Building $194,275	$259,275 (-12.29%) Land $65,000 Building $194,275
2025	$6,704.00 (+13.94%)	$295,618 (-0.79%)	$295,618 (-0.79%) Land $65,000 Building $230,618
2024	$5,884.00 (-2.11%) Homeowner's exemption	$297,971 (+8.59%)	$297,971 (+8.59%) Land $75,000 Building $222,971
2023	$6,011.00	$274,401	$274,401 Land $70,000 Building $204,401

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

Flood

FEMA maps place 435 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 435 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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