48 Boracay Cir, Saint Johns, FL 32259 Property Records

St. Johns County property record for 48 Boracay Cir, Saint Johns, FL 32259

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 1,631 sqft · built 2021
Lot Size	0.07 acres (3,049 sqft)
Owner	2 Individual Names on File
Last Sale	$335,000 (Aug 2025)
Tax Bill	$5,989 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Sep 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`023720-0090`

Property Details

APN / Parcel Number

Primary APN	`023720-0090`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Stories	2 Stories
Building Area	1,631 sqft Living Area
Gross Area	1,955 sqft
1st Floor Area	695 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	3,049 sqft (0.07 acres)
Garage Type	Attached
Garage Area	233 sqft
Parking Spaces	1 Parking Space
Porch	Finished Screened Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	48 BORACAY CIR
City	SAINT JOHNS
State	FL
Zip	32259-9431
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	102/1-6 TWIN CREEKS NORTH PARCEL 1 PHASE 1 LOT 9 OR6195/1220
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	9
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2018
Census Tract	20904

Owner

48 Boracay Cir, a townhouse, is owned and occupied by two individuals who bought it in August 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	48 BORACAY CIR, SAINT JOHNS, FL 32259-9431
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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 7, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 13, 2023	Warranty Deed, Transfer · VA Mortgage UMORTGAGE LLC
Jan 28, 2021	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage LENNAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2025 · Amount on File
Deed Sale	Aug 1, 2025 · Amount on File
Prior Sale	Sep 13, 2023 · Amount on File
Deed Document Number	202562053
Deed Book / Page	6195 / 1220
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Recording Date	Jul 7, 2026
Property Address	48 BORACAY CIR, SAINT JOHNS, FL 32259-9431
Document Number	0000057428
Book / Page	6396 / 344
Instrument Date	Jun 29, 2026
Instrument	202657428
Transaction Type	Mortgage
Record Updated	Jul 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 BORACAY CIR, SAINT JOHNS, FL 32259-9431

Mortgage

Document Number	0000057428,
Date	Jul 7, 2026
Book Page	6396/344
Instrument	202657428

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jul 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.53%
Initial Type	Fixed Rate
Max Rate	-1%

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Sep 13, 2023
Property Address	48 BORACAY CIR, SAINT JOHNS, FL 32259-9431
Document Number	0058241212
Book / Page	5824 / 1212
Map Reference	MB 102 PG 1-6
Instrument Date	Sep 8, 2023
Instrument	2023072504
Transaction Type	Transfer
Record Updated	Sep 28, 2023
Title Company	PONTE VEDRA TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,527.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	62 DEERFIELD MEADOWS CIRCLE, SAINT JOHNS, FL 32259

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 BORACAY CIR, SAINT JOHNS, FL 32259-9431

Mortgage

Document Number	0058241214
Date	Sep 13, 2023
Instrument	5824/1214

Lender

Name	UMORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

January 2021: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jan 28, 2021
Property Address	48 BORACAY CIR, SAINT JOHNS, FL 32259-9431
Document Number	0051631701
Book / Page	5163 / 1701
Map Reference	MB 102 PG 1
Instrument Date	Jan 27, 2021
Instrument	2021009784
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 7, 2023
Title Company	LENNAR TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,783.60
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	48 BORACAY CIR, SAINT JOHNS, FL 32259-9431

Mortgage

Document Number	0051631705
Date	Jan 28, 2021
Instrument	5163/1705

Lender

Name	LENNAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 48 Boracay Cir was $5,989, 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		$248,662 (-11.61%) Land $65,000 Building $183,662	$248,662 (-11.61%) Land $65,000 Building $183,662
2025	$5,989.00 (+4.87%) Homeowner's exemption	$281,320	$281,320 Land $65,000 Building $216,320
2024	$5,711.00 (+6.25%)
2023	$5,375.00 (+4.8%) Homeowner's exemption	$263,705 (+0.18%)	$263,705 (+0.18%) Land $70,000 Building $193,705
2022	$5,129.00 Homeowner's exemption	$263,223	$263,223 Land $61,600 Building $201,623

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

Flood

FEMA maps place 48 Boracay Cir in Zone X, an area of minimal flood risk, within 500 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 500 ft
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 48 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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