487 Boracay Cir, Saint Johns, FL 32259 Property Records

St. Johns County property record for 487 Boracay Cir, Saint Johns, FL 32259

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 1,631 sqft · built 2022
Lot Size	0.06 acres (2,613 sqft)
Owner	2 Company Names on Record
Last Sale	$321,000 (Mar 2025)
Tax Bill	$6,019 (2025)
Deeds & Mortgages	May 2023 Second Mortgage Jan 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`023720-2020`

Property Details

APN / Parcel Number

Primary APN	`023720-2020`

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

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	233 sqft
Parking Spaces	1 Parking Space
Porch	Finished Screened Porch
Porch Area	89 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	487 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 202 OR6111/410
Legal Subdivision	TWIN CREEKS NORTH PARCEL 1 PHASE TWO
Legal Block	1
Legal Lot Number	202
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2018
Census Tract	20904

Owner

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 Company Names on Record
Mailing Address	145 THE CRES, BABYLON, NY 11702-4412
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
May 31, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VYSTAR CU
Jan 25, 2023	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 10, 2025 · Amount on Record
Deed Sale	Mar 10, 2025 · Amount on Record
Prior Sale	Jan 25, 2023 · Amount on Record
Deed Document Number	202518510
Deed Book / Page	6111 / 410
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	487 BORACAY CIR, SAINT JOHNS, FL 32259-9434
Transaction Type	Mortgage
Record Updated	Feb 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	487 BORACAY CIR, SAINT JOHNS, FL 32259-9434

Mortgage

Document Number	0057660458
Date	May 31, 2023
Book Page	5766/458
Instrument	2023041555

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

January 2023: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jan 25, 2023
Property Address	487 BORACAY CIR, SAINT JOHNS, FL 32259-9434
Document Number	0056990490
Book / Page	5699 / 490
Map Reference	MB 112 PG 26
Instrument Date	Jan 24, 2023
Instrument	2023006192
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 12, 2024
Title Company	US PATRIOT TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,387.00
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	487 BORACAY CIR, ST JOHNS, FL 32259-9434

Mortgage

Document Number	0005699494
Date	Jan 25, 2023
Instrument	5699/494

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

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

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		$250,576 (-11.63%) Land $65,000 Building $185,576	$250,576 (-11.63%) Land $65,000 Building $185,576
2025	$6,019.00 (+4.9%) Homeowner's exemption	$283,550 (-0.97%)	$283,550 (-0.97%) Land $65,000 Building $218,550
2024	$5,738.00 (-2.33%) Homeowner's exemption	$286,319 (+8.58%)	$286,319 (+8.58%) Land $75,000 Building $211,319
2023	$5,875.00	$263,705	$263,705 Land $70,000 Building $193,705

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

Flood

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 Record 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

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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