491 Back Creek Dr, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 491 Back Creek Dr, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	6 bd · 4 ba · 4,216 sqft · built 2023
Lot Size	0.51 acres (22,215 sqft)
Owner	2 Individual Names on File
Last Sale	$1,100,000 (Feb 2025)
Tax Bill	$15,792 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`029011-8180`

Property Details

APN / Parcel Number

Primary APN	`029011-8180`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Plumbing Fixtures	17 Plumbing Fixtures
Stories	1 Story
Building Area	4,216 sqft Living Area
Gross Area	5,232 sqft
1st Floor Area	2,634 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	22,215 sqft (0.51 acres)
Garage Type	Attached
Garage Area	728 sqft
Parking Spaces	3 Parking Spaces
Porch	Finished Screened Porch
Porch Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	491 BACK CREEK DR
City	SAINT AUGUSTINE
State	FL
Zip	32092-0016
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	107/24-37 WHISPER CREEK PHASE 6 LOT 818 OR6093/281
Legal Range	28
Legal Township	06
Legal Section	38
Legal Subdivision	WHISPER CREEK PHASE 6
Legal Phase	6
Legal Block	1
Legal Lot Number	818
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2005
Census Tract	20905

Owner

Source: St. Johns County assessment roll, APN 029011-8180, as of April 13, 2026 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	491 BACK CREEK DR, SAINT AUGUSTINE, FL 32092-0016
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 04, 2025 · Amount on Record
Deed Sale	Feb 04, 2025 · Amount on Record
Prior Sale	May 03, 2023 · Amount on Record
Deed Document Number	20258421
Deed Book / Page	6093 / 281
Record Updated	Jun 08, 2026

May 2023: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	May 03, 2023
Property Address	491 BACK CREEK DR, SAINT AUGUSTINE, FL 32092-0016
Document Number	0057500635
Book / Page	5750 / 635
Map Reference	MB 107 PG 24-37
Instrument Date	Apr 28, 2023
Instrument	2023033285
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 12, 2024
Title Company	SEA GLASS TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$9,895.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	200 BUSINESS PARK CIR # CIR105, CIR105, ST AUGUSTINE, FL 32095-8822

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	491 BACK CREEK DR, SAINT AUGUSTINE, FL 32092-0016

Mortgage

Document Number	0005750637
Date	May 03, 2023
Instrument	5750/637

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2053

Interest

Rate Type	Adjustable Rate
Rate	8.75%
Type Change Date	May 01, 2030
Change Frequency	6 Months
Min Rate At Change	4.5%
Max Rate At Change	13.7%
Index	Other
Max Rate	13.7%

Tax Assessment & Valuation

Source: St. Johns County assessment roll as of April 13, 2026 · Last verified April 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

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$874,279 (-0.69%) Land $210,000 Building $664,279	$874,279 (-0.69%) Land $210,000 Building $664,279
2025	$15,792.00 (-8.12%)	$880,396 (-17.19%)	$880,396 (-17.19%) Land $200,000 Building $680,396
2024	$17,188.00 (+235.51%)	$1,063,181 (+952.65%)	$1,063,181 (+952.65%) Land $130,000 Building $933,181
2023	$5,123.00 (-7.58%)	$101,000 (-24.85%)	$101,000 (-24.85%) Land $101,000
2022	$5,543.00	$134,400	$134,400 Land $134,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), as of September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090209052, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 29 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	29 in force

Wildfire

Wildfire Risk	Moderate above 46% of the US · lower than 82% of Florida
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, 235 locations within half a mile, as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Fiber	2,000 / 2,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System, water system FL2554471, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	SJCU-NORTHWEST UTILITIES WTP serves 48,040 people
Water Source	Groundwater
Last State Inspection	Jun 2024
Also Mapped Here	SJCU-CR214 MAINLAND WTP
Lead	Under 1 ppb (2025) 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.