54 Derecho Ln, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 54 Derecho Ln, Saint Augustine, FL 32095 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,656 sqft · built 2018
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on File
Last Sale	$381,500 (Jul 2018)
Tax Bill	$7,803 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Aug 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`072151-0320`

Property Details

APN / Parcel Number

Primary APN	`072151-0320`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	14 Plumbing Fixtures
Stories	1 Story
Building Area	2,656 sqft Living Area
Gross Area	3,535 sqft
1st Floor Area	2,656 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Garage Area	649 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	278 sqft
Patio Area	275 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	54 DERECHO LN
City	SAINT AUGUSTINE
State	FL
Zip	32095-7434
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	62/77-102 PALENCIA NORTH PHASE 1 LOT 32 OR4576/1647
Legal Range	29E
Legal Township	05S
Legal Section	28
Legal Subdivision	PALENCIA NORTH PHASE 1
Legal Phase	1
Legal Block	3
Legal Lot Number	32
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	3
Census Block	3001
Census Tract	20606

Owner

Source: St. Johns County records · APN 072151-0320

Assessment roll updated 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	Individual Name on File
Mailing Address	54 DERECHO LN, SAINT AUGUSTINE, FL 32095-7434
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Aug 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Sep 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Jul 09, 2018	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 09, 2018 · Amount on Record
Deed Sale	Jul 09, 2018 · Amount on Record
Deed Document Number	201848480
Deed Book / Page	4576 / 1647
Record Updated	Jun 08, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	54 DERECHO LN, SAINT AUGUSTINE, FL 32095-7434
Transaction Type	Mortgage
Record Updated	Oct 23, 2025
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 DERECHO LN, SAINT AUGUSTINE, FL 32095-7434

Mortgage

Document Number	0053450001
Date	Aug 17, 2021
Book Page	5345/1
Instrument	2021090622

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	340 Months
Due	Dec 01, 2049

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	54 DERECHO LN, SAINT AUGUSTINE, FL 32095-7434
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0050191156
Date	Aug 18, 2020
Book Page	5019/1156
Instrument	2020069230

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Nov 01, 2049

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	54 DERECHO LN, SAINT AUGUSTINE, FL 32095-7434
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0048000323
Date	Sep 23, 2019
Book Page	4800/0323
Instrument	2019070568

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2049

July 2018: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jul 09, 2018
Property Address	54 DERECHO LN, SAINT AUGUSTINE, FL 32095-7434
Document Number	0045761647
Book / Page	4576 / 1647
Map Reference	MB62 PG77
Instrument Date	Jul 03, 2018
Instrument	2018048480
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 31, 2021
Title Company	NORTH AMERICAN TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9440 PHILIPS HWY STE 7, 9440, JACKSONVILLE, FL 32256-1339

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 DERECHO LN, SAINT AUGUSTINE, FL 32095-7434

Mortgage

Document Number	2018048481
Date	Jul 09, 2018
Instrument	2018048481

Lender

Name	EAGLE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2048

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated 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 and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$397,387 (+2.7%)	$550,275 (-1.25%) Land $140,000 Building $410,275
2025	$7,803.00 (+10.04%) Homeowner's exemption	$386,940 (+2.9%)	$557,219 (+2.31%) Land $150,000 Building $407,219
2024	$7,091.00 (+5.46%) Homeowner's exemption	$376,035 (+3%)	$544,637 (-7.17%) Land $145,000 Building $399,637
2023	$6,724.00 (+4.51%) Homeowner's exemption	$365,083 (+7.02%)	$586,733 (+18.59%) Land $145,000 Building $441,733
2022	$6,434.00 Homeowner's exemption	$341,143	$494,761 Land $100,800 Building $393,961

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090206063, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Cost	Premium on Record median of 221 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	221 in force

Wildfire

Wildfire Risk	Moderate above 53% of the US · above 24% of Florida
Wildfire Likelihood	About 1 in 893 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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, availability as of December 31, 2025 · Published October 2026 · based on 97 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: AT&T, Xfinity. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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