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

St. Johns County property record for 584 Back Creek Dr, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,721 sqft · built 2023
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on Record
Last Sale	$882,125 (Apr 2023)
Tax Bill	$12,779 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Sep 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`029011-8770`

Property Details

APN / Parcel Number

Primary APN	`029011-8770`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	19 Plumbing Fixtures
Stories	1 Story
Building Area	3,721 sqft Living Area
Gross Area	4,509 sqft
1st Floor Area	2,423 sqft
Flooring	Carpet

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Garage Area	788 sqft
Parking Spaces	3 Parking Spaces
Porch	Finished/Open Porch
Porch Area	255 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	584 BACK CREEK DR
City	SAINT AUGUSTINE
State	FL
Zip	32092-0111
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	107/24-37 WHISPER CREEK PHASE 6 LOT 877 OR5733/538
Legal Range	28
Legal Township	06
Legal Section	38
Legal Subdivision	WHISPER CREEK PHASE 6
Legal Phase	6
Legal Block	1
Legal Lot Number	877
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2005
Census Tract	20905

Owner

Source: St. Johns County records, as of April 24, 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	Individual Name on Record
Mailing Address	584 BACK CREEK DR, SAINT AUGUSTINE, FL 32092-0111
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 26, 2025	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 18, 2022	Special Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 3, 2023 · Amount on Record
Deed Sale	Apr 3, 2023 · Amount on Record
Deed Document Number	202324397
Deed Book / Page	5733 / 538
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Recording Date	Apr 15, 2026
Property Address	584 BACK CREEK DR, SAINT AUGUSTINE, FL 32092-0111
Document Number	0000031961
Book / Page	6344 / 700
Instrument Date	Apr 9, 2026
Instrument	202631961
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	584 BACK CREEK DR, SAINT AUGUSTINE, FL 32092-0111

Mortgage

Document Number	0000031961,
Date	Apr 15, 2026
Book Page	6344/700
Instrument	202631961

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	584 BACK CREEK DR, SAINT AUGUSTINE, FL 32092-0111
Transaction Type	Mortgage
Record Updated	Oct 16, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	584 BACK CREEK DR, SAINT AUGUSTINE, FL 32092-0111

Mortgage

Document Number	0062271071
Date	Sep 26, 2025
Book Page	6227/1071
Instrument	2025078596

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2040

February 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Feb 18, 2022
Property Address	584 BACK CREEK DR, SAINT AUGUSTINE, FL 32092-0111
Document Number	0054961282
Book / Page	5496 / 1282
Map Reference	MB 107 PG 24-37
Instrument Date	Feb 18, 2022
Instrument	2022018308
Transaction Type	Transfer
Record Updated	Feb 12, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$3,472.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7807 BAYMEADOWS RD E # E205, E205, JACKSONVILLE, FL 32256-9664

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9452 PHILIPS HWY STE 4, 4, JACKSONVILLE, FL 32256-1332
Investor	Possibly a Property Investor

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		$679,717 (-2.27%) Land $160,000 Building $519,717	$679,717 (-2.27%) Land $160,000 Building $519,717
2025	$12,779.00 (+5.41%) Homeowner's exemption	$695,480 (-0.48%)	$695,480 (-0.48%) Land $155,000 Building $540,480
2024	$12,123.00 (+136.64%) Homeowner's exemption	$698,827 (+591.91%)	$698,827 (+591.91%) Land $130,000 Building $568,827
2023	$5,123.00 (-3.47%)	$101,000 (-24.85%)	$101,000 (-24.85%) Land $101,000
2022	$5,307.00	$134,400	$134,400 Land $134,400

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

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
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

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	Low lower than 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	SJCU-NORTHWEST UTILITIES WTP serves 48,040 people · EPA ID FL2554471
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, 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 235 locations within half a mile, as of December 31, 2025

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

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