609 Drake Bay Ter, Saint Augustine, FL 32084 Property Records

St. Johns County property record for 609 Drake Bay Ter, Saint Augustine, FL 32084

Property Summary

Property Type	Townhouse
Details	2 bd · 2.5 ba · 1,155 sqft · built 2007
Lot Size	0.04 acres (1,742 sqft)
Owner	2 Individual Names on File
Last Sale	$122,500 (Dec 2017)
Tax Bill	$2,518 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`086541-2103`

Property Details

APN / Parcel Number

Primary APN	`086541-2103`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	1,155 sqft Living Area
1st Floor Area	525 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	1,742 sqft (0.04 acres)
Porch	Finished/Open Porch
Porch Area	101 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	609 DRAKE BAY TER
City	SAINT AUGUSTINE
State	FL
Zip	32084-2559
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PUD
Legal Description	54/70-73 PALOMA SUBDIVISION LOT 3 BLOCK 21 OR4474/1184
Legal Range	29E
Legal Township	07S
Legal Section	05
Legal Subdivision	PALOMA SUBDIVISION
Legal Block	21
Legal Lot Number	3
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	4
Census Block	4012
Census Tract	20904

Owner

609 Drake Bay Ter, a townhouse, is owned by two individuals who bought it in December 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	301 COUNTRY FERN DR, SAINT AUGUSTINE, FL 32092-3384
Owner Type	Individual

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
Nov 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Dec 11, 2017	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 11, 2017 · Amount on File
Deed Sale	Dec 11, 2017 · Amount on File
Prior Sale	May 2, 2008 · Amount on File
Deed Document Number	201783507
Deed Book / Page	4474 / 1184
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	609 DRAKE BAY TER, SAINT AUGUSTINE, FL 32084-2559
Transaction Type	Mortgage
Record Updated	Oct 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1148 CABIN BLUFF DR, SAINT AUGUSTINE, FL 32092-3460

Mortgage

Document Number	0054230727
Date	Nov 18, 2021
Book Page	5423/727
Instrument	2021125472

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

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

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Dec 11, 2017
Property Address	609 DRAKE BAY TER, SAINT AUGUSTINE, FL 32084-2559
Document Number	0044741184
Book / Page	4474 / 1184
Map Reference	MB54 PG70-73
Instrument Date	Dec 7, 2017
Instrument	2017083507
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	1729 SUNSET DR, 1729, JACKSONVILLE BEACH, FL 32250-2983

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1148 CABIN BLUFF DR, SAINT AUGUSTINE, FL 32092-3460

Mortgage

Document Number	2017083508
Date	Dec 11, 2017
Instrument	2017083508

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 609 Drake Bay Ter was $2,518, up 8.2% 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		$151,540 (-6.16%) Land $38,000 Building $113,540	$151,540 (-6.16%) Land $38,000 Building $113,540
2025	$2,518.00 (+8.21%)	$161,492 (-6.92%)	$161,492 (-6.92%) Land $36,000 Building $125,492
2024	$2,327.00 (+2.78%)	$173,505 (-1.74%)	$173,505 (-1.74%) Land $47,500 Building $126,005
2023	$2,264.00 (+8.02%)	$176,579 (+7.96%)	$176,579 (+7.96%) Land $47,500 Building $129,079
2022	$2,096.00	$163,561	$163,561 Land $39,200 Building $124,361

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

Flood

FEMA maps place 609 Drake Bay Ter 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 11 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	11 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 609 Drake Bay Ter is moderate, ranking above 44% of the US, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 44% of the US · lower than 85% of Florida
Wildfire Likelihood	0.06% 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-CR214 MAINLAND WTP serves 66,953 people · EPA ID FL2554447
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 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 209 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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