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628 Ocean Palm Way, Saint Augustine, FL 32080 Property Records

St. Johns County property record for 628 Ocean Palm Way, Saint Augustine, FL 32080

Property Summary

Property TypeSingle Family Home
Details5 bd · 6 ba · 5,609 sqft · built 2005
Lot Size0.19 acres (8,276 sqft)
Owner2 Individual Names on File
Last Sale$1,900,000 (Mar 2018)
Tax Bill$30,184 (2025)
Deeds & MortgagesMar 2021 Mortgage
Mar 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN174191-1050

Property Details

APN / Parcel Number

Primary APN174191-1050

Interior

Bedrooms5 Beds
Full Baths6 Baths
Plumbing Fixtures25 Plumbing Fixtures
Stories2 Stories
Building Area5,609 sqft Living Area
Gross Area6,307 sqft
1st Floor Area2,361 sqft
FlooringCeramic Tile
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace
ElevatorElevator

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2005
Exterior MaterialConcrete
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area8,276 sqft (0.19 acres)
Garage TypeAttached
Garage Area698 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool Area231 sqft
PorchFinished/Open Porch
Porch Area1,762 sqft
Deck Area168 sqft
Patio Area253 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address628 OCEAN PALM WAY
CitySAINT AUGUSTINE
StateFL
Zip32080-8707
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description36/1-11 SEA COLONY UNIT 1 OF THE BEACH CLUB AT ANASTASIA RESIDENTIAL CLUSTER DEVELOPMENT BLK A LOT 5 OR4511/190
Legal Range30E
Legal Township08S
Legal Section03
Legal SubdivisionSEA COLONY UNIT 1 OF THE BEACH CLUB AT A
Legal BlockA
Legal Lot Number5
Legal Unit1
JurisdictionST JOHNS FL
Township / Civil DivisionST. AUGUSTINE
Census Block Group2
Census Block2001
Census Tract21410

Owner

628 Ocean Palm Way is owned and occupied by two individuals who bought it in March 2018.

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

Owner of Record2 Individual Names on File
Mailing Address628 OCEAN PALM WAY, SAINT AUGUSTINE, FL 32080-8707
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Mar 31, 2021Deed of Trust, Mortgage · Conventional Mortgage
ALLY BANK
Mar 2, 2018Warranty Deed, Transfer
VYSTAR CU

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 2, 2018 · Amount on File
Deed SaleMar 2, 2018 · Amount on File
Prior SaleJun 6, 2002 · Amount on File
Deed Document Number201814238
Deed Book / Page4511 / 190
Record UpdatedOct 29, 2026

March 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address628 OCEAN PALM WAY, SAINT AUGUSTINE, FL 32080-8707
Transaction TypeMortgage
Record UpdatedMay 23, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address628 OCEAN PALM WAY, SAINT AUGUSTINE, FL 32080-8707

Mortgage

Document Number0052231586
DateMar 31, 2021
Book Page5223/1586
Instrument2021035466
Lender
NameALLY BANK
TypeBank
AddressCHARLOTTE, NC 28202
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueApr 1, 2051

March 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateMar 2, 2018
Property Address628 OCEAN PALM WAY, SAINT AUGUSTINE, FL 32080-8707
Document Number0045110190
Book / Page004511 / 000190
Instrument DateFeb 28, 2018
Instrument14238
Transaction TypeTransfer
Record UpdatedMar 13, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$13,300.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address628 OCEAN PALM WAY ST AUGUSTINE FL 320808707, ST AUGUSTINE, FL 32080-8707

Mortgage

Document Number45110192
DateMar 2, 2018
Book Page004511/000192
Instrument14239
Lender
NameVYSTAR CU
TypeCredit Union
AddressJACKSONVILLE, FL 32232-5085
Agreement
AmountAmount on Record
Term360 Months
DueMar 1, 2048
Interest
Rate TypeAdjustable Rate
Rate3.5%

Tax Assessment & Valuation

The 2025 property tax bill for 628 Ocean Palm Way was $30,184 with a homeowner's exemption, up 9.1% from the year before.

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

Property Jurisdictions

TypeName
StateFlorida
CountySt. Johns County
MunicipalitySt. Augustine Beach City
Unified School DistrictSt. Johns County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$1,934,576 (+2.7%)$2,682,608 (+2.65%) Land $970,000 Building $1,712,608
2025$30,184.00 (+9.07%) Homeowner's exemption$1,883,716 (+2.9%)$2,613,260 (+10.15%) Land $970,000 Building $1,643,260
2024$27,674.00 (+1.24%) Homeowner's exemption$1,830,628 (+3%)$2,372,450 (+1.49%) Land $924,000 Building $1,448,450
2023$27,335.00 (+1.4%) Homeowner's exemption$1,777,309 (+3%)$2,337,672 (-4.57%) Land $924,000 Building $1,413,672
2022$26,958.00 Homeowner's exemption$1,725,543$2,449,663 Land $924,000 Building $1,525,663

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

Flood

FEMA maps place 628 Ocean Palm Way in Zone X, an area of minimal flood risk, within 100 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AO, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 294 individual policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies954 units insured
incl. 660 condo units
Nearby Flood Claims5 (2016–2024)
Claims Outside the SFHA4 of 5
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Irma, Sep 2017 · 2 claims

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 628 Ocean Palm Way is low, with a 0.02% annual chance of wildfire.

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

Wildfire RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.02% annual chance
ExposureDirect
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 SystemSJCU-CR214 MAINLAND WTP
serves 66,953 people · EPA ID FL2554447
Water SourceGroundwater
Last State InspectionAug 2025
LeadUnder 1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting6
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 73 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
IQ Fiber
Fiber		5,000 / 5,000
Xfinity
Cable		2,000 / 250
AT&T
Fiber · DSL in parts of the area		1,000 / 1,000
T-Mobile
Fixed Wireless		100 / 20

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