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

St. Johns County property record for 629 Drake Bay Ter, Saint Augustine, FL 32084

Property Summary

Property Type	Townhouse
Details	2 bd · 2.5 ba · 1,155 sqft · built 2008
Lot Size	0.04 acres (1,742 sqft)
Owner	2 Individual Names on File
Last Sale	$237,500 (Jul 2022)
Tax Bill	$2,541 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`086541-2203`

Property Details

APN / Parcel Number

Primary APN	`086541-2203`

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 2008
Effective Year Built	Effective 2008
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	77 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	629 DRAKE BAY TER
City	SAINT AUGUSTINE
State	FL
Zip	32084-2565
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PUD
Legal Description	54/70-73 PALOMA SUBDIVISION LOT 3 BLOCK 22 OR5598/722
Legal Range	29E
Legal Township	07S
Legal Section	05
Legal Subdivision	PALOMA SUBDIVISION
Legal Block	22
Legal Lot Number	3
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	4
Census Block	4012
Census Tract	20904

Owner

629 Drake Bay Ter, a townhouse, is owned and occupied by two individuals who bought it in July 2022.

Source: St. Johns County records, as of June 17, 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	2 Individual Names on File
Mailing Address	629 DRAKE BAY TER, SAINT AUGUSTINE, FL 32084-2565
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2022	Warranty Deed, Transfer · VA Mortgage KEYSTONE FUNDING INC
Mar 6, 2020	Warranty Deed, Transfer · Conventional Mortgage AMERIS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2022 · Amount on File
Deed Sale	Jul 15, 2022 · Amount on File
Prior Sale	Mar 6, 2020 · Amount on File
Deed Document Number	202269474
Deed Book / Page	5598 / 722
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jul 15, 2022
Property Address	629 DRAKE BAY TER, SAINT AUGUSTINE, FL 32084-2565
Document Number	0055980722
Book / Page	5598 / 722
Map Reference	MB 54 PG 70
Instrument Date	Jul 8, 2022
Instrument	2022069474
Transaction Type	Transfer
Record Updated	Oct 23, 2025
Title Company	CLOSING USA LLC, CLOSING BEAR LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,662.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	285 OLD VILLAGE CENTER CIR # CIR5208, CIR5208, ST AUGUSTINE, FL 32084-5814

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	629 DRAKE BAY TER, SAINT AUGUSTINE, FL 32084-2565

Mortgage

Document Number	0005598724
Date	Jul 15, 2022
Instrument	5598/724

Lender

Name	KEYSTONE FUNDING INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Mar 6, 2020
Property Address	629 DRAKE BAY TER, SAINT AUGUSTINE, FL 32084-2565
Document Number	0048970904
Book / Page	4897 / 904
Map Reference	MB 54 PG 70-73
Instrument Date	Feb 28, 2020
Instrument	2020018314
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	COMPASS LAND AND TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$910.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4714 BULLOCK CT, 4714, TAMPA, FL 33624-1601

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	629 DRAKE BAY TER, SAINT AUGUSTINE, FL 32084-2565

Mortgage

Document Number	48970906
Date	Mar 6, 2020
Instrument	4897/0906

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 629 Drake Bay Ter was $2,541, up 2.4% 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		$154,267 (-5.47%) Land $38,000 Building $116,267	$154,267 (-5.47%) Land $38,000 Building $116,267
2025	$2,541.00 (+2.42%)	$163,198 (-7.68%)	$163,198 (-7.68%) Land $36,000 Building $127,198
2024	$2,481.00 (-2.59%)	$176,779 (-1.71%)	$176,779 (-1.71%) Land $47,500 Building $129,279
2023	$2,547.00 (+97.75%)	$179,857 (+48.43%)	$179,857 (+10.74%) Land $47,500 Building $132,357
2022	$1,288.00 Homeowner's exemption	$121,171	$162,415 Land $39,200 Building $123,215

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

Flood

FEMA maps place 629 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 629 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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