639 Enrede Ln, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 639 Enrede Ln, Saint Augustine, FL 32095

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,455 sqft · built 2020
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on File
Last Sale	$500,000 (Mar 2020)
Tax Bill	$13,344 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`072151-0800`

Property Details

APN / Parcel Number

Primary APN	`072151-0800`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Plumbing Fixtures	16 Plumbing Fixtures
Stories	1 Story
Building Area	3,455 sqft Living Area
Gross Area	4,306 sqft
1st Floor Area	2,770 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,632 sqft (0.29 acres)
Garage Type	Attached
Garage Area	661 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	232 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	639 ENREDE LN
City	SAINT AUGUSTINE
State	FL
Zip	32095-7443
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	62/77-102 PALENCIA NORTH PHASE 1 LOT 80 OR4909/847
Legal Range	29E
Legal Township	05S
Legal Section	28
Legal Subdivision	PALENCIA NORTH PHASE 1
Legal Phase	1
Legal Block	3
Legal Lot Number	80
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	3
Census Block	3003
Census Tract	20606

Owner

639 Enrede Ln is owned and occupied by two individuals who bought it in March 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	639 ENREDE LN, SAINT AUGUSTINE, FL 32095-7443
Occupancy	Owner Occupied
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
Oct 17, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jul 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage TITAN MUTUAL LENDING INC
Mar 25, 2020	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 25, 2020 · Amount on File
Deed Sale	Mar 25, 2020 · Amount on File
Deed Document Number	202023848
Deed Book / Page	4909 / 847
Record Updated	Jun 8, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	639 ENREDE LN, SAINT AUGUSTINE, FL 32095-7443
Transaction Type	Mortgage
Record Updated	Oct 23, 2025
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	639 ENREDE LN, SAINT AUGUSTINE, FL 32095-7443
Investor	Possibly a Property Investor

Mortgage

Document Number	0056491036
Date	Oct 17, 2022
Book Page	5649/1036
Instrument	2022096611

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 4, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	639 ENREDE LN, SAINT AUGUSTINE, FL 32095-7443
Transaction Type	Mortgage
Record Updated	Oct 23, 2025
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	639 ENREDE LN, ST AUGUSTINE, FL 32095-7443

Mortgage

Document Number	0053091495
Date	Jul 6, 2021
Book Page	5309/1495
Instrument	2021074446

Lender

Name	TITAN MUTUAL LENDING INC
Type	Mortgage Company
Address	IRVINE, CA 92602

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

March 2020: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Mar 25, 2020
Property Address	639 ENREDE LN, SAINT AUGUSTINE, FL 32095-7443
Document Number	0049090847
Book / Page	4909 / 847
Map Reference	MB 62 PG 77
Instrument Date	Mar 20, 2020
Instrument	2020023848
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 31, 2021
Title Company	CALATLANTIC TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,500.00
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	639 ENREDE LN, SAINT AUGUSTINE, FL 32095-7443

Mortgage

Document Number	49090851
Date	Mar 25, 2020
Instrument	4909/0851

Lender

Name	EAGLE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 639 Enrede Ln was $13,344 with a homeowner's exemption, up 9.2% 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		$691,474 (+0.22%) Land $140,000 Building $551,474	$691,474 (-3.24%) Land $140,000 Building $551,474
2025	$13,344.00 (+9.22%) Homeowner's exemption	$689,985 (+2.9%)	$714,659 (-0.61%) Land $150,000 Building $564,659
2024	$12,218.00 (+4.05%) Homeowner's exemption	$670,539 (+3%)	$719,070 (-6.32%) Land $145,000 Building $574,070
2023	$11,742.00 (+1.7%) Homeowner's exemption	$651,009 (+3%)	$767,615 (+16.79%) Land $145,000 Building $622,615
2022	$11,546.00 Homeowner's exemption	$632,048	$657,273 Land $100,800 Building $556,473

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

Flood

FEMA maps place 639 Enrede Ln 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 221 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	221 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 639 Enrede Ln is low, with a 0.05% annual chance of 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 88% of Florida
Wildfire Likelihood	0.05% 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-NORTHEAST UTILITIES WS serves 14,790 people · EPA ID FL2554475
Water Source	Purchased groundwater from JEA MAJOR GRID
Last State Inspection	Mar 2024
Also Mapped Here	SJCU-CR214 MAINLAND WTP
Lead	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	3 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 146 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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