St. Johns County property record for 640 N Clay St, Saint Augustine, FL 32084
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,048 sqft · built 1995 |
| Lot Size | 0.23 acres (10,018 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $755 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 118170-0000 |
| Primary APN | 118170-0000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,048 sqft Living Area |
| 1st Floor Area | 1,048 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,018 sqft (0.23 acres) |
| Lot Dimensions | 200 ft deep x 50 ft wide |
| Porch | Finished/Open Porch |
| Porch Area | 84 sqft |
| Patio Area | 32 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 640 N CLAY ST |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32084-1055 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS3 |
| Legal Description | 4-28 AFRO AMERICAN SUB OF BLK 105 DANCY TRACT LOT 29 OR941/526(A/D) &993/319 &1667/678(Q/C) |
| Legal Range | 29E |
| Legal Township | 07S |
| Legal Section | 41 |
| Legal Subdivision | AFRO-AMERICAN SUBDIVISION OF THE DANCY T |
| Legal Block | 105 |
| Legal Lot Number | 29 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 21003 |
Source: St. Johns County records, as of April 13, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 640 N CLAY ST, SAINT AUGUSTINE, FL 32084-1055 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Oct 16, 2001 |
| Transfer Doc | 0016670678 |
| Record Updated | Jun 8, 2026 |
Source: St. Johns County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $64,946 (+2.7%) | $180,260 (+4.88%) Land $45,000 Building $135,260 | |
| 2025 | $755.00 (+20.03%) Homeowner's exemption | $63,239 (+2.9%) | $171,871 (+2.07%) Land $45,000 Building $126,871 |
| 2024 | $629.00 (+0.64%) Homeowner's exemption | $61,457 (+3%) | $168,390 (+5.85%) Land $38,025 Building $130,365 |
| 2023 | $625.00 (+4.17%) Homeowner's exemption | $59,667 (+3%) | $159,077 (+11.05%) Land $30,888 Building $128,189 |
| 2022 | $600.00 Homeowner's exemption | $57,929 | $143,252 Land $21,294 Building $121,958 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 28 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 28 in force |
| Nearby Flood Claims | 3 (1996–2001) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Sep 2001 · Severe Storms, Tornadoes And Flooding Associated With Tropical Storm Gabrielle |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST. AUGUSTINE WS serves 43,069 people · EPA ID FL2550210 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2024 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 5 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.
Source: FCC Broadband Data Collection, based on 226 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 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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