640 Nautical Way, Saint Augustine, FL 32080 Property Records

St. Johns County property record for 640 Nautical Way, Saint Augustine, FL 32080

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,617 sqft · built 1996
Lot Size	0.13 acres (5,662 sqft)
Owner	2 Individual Names on File
Last Sale	$535,000 (Jul 2024)
Tax Bill	$6,243 (2025)
Deeds & Mortgages	Nov 2022 Sale Sep 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`162931-1110`

Property Details

APN / Parcel Number

Primary APN	`162931-1110`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,617 sqft Living Area
Gross Area	2,247 sqft
1st Floor Area	1,617 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2006
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,662 sqft (0.13 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	210 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	640 NAUTICAL WAY
City	SAINT AUGUSTINE
State	FL
Zip	32080-9163
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	24/46-47 COMMODORES CLUB 1-A BLOCK 1 LOT 11 OR5989/1552
Legal Range	30E
Legal Township	07S
Legal Section	33
Legal Subdivision	COMMODORES CLUB 1-A
Legal Block	1
Legal Lot Number	11
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	3
Census Block	3014
Census Tract	21408

Owner

Source: St. Johns County assessment roll, 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 File
Mailing Address	913 OCEAN PALM WAY, SAINT AUGUSTINE, FL 32080-8788
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Nov 2, 2022	Warranty Deed, Transfer PARADISE TITLE/STATE AUGUSTINE, PARADISE TTL OF ST AUGUSTINE
Sep 15, 2021	Warranty Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Feb 18, 2020	Loan Modification, Mortgage · Conventional Mortgage CENTERSTATE BK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 23, 2024 · Amount on Record
Deed Sale	Jul 23, 2024 · Amount on Record
Prior Sale	Nov 2, 2022 · Amount on Record
Deed Document Number	202457465
Deed Book / Page	5989 / 1552
Record Updated	Sep 20, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Nov 2, 2022
Property Address	640 NAUTICAL WAY, SAINT AUGUSTINE, FL 32080-9163
Document Number	0056590061
Book / Page	5659 / 61
Map Reference	MB 24 PG 46&47
Instrument Date	Nov 2, 2022
Instrument	2022101645
Transaction Type	Transfer
Record Updated	May 23, 2023
Title Company	PARADISE TITLE/STATE AUGUSTINE, PARADISE TTL OF ST AUGUSTINE

Transaction

Amount	Amount Recorded
Tax	$3,990.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	330 TRADE WIND LN, ST AUGUSTINE, FL 32080-6466

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 NAUTICAL WAY, ST AUGUSTINE, FL 32080-9163

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Sep 15, 2021
Property Address	640 NAUTICAL WAY, SAINT AUGUSTINE, FL 32080-9163
Document Number	0053690663
Book / Page	5369 / 663
Map Reference	MB 24 PG 46&47
Instrument Date	Sep 14, 2021
Instrument	2021101408
Transaction Type	Transfer
Record Updated	May 23, 2023
Title Company	ESTATE TITLE/STATE AUGUSTINE INC, ESTATE TTL OF ST AUGUSTINE I

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,799.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2860 COLLINS AVE, ST AUGUSTINE, FL 32084-1934

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 NAUTICAL WAY, ST AUGUSTINE, FL 32080-9163

Mortgage

Document Number	0005369665
Date	Sep 15, 2021
Instrument	5369/665

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

February 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST JOHNS FL
Property Address	640 NAUTICAL WAY, SAINT AUGUSTINE, FL 32080-9163
Document Number	0048871738
Instrument Date	Feb 18, 2020
Transaction Type	Mortgage
Record Updated	Mar 10, 2020
Title Company	ACTION TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2860 COLLINS AVE ST AUGUSTINE FL 320841934, ST AUGUSTINE, FL 32084-1934

Mortgage

Document Number	0048871738
Date	Feb 24, 2020
Book Page	004887/001738
Instrument	14055

Lender

Name	CENTERSTATE BK NA
Type	Bank
Address	SAINT AUGUSTINE, FL 32086

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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		$398,054 (-8.9%) Land $100,000 Building $298,054	$398,054 (-8.9%) Land $100,000 Building $298,054
2025	$6,243.00 (+7.53%)	$436,934 (-0.84%)	$436,934 (-0.84%) Land $100,000 Building $336,934
2024	$5,806.00 (-0.19%)	$440,650 (+1.01%)	$440,650 (+1.01%) Land $110,000 Building $330,650
2023	$5,817.00 (+25.96%)	$436,254 (+14.75%)	$436,254 (+14.75%) Land $110,000 Building $326,254
2022	$4,618.00 Homeowner's exemption	$380,165	$380,165 Land $95,200 Building $284,965

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

Flood

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 429 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	653 units insured incl. 224 condo units
Nearby Flood Claims	6 (2016–2024)
Claims Outside the SFHA	4 of 6
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Matthew, Oct 2016 · 3 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

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

Wildfire Risk	Low lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 428 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile USA Fixed Wireless	100 / 20

May also be available: IQ Fiber Intermediate Holdings, Verizon.

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