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

St. Johns County property record for 641 Ocean Palm Way, Saint Augustine, FL 32080

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 4,295 sqft · built 2004
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$905,000 (Dec 2010)
Tax Bill	$16,452 (2025)
Deeds & Mortgages	May 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`174191-2080`

Property Details

APN / Parcel Number

Primary APN	`174191-2080`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	23 Plumbing Fixtures
Stories	2 Stories
Building Area	4,295 sqft Living Area
Gross Area	5,058 sqft
1st Floor Area	1,610 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Attached
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Glass Porch
Porch Area	1,055 sqft
Deck Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	641 OCEAN PALM WAY
City	SAINT AUGUSTINE
State	FL
Zip	32080-8714
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	36/1-11 SEA COLONY UNIT 1 OF THE BEACH CLUB AT ANASTASIA RESIDENTIAL CLUSTER DEVELOPMENT BLK B LOT 8 OR3387/1573
Legal Range	30E
Legal Township	08S
Legal Section	03
Legal Subdivision	SEA COLONY UNIT 1 OF THE BEACH CLUB AT A
Legal Block	B
Legal Lot Number	8
Legal Unit	1
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2002
Census Tract	21410

Owner

641 Ocean Palm Way is owned and occupied by an individual who bought it in December 2010.

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

Owner of Record	Individual Name on File
Mailing Address	641 OCEAN PALM WAY, SAINT AUGUSTINE, FL 32080-8714
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 16, 2010 · Amount on File
Deed Sale	Dec 16, 2010 · Amount on File
Prior Sale	Oct 12, 2010 · Amount on File
Deed Document Number	201062043
Deed Book / Page	3387 / 1573
Record Updated	Oct 29, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	641 OCEAN PALM WAY, SAINT AUGUSTINE, FL 32080-8714
Document Number	0045511088
Instrument Date	May 12, 2018
Transaction Type	Mortgage
Record Updated	Jun 14, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	641 OCEAN PALM WAY ST AUGUSTINE FL 320808714, ST AUGUSTINE, FL 32080-8714

Mortgage

Document Number	0045511088
Date	May 24, 2018
Book Page	004551/001088
Instrument	35671

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 23, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 641 Ocean Palm Way was $16,452 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

Type	Name
State	Florida
County	St. Johns County
Municipality	St. Augustine Beach City
Unified School District	St. Johns County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,062,968 (+2.7%)	$1,619,613 (-4.44%) Land $382,000 Building $1,237,613
2025	$16,452.00 (+9.05%) Homeowner's exemption	$1,035,022	$1,694,912 Land $382,000 Building $1,312,912
2024	$15,086.00 (+1.38%)
2023	$14,881.00 (+1.45%) Homeowner's exemption	$976,555 (+3%)	$1,497,969 (+18.41%) Land $364,000 Building $1,133,969
2022	$14,669.00 Homeowner's exemption	$948,112	$1,265,052 Land $364,000 Building $901,052

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

Flood

FEMA maps place 641 Ocean Palm Way 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 AO, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 294 individual policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	954 units insured incl. 660 condo units
Nearby Flood Claims	5 (2016–2024)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Oct 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 641 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 Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Direct 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 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 73 locations within half a mile, as of December 31, 2025

Provider	Max 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