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642 Sweet Orange Ter, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 642 Sweet Orange Ter, Saint Augustine, FL 32092

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,868 sqft · built 2012
Lot Size0.17 acres (7,405 sqft)
Owner2 Individual Names on Record
Last Sale$280,000 (Jan 2021)
Tax Bill$6,521 (2025)
Deeds & MortgagesMar 2024 Mortgage
Jan 2021 Sale & Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APN288108-5050

Property Details

APN / Parcel Number

Primary APN288108-5050

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures10 Plumbing Fixtures
Stories1 Story
Building Area1,868 sqft Living Area
Gross Area2,242 sqft
1st Floor Area1,868 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2012
Effective Year BuiltEffective 2012
Exterior MaterialStucco
Construction TypeWood
Foundation TypeConcrete
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,405 sqft (0.17 acres)
Garage TypeAttached
Garage Area374 sqft
Parking Spaces1 Parking Space
PorchFinished/Open Porch
Porch Area154 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address642 SWEET ORANGE TER
CitySAINT AUGUSTINE
StateFL
Zip32092-2807
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePUD
Legal Description57/73-81 SAINT JOHNS SIX MILE CREEK WEST UNIT 4 LOT 505 OR4592/910 & 5152/1265
Legal Range28E
Legal Township06S
Legal Section38
Legal SubdivisionSAINT JOHNS SIX MILE CREEK WEST UNIT 4
Legal Block1
Legal Lot Number505
Legal Unit4
JurisdictionST JOHNS FL
Township / Civil DivisionST. AUGUSTINE
Census Block Group1
Census Block1004
Census Tract20905

Owner

Source: St. Johns County records, as of April 13, 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 Record2 Individual Names on Record
Mailing Address642 SWEET ORANGE TER, SAINT AUGUSTINE, FL 32092-2807
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 4, 2024Deed of Trust, Mortgage · FHA Mortgage
LOANCARE LLC
Jan 14, 2021Warranty Deed, Transfer · FHA Mortgage
AMERICAN FINANCIAL RESOURCES INC
Aug 6, 2018Warranty Deed, Transfer · VA Mortgage
NATIONS LNDG
Feb 5, 2018Loan Modification, Mortgage · FHA Mortgage
ACADEMY MTG
Feb 7, 2018Quit Claim Deed, Transfer
Quitclaim

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 14, 2021 · Amount on Record
Deed SaleJan 14, 2021 · Amount on Record
Prior SaleAug 6, 2018 · Amount on Record
Deed Document Number20215297
Deed Book / Page5152 / 1265
Prior Transfer DateJan 17, 2018
Prior Transfer Doc0045001174
Record UpdatedOct 29, 2026

March 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address642 SWEET ORANGE TER, SAINT AUGUSTINE, FL 32092-2807
Transaction TypeMortgage
Record UpdatedMar 14, 2024
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address642 SWEET ORANGE TER, SAINT AUGUSTINE, FL 32092-2807

Mortgage

Document Number0059090810
DateMar 4, 2024
Book Page5909/810
Instrument2024016074
Lender
NameLOANCARE LLC
TypeMortgage Company
AddressVIRGINIA BEACH, VA 23453
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term322 Months
DueJan 1, 2051

January 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateJan 14, 2021
Property Address642 SWEET ORANGE TER, SAINT AUGUSTINE, FL 32092-2807
Document Number0051521265
Book / Page5152 / 1265
Map ReferenceMB 57 PG 73-81
Instrument DateDec 23, 2020
Instrument2021005297
Transaction TypeTransfer
Record UpdatedAug 31, 2021
Title CompanyLANDMARK TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,960.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2220 COUNTY ROAD 210 W # W108, 2220, SAINT JOHNS, FL 32259-4058

Transferred To (Grantee/Buyer)

NameVerified Name
Address642 SWEET ORANGE TER, SAINT AUGUSTINE, FL 32092-2807

Mortgage

Document Number51521267
DateJan 14, 2021
Instrument5152/1267
Lender
NameAMERICAN FINANCIAL RESOURCES INC
TypeFunding / Finance Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJan 1, 2051

August 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateAug 6, 2018
Property Address642 SWEET ORANGE TER, SAINT AUGUSTINE, FL 32092-2807
Document Number0045920910
Book / Page004592 / 000910
Instrument DateAug 6, 2018
Instrument56706
Transaction TypeTransfer
Record UpdatedAug 21, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,673.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipMarried Couple
Address642 SWEET ORANGE TER ST AUGUSTINE FL 320922807, ST AUGUSTINE, FL 32092-2807

Mortgage

Document Number45920912
DateAug 6, 2018
Book Page004592/000912
Instrument56707
Lender
NameNATIONS LNDG
AddressINDEPENDENCE, OH 44131
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueAug 5, 2048

February 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionST JOHNS FL
Property Address642 SWEET ORANGE TER, SAINT AUGUSTINE, FL 32092-2807
Document Number0045290814
Instrument DateFeb 5, 2018
Transaction TypeMortgage
Record UpdatedApr 24, 2018
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
Address642 SWEET ORANGE TER ST AUGUSTINE FL 320922807, ST AUGUSTINE, FL 32092-2807

Mortgage

Document Number0045290814
DateApr 10, 2018
Book Page004529/000814
Instrument23922
Lender
NameACADEMY MTG
TypeMortgage Company
AddressEWING, NJ 08618
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueApr 9, 2048
Interest
Rate TypeFixed Rate
Rate4.12%

February 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionST JOHNS FL
Recording DateFeb 7, 2018
Property Address642 SWEET ORANGE TER, SAINT AUGUSTINE, FL 32092-2807
Document Number0045001174
Book / Page004500 / 001174
Instrument DateJan 17, 2018
Instrument8564
Transaction TypeTransfer
Record UpdatedFeb 16, 2018

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address642 SWEET ORANGE TER ST AUGUSTINE FL 320922807, ST AUGUSTINE, FL 32092-2807

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountySt. Johns County
Unified School DistrictSt. Johns County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$323,336 (+0.58%) Land $85,000 Building $238,336$323,336 (+0.58%) Land $85,000 Building $238,336
2025$6,521.00 (+5.48%) Homeowner's exemption$321,481 (-2.69%)$321,481 (-3.57%) Land $90,000 Building $231,481
2024$6,182.00 (+1.93%) Homeowner's exemption$330,368 (+3%)$333,384 (-0.74%) Land $100,000 Building $233,384
2023$6,065.00 (+2.78%) Homeowner's exemption$320,746 (+3%)$335,867 (+7.86%) Land $100,000 Building $235,867
2022$5,901.00 Homeowner's exemption$311,404$311,404 Land $75,040 Building $236,364

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 84 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies84 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

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

Wildfire RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.03% annual chance
ExposureIndirect
within ember reach

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 SystemSJCU-NORTHWEST UTILITIES WTP
serves 48,040 people · EPA ID FL2554471
Water SourceGroundwater
Last State InspectionJun 2024
Also Mapped HereSJCU-CR214 MAINLAND WTP
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 239 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
AT&T
Fiber		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

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