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644 Back Creek Dr, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 644 Back Creek Dr, Saint Augustine, FL 32092 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,912 sqft · built 2024
Lot Size0.25 acres (10,890 sqft)
Owner2 Individual Names on File
Last Sale$674,000 (Mar 2025)
Tax Bill$12,036 (2025)
Deeds & MortgagesMar 2025 Sale & Mortgage
May 2023 Sale
Flood ZoneZone X (minimal risk)
APN029011-8730

Property Details

APN / Parcel Number

Primary APN029011-8730

Interior

Bedrooms4 Beds
Full Baths3 Baths
Plumbing Fixtures14 Plumbing Fixtures
Stories1 Story
Building Area2,912 sqft Living Area
Gross Area3,590 sqft
1st Floor Area2,912 sqft
FlooringCarpet

Exterior

Year BuiltBuilt 2024
Effective Year BuiltEffective 2024
Exterior MaterialConcrete
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area10,890 sqft (0.25 acres)
Garage TypeAttached
Garage Area678 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Open Porch
Porch Area360 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address644 BACK CREEK DR
CitySAINT AUGUSTINE
StateFL
Zip32092-0116
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description107/24-37 WHISPER CREEK PHASE 6 LOT 873 OR6112/913
Legal Range28
Legal Township06
Legal Section38
Legal SubdivisionWHISPER CREEK PHASE 6
Legal Phase6
Legal Block1
Legal Lot Number873
JurisdictionST JOHNS FL
Township / Civil DivisionST. AUGUSTINE
Census Block Group2
Census Block2005
Census Tract20905

Owner

Source: St. Johns County records · APN 029011-8730

Assessment roll updated April 13, 2026 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address644 BACK CREEK DR, SAINT AUGUSTINE, FL 32092-0116
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Mar 12, 2025Special Warranty Deed, Subdivision Related Transfer · VA Mortgage
FIRST EQUITY MORTGAGE INC
May 15, 2023Special Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 12, 2025 · Amount on Record
Deed SaleMar 12, 2025 · Amount on Record
Prior SaleJul 05, 2023 · Amount on Record
Deed Document Number202519312
Deed Book / Page6112 / 913
Record UpdatedJun 08, 2026

March 2025: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionST JOHNS FL
Recording DateMar 12, 2025
Property Address644 BACK CREEK DR, SAINT AUGUSTINE, FL 32092-0116
Document Number0061120913
Book / Page6112 / 913
Map ReferenceMB 107 PG 24-37
Instrument DateMar 11, 2025
Instrument2025019312
Transaction TypeSubdivision Related Transfer
Record UpdatedJan 13, 2026
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURAN

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$4,718.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address9452 PHILIPS HWY STE 4, 4, JACKSONVILLE, FL 32256-1332

Transferred To (Grantee/Buyer)

NameVerified Name
Address644 BACK CREEK DR, SAINT AUGUSTINE, FL 32092-0116

Mortgage

Document Number0006112919
DateMar 12, 2025
Instrument6112/919
Lender
NameFIRST EQUITY MORTGAGE INC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2055

May 2023: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionST JOHNS FL
Recording DateMay 15, 2023
Property Address644 BACK CREEK DR, SAINT AUGUSTINE, FL 32092-0116
Document Number0057571273
Book / Page5757 / 1273
Map ReferenceMB 107 PG 24-37
Instrument DateMay 15, 2023
Instrument2023037139
Transaction TypeTransfer
Record UpdatedJan 13, 2026
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
Tax$4,340.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
Address7807 BAYMEADOWS RD E, JACKSONVILLE, FL 32256-9664

Transferred To (Grantee/Buyer)

NameVerified Name
Address200 BUSINESS PARK CIR, SAINT AUGUSTINE, FL 32095-8822
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2026$608,087 (+0.02%) Land $160,000 Building $448,087$608,087 (+0.02%) Land $160,000 Building $448,087
2025$12,036.00 (+130.13%) Homeowner's exemption$607,974 (+367.67%)$607,974 (+367.67%) Land $155,000 Building $452,974
2024$5,230.00 (+7.41%)$130,000 (+28.71%)$130,000 (+28.71%) Land $130,000
2023$4,869.00 (-8.25%)$101,000 (-24.85%)$101,000 (-24.85%) Land $101,000
2022$5,307.00$134,400$134,400 Land $134,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090209052, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 29 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies29 in force

Wildfire

Wildfire RiskLow
above 37% of the US · above 11% of Florida
Wildfire LikelihoodAbout 1 in 1,429 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 235 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
XfinityFiber2,000 / 2,000
VerizonFixed Wireless300 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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