St. Johns County property record for 644 N Legacy Trl, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 2,659 sqft · built 2014 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | Company Name on Record |
| Last Sale | $285,000 (Apr 2020) |
| Tax Bill | $4,302 (2025) |
| Deeds & Mortgages | Jun 2020 Line of Credit Apr 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 029221-1860 |
| Primary APN | 029221-1860 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,659 sqft Living Area |
| Gross Area | 3,160 sqft |
| 1st Floor Area | 2,659 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,583 sqft (0.22 acres) |
| Garage Type | Attached |
| Garage Area | 501 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 150 sqft |
| Patio Area | 249 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 644 N LEGACY TRL |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-2711 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 54/15-29 CASCADES AT WORLD GOLF VILLAGE LOT 186 OR4925/1185 |
| Legal Range | 28E |
| Legal Township | 06S |
| Legal Section | 03 |
| Legal Subdivision | CASCADES AT WORLD GOLF VILLAGE |
| Legal Block | 3 |
| Legal Lot Number | 186 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 20908 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 644 N LEGACY TRL, SAINT AUGUSTINE, FL 32092-2711 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Date | Document |
|---|---|
| Jun 30, 2020 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Apr 17, 2020 | Warranty Deed, Transfer LANDMARK TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 17, 2020 · Amount on Record |
| Deed Sale | Apr 17, 2020 · Amount on Record |
| Prior Sale | Jun 10, 2014 · Amount on Record |
| Deed Document Number | 202030224 |
| Deed Book / Page | 4925 / 1185 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 644 N LEGACY TRL, SAINT AUGUSTINE, FL 32092-2711 |
| Document Number | 0049860992 |
| Instrument Date | Jun 30, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 14, 2020 |
| Title Company | TITLE365 - OMAHA |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 644 N LEGACY TRL ST AUGUSTINE FL 320922711, ST AUGUSTINE, FL 32092-2711 |
| Document Number | 0049860992 |
|---|---|
| Date | Jul 10, 2020 |
| Book Page | 004986/000992 |
| Instrument | 55382 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 9, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Apr 17, 2020 |
| Property Address | 644 N LEGACY TRL, SAINT AUGUSTINE, FL 32092-2711 |
| Document Number | 0049251185 |
| Book / Page | 004925 / 001185 |
| Instrument Date | Apr 16, 2020 |
| Instrument | 30224 |
| Transaction Type | Transfer |
| Record Updated | Jun 24, 2020 |
| Title Company | LANDMARK TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,995.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 644 N LEGACY TRL ST AUGUSTINE FL 320922711, ST AUGUSTINE, FL 32092-2711 |
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 | $342,392 (+2.7%) | $394,413 (-8.96%) Land $80,000 Building $314,413 | |
| 2025 | $4,302.00 (+12.56%) Homeowner's exemption | $333,390 (+5.99%) | $433,234 (+5%) Land $86,000 Building $347,234 |
| 2024 | $3,822.00 (+2%) | ||
| 2023 | $3,747.00 (+2.91%) Homeowner's exemption | $314,557 (+3%) | $412,623 (+3.31%) Land $82,000 Building $330,623 |
| 2022 | $3,641.00 Homeowner's exemption | $305,395 | $399,399 Land $78,400 Building $320,999 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 175 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 175 in force |
| Nearby Flood Claims | 1 (2017) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
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 | High above 74% of the US · above 59% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% 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 | SJCU-NORTHWEST UTILITIES WTP serves 48,040 people · EPA ID FL2554471 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Also Mapped Here | SJCU-CR214 MAINLAND WTP |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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 89 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 1,000 / 1,000 |
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