St. Johns County property record for 645 Blind Oak Cir, Saint Augustine, FL 32095
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,990 sqft · built 2024 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $486,100 (Feb 2024) |
| Tax Bill | $8,369 (2025) |
| Deeds & Mortgages | Feb 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 027018-0840 |
| Primary APN | 027018-0840 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,990 sqft Living Area |
| Gross Area | 2,434 sqft |
| 1st Floor Area | 1,990 sqft |
| Flooring | Carpet |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,534 sqft (0.15 acres) |
| Garage Type | Attached |
| Garage Area | 444 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 198 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 645 BLIND OAK CIR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32095-0051 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 111/23-36 PRESERVE AT BANNON LAKES PHASE 2B LOT 84 OR5899/364 |
| Legal Subdivision | PRESERVE AT BANNON LAKES PHASE 2B |
| Legal Block | 1 |
| Legal Lot Number | 84 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2065 |
| Census Tract | 20904 |
645 Blind Oak Cir is owned and occupied by two individuals who bought it in February 2024.
Source: St. Johns County records, as of April 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 645 BLIND OAK CIR, SAINT AUGUSTINE, FL 32095-0051 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 12, 2024 · Amount on File |
| Deed Sale | Feb 12, 2024 · Amount on File |
| Deed Document Number | 202410699 |
| Deed Book / Page | 5899 / 364 |
| Record Updated | Jun 8, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Feb 12, 2024 |
| Property Address | 645 BLIND OAK CIR, SAINT AUGUSTINE, FL 32095-0051 |
| Document Number | 0058990364 |
| Book / Page | 5899 / 364 |
| Map Reference | MB 111 PG 23-36 |
| Instrument Date | Feb 8, 2024 |
| Instrument | 2024010699 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 26, 2024 |
| Title Company | PGP TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,402.70 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12724 GRAN BAY PKWY W # W200, W200, JACKSONVILLE, FL 32258-9485 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 645 BLIND OAK CIR, ST AUGUSTINE, FL 32095-0051 |
| Document Number | 0005899366 |
|---|---|
| Date | Feb 12, 2024 |
| Instrument | 5899/366 |
| Name | PULTE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2054 |
The 2025 property tax bill for 645 Blind Oak Cir was $8,369 with a homeowner's exemption, up 93.6% from the year before.
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 | $392,039 (-4.15%) Land $95,000 Building $297,039 | $392,039 (-4.15%) Land $95,000 Building $297,039 | |
| 2025 | $8,369.00 (+93.64%) Homeowner's exemption | $408,998 | $408,998 Land $95,000 Building $313,998 |
| 2024 | $4,322.00 (+5.85%) | ||
| 2023 | $4,083.00 (+28.07%) | $95,000 (+182.74%) | $95,000 (+182.74%) Land $95,000 |
| 2022 | $3,188.00 | $33,600 | $33,600 Land $33,600 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 645 Blind Oak Cir in Zone X, an area of minimal flood risk, within 100 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 AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 206 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 206 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 risk around 645 Blind Oak Cir is high, ranking above 73% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 73% of the US · above 58% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
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-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 |
| 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.
Source: FCC Broadband Data Collection, based on 87 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Fiber | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: T-Mobile.
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