645 Drake Bay Ter, Saint Augustine, FL 32084 Property Records

St. Johns County property record for 645 Drake Bay Ter, Saint Augustine, FL 32084

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 1,365 sqft · built 2008
Lot Size	0.04 acres (1,742 sqft)
Owner	Individual Name on Record
Last Sale	$210,000 (Oct 2023)
Tax Bill	$1,574 (2025)
Deeds & Mortgages	Oct 2023 Sale Mar 2019 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`086541-2301`

Property Details

APN / Parcel Number

Primary APN	`086541-2301`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	1,365 sqft Living Area
Gross Area	1,442 sqft
1st Floor Area	630 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	1,742 sqft (0.04 acres)
Porch	Finished Screened Porch
Porch Area	77 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	645 DRAKE BAY TER
City	SAINT AUGUSTINE
State	FL
Zip	32084-2568
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PUD
Legal Description	54/70-73 PALOMA SUBDIVISION LOT 1 BLOCK 23 OR5844/1098
Legal Range	29E
Legal Township	07S
Legal Section	05
Legal Subdivision	PALOMA SUBDIVISION
Legal Block	23
Legal Lot Number	1
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	4
Census Block	4012
Census Tract	20904

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	645 DRAKE BAY TER, SAINT AUGUSTINE, FL 32084-2568
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2023	Warranty Deed, Transfer OS NATIONAL LLC
Mar 5, 2019	Loan Modification, Mortgage · Conventional Mortgage PNC MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 20, 2023 · Amount on Record
Deed Sale	Oct 20, 2023 · Amount on Record
Prior Sale	Apr 3, 2023 · Amount on Record
Deed Document Number	202382925
Deed Book / Page	5844 / 1098
Record Updated	Oct 29, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Oct 20, 2023
Property Address	645 DRAKE BAY TER, SAINT AUGUSTINE, FL 32084-2568
Document Number	0058441098
Book / Page	5844 / 1098
Map Reference	MB 54 PG 70-73
Instrument Date	Oct 18, 2023
Instrument	2023082925
Transaction Type	Transfer
Record Updated	Oct 23, 2025
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount Recorded
Tax	$1,470.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	410 N SCOTTSDALE RD # RD1600, RD1600, TEMPE, AZ 85288-7094

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 DRAKE BAY TER, SAINT AUGUSTINE, FL 32084-2568

March 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST JOHNS FL
Property Address	645 DRAKE BAY TER, SAINT AUGUSTINE, FL 32084-2568
Document Number	0047081621
Instrument Date	Mar 5, 2019
Transaction Type	Mortgage
Record Updated	Apr 24, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 DRAKE BAY TER ST AUGUSTINE FL 320842568, ST AUGUSTINE, FL 32084-2568

Mortgage

Document Number	0047081621
Date	Apr 15, 2019
Book Page	004708/001621
Instrument	25340

Lender

Name	PNC MTG
Type	Mortgage Company
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Apr 14, 2059

Interest

Rate Type	Fixed Rate
Rate	4.12%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$139,165 (+2.7%)	$169,159 (-5.73%) Land $38,000 Building $131,159
2025	$1,574.00 (+16.42%) Homeowner's exemption Widower's exemption	$135,506 (+2.9%)	$179,447 (-7.08%) Land $36,000 Building $143,447
2024	$1,352.00 (-7.65%) Homeowner's exemption Widower's exemption	$131,687 (-1.98%)	$193,118 (-1.76%) Land $47,500 Building $145,618
2023	$1,464.00 (+4.05%) Homeowner's exemption	$134,349 (+3%)	$196,585 (+7.98%) Land $47,500 Building $149,085
2022	$1,407.00 Homeowner's exemption	$130,436	$182,058 Land $39,200 Building $142,858

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	11 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 Risk	Moderate above 44% of the US · lower than 85% of Florida
Wildfire Likelihood	0.06% 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.

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 209 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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