645 N Legacy Trl, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 645 N Legacy Trl, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 2,396 sqft · built 2015
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Trust Names on File
Last Sale	$380,700 (Jan 2015)
Tax Bill	$3,268 (2025)
Deeds & Mortgages	Dec 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`029221-1850`

Property Details

APN / Parcel Number

Primary APN	`029221-1850`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	14 Plumbing Fixtures
Stories	1 Story
Building Area	2,396 sqft Living Area
Gross Area	3,072 sqft
1st Floor Area	2,396 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
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 Screened Porch
Porch Area	331 sqft
Patio Area	149 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	645 N LEGACY TRL
City	SAINT AUGUSTINE
State	FL
Zip	32092-2713
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	54/15-29 CASCADES AT WORLD GOLF VILLAGE LOT 185 OR3978/255 & 5871/1103(Q/C)
Legal Range	28E
Legal Township	06S
Legal Section	03
Legal Subdivision	CASCADES AT WORLD GOLF VILLAGE
Legal Block	3
Legal Lot Number	185
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	3
Census Block	3000
Census Tract	20908

Owner

645 N Legacy Trl is owner-occupied and held in a trust since December 2023.

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

Owner of Record	2 Trust Names on File
Mailing Address	645 N LEGACY TRL, SAINT AUGUSTINE, FL 32092-2713
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 21, 2015 · Amount on File
Deed Sale	Jan 21, 2015 · Amount on File
Deed Document Number	20153603
Deed Book / Page	3978 / 255
Last Transfer Date	Dec 14, 2023
Transfer Doc	0058711103
Record Updated	Oct 29, 2026

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOHNS FL
Recording Date	Dec 14, 2023
Property Address	645 N LEGACY TRL, SAINT AUGUSTINE, FL 32092-2713
Document Number	0058711103
Book / Page	5871 / 1103
Map Reference	MB 54 PG 15-29
Instrument Date	Dec 14, 2023
Instrument	2023097166
Transaction Type	Transfer
Record Updated	Dec 29, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	645 N LEGACY TRL, SAINT AUGUSTINE, FL 32092-2713

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	645 N LEGACY TRL, SAINT AUGUSTINE, FL 32092-2713

Tax Assessment & Valuation

The 2025 property tax bill for 645 N Legacy Trl was $3,268 with exemptions applied, up 10.9% from the year before.

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		$268,703 (+2.7%)	$387,350 (-8.51%) Land $80,000 Building $307,350
2025	$3,268.00 (+10.89%) Homeowner's exemption Widower's exemption	$261,639	$423,381 Land $86,000 Building $337,381
2024	$2,947.00 (+2.04%)
2023	$2,888.00 (+3.14%) Homeowner's exemption	$246,859 (+3%)	$403,296 (+3.45%) Land $82,000 Building $321,296
2022	$2,800.00 Homeowner's exemption	$239,669	$389,854 Land $78,400 Building $311,454

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 645 N Legacy Trl in Zone X, an area of minimal flood risk, within 500 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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.

Wildfire

Wildfire risk around 645 N Legacy Trl is high, ranking above 74% of the US, with a 0.2% annual chance of wildfire.

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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