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

St. Johns County property record for 647 Back Creek Dr, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,908 sqft · built 2022
Lot Size	0.28 acres (12,196 sqft)
Owner	2 Individual Names on Record
Last Sale	$870,000 (Apr 2025)
Tax Bill	$13,013 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit Oct 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`029011-8280`

Property Details

APN / Parcel Number

Primary APN	`029011-8280`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	15 Plumbing Fixtures
Stories	1 Story
Building Area	2,908 sqft Living Area
Gross Area	3,588 sqft
1st Floor Area	2,908 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,196 sqft (0.28 acres)
Garage Type	Attached
Garage Area	680 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	647 BACK CREEK DR
City	SAINT AUGUSTINE
State	FL
Zip	32092-0112
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	107/24-37 WHISPER CREEK PHASE 6 LOT 828 OR6134/1825
Legal Range	28
Legal Township	06
Legal Section	38
Legal Subdivision	WHISPER CREEK PHASE 6
Legal Phase	6
Legal Block	1
Legal Lot Number	828
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2005
Census Tract	20905

Owner

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	2 Individual Names on Record
Mailing Address	647 BACK CREEK DR, SAINT AUGUSTINE, FL 32092-0112
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 6, 2024	Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NA
Oct 28, 2022	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage REGIONS BANK
Feb 1, 2022	Special Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 22, 2025 · Amount on Record
Deed Sale	Apr 22, 2025 · Amount on Record
Prior Sale	Oct 28, 2022 · Amount on Record
Deed Document Number	202530980
Deed Book / Page	6134 / 1825
Record Updated	Jun 8, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	647 BACK CREEK DR, SAINT AUGUSTINE, FL 32092-0112
Transaction Type	Mortgage
Record Updated	Mar 8, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	647 BACK CREEK DR, SAINT AUGUSTINE, FL 32092-0112

Mortgage

Document Number	0058961422
Date	Feb 6, 2024
Book Page	5896/1422
Instrument	2024009349

Lender

Name	SOUTH STATE BANK NA
Type	Bank
Address	33216

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	59 Months
Due	Jan 20, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2022: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Oct 28, 2022
Property Address	647 BACK CREEK DR, SAINT AUGUSTINE, FL 32092-0112
Document Number	0056561288
Book / Page	5656 / 1288
Map Reference	MB 107 PG 24-37
Instrument Date	Oct 27, 2022
Instrument	2022100431
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 12, 2024
Title Company	SEA GLASS TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,710.90
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	200 BUSINESS PARK CIR # CIR105, CIR105, ST AUGUSTINE, FL 32095-8822

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	647 BACK CREEK DR, SAINT AUGUSTINE, FL 32092-0112

Mortgage

Document Number	0056561290
Date	Oct 28, 2022
Instrument	5656/1290

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	Nov 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.37%
Max Rate At Change	9.87%
Index	Other
Max Rate	9.87%

February 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Feb 1, 2022
Property Address	647 BACK CREEK DR, SAINT AUGUSTINE, FL 32092-0112
Document Number	0054820850
Book / Page	5482 / 850
Map Reference	MB 107 PG 24-37
Instrument Date	Jan 31, 2022
Instrument	2022011308
Transaction Type	Transfer
Record Updated	Feb 12, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$1,736.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7807 BAYMEADOWS RD E # E205, E205, JACKSONVILLE, FL 32256-9664

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	200 BUSINESS PARK CIR STE 105, 105, ST AUGUSTINE, FL 32095-8824
Investor	Possibly a Property Investor

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		$552,315 (-22.52%)	$686,526 (-12.61%) Land $160,000 Building $526,526
2025	$13,013.00 (+8.02%) Homeowner's exemption	$712,812 (+2.9%)	$785,593 (-2.26%) Land $155,000 Building $630,593
2024	$12,047.00 (+7.13%) Homeowner's exemption	$692,723 (+11.26%)	$803,742 (+14.49%) Land $130,000 Building $673,742
2023	$11,245.00 (+111.89%) Homeowner's exemption	$622,595 (+363.24%)	$702,010 (+422.33%) Land $101,000 Building $601,010
2022	$5,307.00	$134,400	$134,400 Land $134,400

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

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 29 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	29 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 46% of the US · lower than 83% of Florida
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

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 235 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

Cell Coverage

5G (outdoors only) and 4G LTE

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