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

St. Johns County property record for 647 Drake Bay Ter, Saint Augustine, FL 32084 · Last verified June 2026

Property Summary

Property Type	Townhouse
Details	2 bd · 2.5 ba · 1,095 sqft · built 2008
Lot Size	0.04 acres (1,742 sqft)
Owner	2 Individual Names on File
Last Sale	$150,000 (May 2021)
Tax Bill	$988 (2025)
Deeds & Mortgages	Aug 2025 Transfer May 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`086541-2302`

Property Details

APN / Parcel Number

Primary APN	`086541-2302`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	1,095 sqft Living Area
Gross Area	1,172 sqft
1st Floor Area	495 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Stucco
Construction Type	Wood
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	647 DRAKE BAY TER
City	SAINT AUGUSTINE
State	FL
Zip	32084-2568
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	54/70-73 PALOMA SUBDIVISION LOT 2 BLOCK 23 OR5257/867 & 6204/385 (L/E)
Legal Range	29E
Legal Township	07S
Legal Section	05
Legal Subdivision	PALOMA SUBDIVISION
Legal Block	23
Legal Lot Number	2
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 · APN 086541-2302

Assessment roll updated April 13, 2026 · Last verified June 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 File
Mailing Address	647 DRAKE BAY TER, SAINT AUGUSTINE, FL 32084-2568
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2025	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
May 05, 2021	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Aug 13, 2019	Loan Modification, Mortgage · FHA Mortgage FIFTH THIRD BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 05, 2021 · Amount on Record
Deed Sale	May 05, 2021 · Amount on Record
Prior Sale	May 05, 2015 · Amount on Record
Deed Document Number	202150643
Deed Book / Page	5257 / 867
Last Transfer Date	Aug 11, 2025
Transfer Doc	0062040385
Record Updated	Sep 20, 2026

August 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOHNS FL
Recording Date	Aug 18, 2025
Property Address	647 DRAKE BAY TER, SAINT AUGUSTINE, FL 32084-2568
Document Number	0062040385
Book / Page	6204 / 385
Map Reference	MB 54 PG 70-73
Instrument Date	Aug 11, 2025
Instrument	2025066512
Transaction Type	Transfer
Record Updated	Oct 23, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	647 DRAKE BAY TER, ST AUGUSTINE, FL 32084-2568

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	757 AQUA SURF CT, JACKSONVILLE, FL 32225-0802

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	May 05, 2021
Property Address	647 DRAKE BAY TER, SAINT AUGUSTINE, FL 32084-2568
Document Number	0052570867
Book / Page	5257 / 867
Map Reference	MB 54 PG 70-73
Instrument Date	Apr 30, 2021
Instrument	2021050643
Transaction Type	Transfer
Record Updated	Oct 23, 2025
Title Company	BLUE OCN TITLE, BLUE OCEAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	411 DEL MONTE DR, ST AUGUSTINE, FL 32084-1909

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	647 DRAKE BAY TER, ST AUGUSTINE, FL 32084-2568

Mortgage

Document Number	0005257869
Date	May 05, 2021
Instrument	5257/869

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2051

August 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST JOHNS FL
Property Address	647 DRAKE BAY TER, SAINT AUGUSTINE, FL 32084-2568
Document Number	0047880061
Instrument Date	Aug 13, 2019
Transaction Type	Mortgage
Record Updated	Sep 19, 2019
Title Company	SERVICELINK LOAN MOD SOLUTIONS, SERVICELINK LN MOD SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	647 DRAKE BAY TER ST AUGUSTINE FL 320842568, ST AUGUSTINE, FL 32084-2568

Mortgage

Document Number	0047880061
Date	Aug 30, 2019
Book Page	004788/000061
Instrument	64750

Lender

Name	FIFTH THIRD BK
Type	Bank
Address	WILMINGTON, OH 45177

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 29, 2049

Interest

Rate Type	Fixed Rate
Rate	4.5%

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified June 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$89,564 (+2.7%)	$147,670 (-4.77%) Land $38,000 Building $109,670
2025	$988.00 (+20.05%) Homeowner's exemption	$87,209 (+2.9%)	$155,074 (-7.91%) Land $36,000 Building $119,074
2024	$823.00 (+2.88%) Homeowner's exemption	$84,751 (+3%)	$168,402 (-1.68%) Land $47,500 Building $120,902
2023	$800.00 (+5.68%) Homeowner's exemption	$82,283 (+3%)	$171,281 (+9.07%) Land $47,500 Building $123,781
2022	$757.00 Homeowner's exemption	$79,886	$157,039 Land $39,200 Building $117,839

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090209044, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 11 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	11 in force

Wildfire

Wildfire Risk	Moderate above 45% of the US · above 15% of Florida
Wildfire Likelihood	About 1 in 1,695 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 209 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
AT&T	Fiber	1,000 / 1,000
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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