651 Los Caminos St, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 651 Los Caminos St, Saint Augustine, FL 32095

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,782 sqft · built 2014
Lot Size	0.26 acres (11,325 sqft)
Owner	2 Individual Names on File
Last Sale	$509,000 (Aug 2026)
Tax Bill	$5,345 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Feb 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`071623-0300`

Property Details

APN / Parcel Number

Primary APN	`071623-0300`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	14 Plumbing Fixtures
Stories	1 Story
Building Area	2,782 sqft Living Area
Gross Area	3,586 sqft
1st Floor Area	2,782 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,325 sqft (0.26 acres)
Garage Type	Attached
Garage Area	636 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	204 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	651 LOS CAMINOS ST
City	SAINT AUGUSTINE
State	FL
Zip	32095-7418
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	70/5-6 LAS CALINAS PARCEL 3A UNIT 2 PHASE 3A LOT 30 OR5897/1621
Legal Range	29E
Legal Township	05S
Legal Section	32
Legal Subdivision	LAS CALINAS PARCEL 3A UNIT 2 PHASE 3A
Legal Phase	3A
Legal Block	1
Legal Lot Number	30
Legal Unit	2
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	3
Census Block	3021
Census Tract	20606

Owner

651 Los Caminos St is owned and occupied by two individuals who bought it in August 2026.

Source: St. Johns County records, as of August 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	651 LOS CAMINOS ST, SAINT AUGUSTINE, FL 32095-7418
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Date	Document
Aug 17, 2026	Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Feb 8, 2024	Warranty Deed, Transfer · Conventional Mortgage AMERIS BANK
Aug 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Sep 7, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2026 · Amount on File
Deed Sale	Aug 17, 2026 · Amount on File
Prior Sale	Feb 8, 2024 · Amount on File
Deed Document Number	202670174
Deed Book / Page	6421 / 604
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Aug 17, 2026
Property Address	651 LOS CAMINOS ST, SAINT AUGUSTINE, FL 32095-7418
Document Number	0000070174
Book / Page	6421 / 604
Instrument Date	Aug 14, 2026
Instrument	202670174
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TRUST

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$359,863.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	651 LOS CAMINOS ST, SAINT AUGUSTINE, FL 32095-7418

Mortgage

Document Number	0000070175,
Date	Aug 17, 2026
Instrument	202670175

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Feb 8, 2024
Property Address	651 LOS CAMINOS ST, SAINT AUGUSTINE, FL 32095-7418
Document Number	0058971621
Book / Page	5897 / 1621
Map Reference	MB 70 PG 5&6
Instrument Date	Jan 19, 2024
Instrument	2024009945
Transaction Type	Transfer
Record Updated	Feb 21, 2024
Title Company	GOLDEN DOG TITLE AND TRUST

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,032.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	50 LEDGEVIEW WAY APT 2208, 2208, WRENTHAM, MA 02093-1924

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	651 LOS CAMINOS ST, ST AUGUSTINE, FL 32095-7418

Mortgage

Document Number	0058971623
Date	Feb 8, 2024
Instrument	5897/1623

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2054

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	651 LOS CAMINOS ST, SAINT AUGUSTINE, FL 32095-7418
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0050061329
Date	Aug 4, 2020
Book Page	5006/1329
Instrument	2020063639

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2050

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	651 LOS CAMINOS ST, SAINT AUGUSTINE, FL 32095-7418
Document Number	0044341856
Book / Page	004434 / 001856
Instrument Date	Sep 7, 2017
Transaction Type	Mortgage
Record Updated	Oct 4, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	651 LOS CAMINOS ST ST AUGUSTINE FL 320957418, ST AUGUSTINE, FL 32095-7418

Mortgage

Document Number	0044341856
Date	Sep 15, 2017
Book Page	004434/001856
Instrument	62937

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 14, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 651 Los Caminos St was $5,345 with a homeowner's exemption, down 16.4% 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		$421,949 (+2.7%)	$468,858 (-4.44%) Land $95,000 Building $373,858
2025	$5,345.00 (-16.42%) Homeowner's exemption	$410,856 (-16.1%)	$490,633 (+0.19%) Land $115,000 Building $375,633
2024	$6,395.00 (+91.01%)	$489,708 (+69.95%)	$489,708 (+2.44%) Land $110,000 Building $379,708
2023	$3,348.00 (+1.24%) Homeowner's exemption Widower's exemption	$288,153 (+3%)	$478,065 (+6.25%) Land $110,000 Building $368,065
2022	$3,307.00 Homeowner's exemption Widower's exemption	$279,760	$449,936 Land $95,200 Building $354,736

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

Flood

FEMA maps place 651 Los Caminos St 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 221 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	221 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

Wildfire risk around 651 Los Caminos St is moderate, ranking above 44% of the US, with a 0.07% annual chance of 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	0.07% 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-NORTHEAST UTILITIES WS serves 14,790 people · EPA ID FL2554475
Water Source	Purchased groundwater from JEA MAJOR GRID
Last State Inspection	Mar 2024
Also Mapped Here	SJCU-CR214 MAINLAND WTP
Lead	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	3 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 203 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: Hotwire Communications, T-Mobile.

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