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

St. Johns County property record for 654 Drake Bay Ter, Saint Augustine, FL 32084

Property Summary

Property TypeTownhouse
Details2 bd · 2.5 ba · 1,125 sqft · built 2008
Lot Size0.04 acres (1,742 sqft)
Owner2 Individual Names on Record
Last Sale$200,000 (Aug 2024)
Tax Bill$1,949 (2025)
Deeds & MortgagesAug 2024 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN086541-1904

Property Details

APN / Parcel Number

Primary APN086541-1904

Interior

Bedrooms2 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures10 Plumbing Fixtures
Stories2 Stories
Building Area1,125 sqft Living Area
Gross Area1,202 sqft
1st Floor Area510 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2008
Effective Year BuiltEffective 2008
Exterior MaterialStucco
Construction TypeWood
Foundation TypeConcrete
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area1,742 sqft (0.04 acres)
PorchFinished Screened Porch
Porch Area77 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address654 DRAKE BAY TER
CitySAINT AUGUSTINE
StateFL
Zip32084-2567
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Townhouse
Local Zoning CodePUD
Legal Description54/70-73 PALOMA SUBDIVISION LOT 4 BLOCK 19 OR6012/1630
Legal Range29E
Legal Township07S
Legal Section05
Legal SubdivisionPALOMA SUBDIVISION
Legal Block19
Legal Lot Number4
JurisdictionST JOHNS FL
Township / Civil DivisionST. AUGUSTINE
Census Block Group4
Census Block4016
Census Tract20904

Owner

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

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

Owner of Record2 Individual Names on Record
Mailing Address654 DRAKE BAY TER, SAINT AUGUSTINE, FL 32084-2567
OccupancyOwner Occupied
Owner TypeIndividual
VestingMarried Couple

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 30, 2024 · Amount on Record
Deed SaleAug 30, 2024 · Amount on Record
Prior SaleJan 21, 2009 · Amount on Record
Deed Document Number202469036
Deed Book / Page6012 / 1630
Record UpdatedOct 29, 2026

August 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateAug 30, 2024
Property Address654 DRAKE BAY TER, SAINT AUGUSTINE, FL 32084-2567
Document Number0060121630
Book / Page6012 / 1630
Map ReferenceMB 54 PG 70-73
Instrument DateAug 29, 2024
Instrument2024069036
Transaction TypeTransfer
Record UpdatedOct 23, 2025
Title CompanyGIBRALTAR TITLE SERVICES LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,400.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address15 WESTPARK ROAD, CANADA XX

Transferred To (Grantee/Buyer)

NameVerified Name
Address654 DRAKE BAY TER, SAINT AUGUSTINE, FL 32084-2567

Mortgage

Document Number2024069037
DateAug 30, 2024
Instrument2024069037
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2054

Mortgage

Document Number0060121656
DateAug 30, 2024
Book Page6012/1656
Instrument2024069038
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountySt. Johns County
Unified School DistrictSt. Johns County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$150,557 (-4.84%) Land $38,000 Building $112,557$150,557 (-4.84%) Land $38,000 Building $112,557
2025$1,949.00 (-14.89%) Homeowner's exemption$158,208 (-7.8%)$158,208 (-7.8%) Land $36,000 Building $122,208
2024$2,290.00 (+2.78%) Homeowner's exemption$171,585 (-1.69%)$171,585 (-1.69%) Land $47,500 Building $124,085
2023$2,228.00 (+8.47%)$174,539 (+8.99%)$174,539 (+8.99%) Land $47,500 Building $127,039
2022$2,054.00$160,140$160,140 Land $39,200 Building $120,940

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 11 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies11 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 RiskModerate
above 47% of the US · lower than 82% of Florida
Wildfire Likelihood0.06% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemSJCU-CR214 MAINLAND WTP
serves 66,953 people · EPA ID FL2554447
Water SourceGroundwater
Last State InspectionAug 2025
LeadUnder 1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting6
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

ProviderMax 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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