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654 Mackenzie Cir, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 654 Mackenzie Cir, Saint Augustine, FL 32092 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2004
Square Footage1,372 sqft Living Area
Lot Size7,840 sqft (0.18 acres)
OccupancyOwner Occupied
Last Sale$305,000 (2025)
Tax Bill$3,866.00 (2025)

Property Details

APN / Parcel Number

Primary APN028821-3720

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures9 Plumbing Fixtures
Building Area1,372 sqft Living Area
Gross Area1,812 sqft Gross Area
1st Floor1,372 sqft 1st Floor
Stories1 Stories
Primary FlooringWood Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2004
Effective Year BuiltEffective 2004
Exterior MaterialAluminum/Vinyl Exterior
Construction TypeWood Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area7,840 sqft (0.18 acres)
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area440 sqft Garage
Patio Area102 sqft Patio
Porch Area40 sqft Porch

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemForced Air with Air Conditioning Heating

Location & Zoning

Street Address654 MACKENZIE CIR
CitySAINT AUGUSTINE
StateFL
Zip32092-3451
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal Description46/53-61 MEADOWS AT ST JOHNS PHASE 3 LOT 372 OR6273/228
Legal Range28E
Legal Township06S
Legal Section38
Legal SubdivisionMEADOWS AT ST. JOHNS PHASE 3
Legal Phase3
Legal Block4
Legal Lot Number372
JurisdictionST JOHNS FL
Minor Civil DivisionST. AUGUSTINE
Census Blockgroup4
Census Block4012
Census Tract20905

Owner

Source: St. Johns County records · APN 028821-3720

Assessment roll updated April 13, 2026 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address654 MACKENZIE CIR, SAINT AUGUSTINE, FL 32092-3451
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Dec 15, 2025Special Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
FIRST COAST MORTGAGE FUNDING LLC
Nov 26, 2025Special Warranty Deed, Transfer
UNKNOWN, BCHH LLC
Mar 01, 2022Intrafamily Transfer, Transfer · Commercial Mortgage
GERMAN AMERICAN CAPITAL CORPORATION
May 31, 2019Warranty Deed, Transfer · Conventional Mortgage
FIRST FEDERAL BANK
Apr 13, 2018Loan Modification, Mortgage · Conventional Mortgage with Private Mortgage Insurance (PMI)
QUICKEN LNS

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 15, 2025 · Amount on Record
Deed SaleDec 15, 2025 · Amount on Record
Prior SaleNov 26, 2025 · Amount on Record
Deed Doc Number2025101428
Deed Book / Page6273 / 228
Record RefreshedJun 08, 2026

December 2025: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionST JOHNS FL
Recording DateDec 15, 2025
Property Address654 MACKENZIE CIR, SAINT AUGUSTINE, FL 32092-3451
Document Number0062730228
Book / Page6273 / 228
Map ReferenceMB 46 PG 53
Instrument DateDec 08, 2025
Instrument2025101428
Transaction TypeTransfer
Record UpdatedDec 26, 2025
Title CompanyUNKNOWN, BCHH

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,135.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address3903 S CONGRESS AVE # AVE40298, AVE40298, AUSTIN, TX 78704-0201

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address654 MACKENZIE CIR, ST AUGUSTINE, FL 32092-3451
InvestorPossibly a Property Investor

Mortgage

Document Number0006273232
DateDec 15, 2025
Instrument6273/232
Lender
NameFIRST COAST MORTGAGE FUNDING LLC
TypeMortgage Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueJan 01, 2056

November 2025: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionST JOHNS FL
Recording DateNov 26, 2025
Property Address654 MACKENZIE CIR, SAINT AUGUSTINE, FL 32092-3451
Document Number0062631725
Book / Page6263 / 1725
Map ReferenceMB 46 PG 53-61
Instrument DateNov 25, 2025
Instrument2025096569
Transaction TypeTransfer
Record UpdatedDec 10, 2025
Title CompanyUNKNOWN, BCHH LLC

Transaction

AmountAmount Recorded
Tax$2,167.90
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address401 CONGRESS AVE, AUSTIN, TX 78701-3542

Transferred To (Grantee/Buyer)

NameVerified Name
Address401 CONGRESS AVE, AUSTIN, TX 78701-3542
InvestorPossibly a Property Investor

March 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionST JOHNS FL
Recording DateMar 01, 2022
Property Address654 MACKENZIE CIR, SAINT AUGUSTINE, FL 32092-3451
Document Number0055041012
Book / Page5504 / 1012
Map ReferenceMB 46 PG 53-61
Instrument DateFeb 25, 2022
Instrument2022022333
Transaction TypeTransfer
Record UpdatedMar 15, 2022
Title CompanyBCHH INC

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Interfamily Transfer
  • Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

NameVerified Name
Address5001 PLAZA ON THE LK # LK200, 5001, AUSTIN, TX 78746-1070

Transferred To (Grantee/Buyer)

NameVerified Name
Address5001 PLAZA ON THE LK STE 200, 200, AUSTIN, TX 78746-1053
InvestorPossibly a Property Investor

Mortgage

Document Number0055041018
DateMar 01, 2022
Instrument5504/1018
Lender
NameGERMAN AMERICAN CAPITAL CORPORATION
TypeNon-Lending Institution
Agreement
TypeCommercial Mortgage
AmountAmount Recorded
Term60 Months
DueMar 09, 2027

May 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateMay 31, 2019
Property Address654 MACKENZIE CIR, SAINT AUGUSTINE, FL 32092-3451
Document Number0047321635
Book / Page4732 / 1635
Map ReferenceMB 46 PG 53-61
Instrument DateMay 30, 2019
Instrument2019037684
Transaction TypeTransfer
Record UpdatedMay 02, 2022
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,536.50
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address171 WHISTLING RUN, 171, SAINT AUGUSTINE, FL 32092-9365

Transferred To (Grantee/Buyer)

NameVerified Name
Address654 MACKENZIE CIR, SAINT AUGUSTINE, FL 32092-3451

Mortgage

Document Number0047321637
DateMay 31, 2019
Instrument4732/1637
Lender
NameFIRST FEDERAL BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2049

April 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionST JOHNS FL
Property Address654 MACKENZIE CIR, SAINT AUGUSTINE, FL 32092-3451
Document Number0045760849
Instrument DateApr 13, 2018
Transaction TypeMortgage
Record UpdatedJul 26, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address465 MACKENZIE CIR ST AUGUSTINE FL 320923436, ST AUGUSTINE, FL 32092-3436

Mortgage

Document Number0045760849
DateJul 06, 2018
Book Page004576/000849
Instrument48242
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226
Agreement
TypeConventional Mortgage with Private Mortgage Insurance (PMI)
AmountAmount Recorded
Term360 Months
DueJul 05, 2048
Interest
Rate TypeAdjustable Rate
Rate3.87%

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountySt. Johns County
Unified School DistrictSt. 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.

YearTax BillAssessed ValueAssessed Market Value
2026$241,971 (-7.75%)$261,422 (-0.33%) Land $70,000 Building $191,422
2025$3,866.00 (+4.43%)$262,290 (-4.61%)$262,290 (-4.61%) Land $70,000 Building $192,290
2024$3,702.00 (-4.93%)$274,974 (-4.13%)$274,974 (-4.13%) Land $80,000 Building $194,974
2023$3,894.00 (+7.48%)$286,807 (+8.36%)$286,807 (+8.36%) Land $82,790 Building $204,017
2022$3,623.00$264,669$264,669 Land $73,920 Building $190,749

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft

Wildfire

Wildfire RiskModerate
above 54% of the US · above 25% of Florida
Wildfire LikelihoodAbout 1 in 1,099 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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