St. Johns County property record for 654 Morgans Treasure Rd, Saint Augustine, FL 32084 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2023 |
| Square Footage | 1,596 sqft Living Area |
| Lot Size | 6,534 sqft (0.15 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $384,900 (2023) |
| Tax Bill | $3,854.00 (2025) |
| Primary APN | 095601-0590 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Building Area | 1,596 sqft Living Area |
| Gross Area | 2,016 sqft Gross Area |
| 1st Floor | 1,596 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Concrete Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 6,534 sqft (0.15 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 420 sqft Garage |
| Porch Area | 80 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Street Address | 654 MORGANS TREASURE RD |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32084-9233 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 108/1-35 MORGANS COVE LOT 59 OR5810/130 |
| Legal Range | 29 |
| Legal Township | 07 |
| Legal Section | 28 |
| Legal Subdivision | MORGANS COVE |
| Legal Block | 1 |
| Legal Lot Number | 59 |
| Jurisdiction | ST JOHNS FL |
| Minor Civil Division | ST. AUGUSTINE |
| Census Blockgroup | 3 |
| Census Block | 3000 |
| Census Tract | 21003 |
Source: St. Johns County records · APN 095601-0590
Assessment roll updated April 13, 2026 · Last verified August 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 | 654 MORGANS TREASURE RD, SAINT AUGUSTINE, FL 32084-9233 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Husband And Wife |
| Date | Document |
|---|---|
| Jul 13, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Aug 15, 2023 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage LOANDEPOT.COM LLC |
| Sep 16, 2022 | Special Warranty Deed, Transfer EMPOWER TITLE, EMPOWER TITLE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 15, 2023 · Amount on Record |
| Deed Sale | Aug 15, 2023 · Amount on Record |
| Deed Doc Number | 202364692 |
| Deed Book / Page | 5810 / 130 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jul 13, 2026 |
| Property Address | 654 MORGANS TREASURE RD, SAINT AUGUSTINE, FL 32084-9233 |
| Document Number | 0000059682 |
| Book / Page | 6400 / 698 |
| Instrument Date | Jul 08, 2026 |
| Instrument | 202659682 |
| Transaction Type | Mortgage |
| Record Updated | Jul 23, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 654 MORGANS TREASURE RD, SAINT AUGUSTINE, FL 32084-9233 |
| Document Number | 0000059682, |
|---|---|
| Date | Jul 13, 2026 |
| Book Page | 6400/698 |
| Instrument | 202659682 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 01, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.52% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Aug 15, 2023 |
| Property Address | 654 MORGANS TREASURE RD, SAINT AUGUSTINE, FL 32084-9233 |
| Document Number | 0058100130 |
| Book / Page | 5810 / 130 |
| Map Reference | MB 108 PG 1 |
| Instrument Date | Aug 11, 2023 |
| Instrument | 2023064692 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Oct 23, 2025 |
| Title Company | EMPOWER TITLE, EMPOWER TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,694.30 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1450 LAKE ROBBINS DR # DR430, DR430, THE WOODLANDS, TX 77380-3258 |
| Name | Verified Name |
|---|---|
| Address | 654 MORGANS TREASURE RD, SAINT AUGUSTINE, FL 32084-9233 |
| Document Number | 0005810132 |
|---|---|
| Date | Aug 15, 2023 |
| Instrument | 5810/132 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2053 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Sep 16, 2022 |
| Property Address | 654 MORGANS TREASURE RD, SAINT AUGUSTINE, FL 32084-9233 |
| Document Number | 0056351418 |
| Book / Page | 5635 / 1418 |
| Map Reference | MB 108 PG 1 |
| Instrument Date | Sep 16, 2022 |
| Instrument | 2022089049 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2025 |
| Title Company | EMPOWER TITLE, EMPOWER TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $20,559.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 104 SEA GROVE MAIN ST, ST AUGUSTINE, FL 32080-6308 |
| Name | Verified Name |
|---|---|
| Address | 1450 LAKE ROBBINS DR STE 430, 430, THE WOODLANDS, TX 77380-3294 |
| Investor | Possibly a Property Investor |
Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $307,136 (+2.7%) | $311,239 (+3.49%) Land $70,000 Building $241,239 | |
| 2025 | $3,854.00 (+12.76%) Homeowner's exemption | $299,061 (+2.9%) | $300,757 (+3.48%) Land $70,000 Building $230,757 |
| 2024 | $3,418.00 (+341.6%) Homeowner's exemption | $290,633 (+378.41%) | $290,633 (+378.41%) Land $70,000 Building $220,633 |
| 2023 | $774.00 (-10.42%) | $60,750 (-9.6%) | $60,750 (-9.6%) Land $60,750 |
| 2022 | $864.00 | $67,200 | $67,200 Land $67,200 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | High above 73% of the US · above 57% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 259 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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