654 Summer Pl, Ponte Vedra Beach, FL 32082 Property Records

St. Johns County property record for 654 Summer Pl, Ponte Vedra Beach, FL 32082

Property Summary

Property Type	Condominium
Details	1 bd · 1 ba · 540 sqft · built 1982
Owner	2 Individual Names on File
Last Sale	$390,000 (May 2023)
Tax Bill	$4,154 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Apr 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`066180-0654`

Property Details

APN / Parcel Number

Primary APN	`066180-0654`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Building Area	540 sqft Living Area
1st Floor Area	540 sqft

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982

Location & Zoning

Street Address	654 SUMMER PL
City	PONTE VEDRA BEACH
State	FL
Zip	32082-3430
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	(OR524/722) BEACH CLUB VILLAS CONDO UNIT 654 OR5764/1545
Legal Range	29E
Legal Township	04S
Legal Section	02
Legal Subdivision	BEACH CLUB VILLAS
Legal Lot Number	654
Legal Unit	654
Jurisdiction	ST JOHNS FL
Township / Civil Division	PONTE VEDRA
Census Block Group	3
Census Block	3002
Census Tract	20713

Owner

654 Summer Pl, a condominium, is owned by two individuals who bought it in May 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	512 GLEN AVE, PALMER LAKE, CO 80133
Owner Type	Individual
Vesting	Limited Liability Partnership

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
May 26, 2023	Warranty Deed, Transfer · Conventional Mortgage EMM LOANS LLC
Apr 11, 2022	Warranty Deed, Transfer
Jan 20, 2021	Warranty Deed, Transfer ATTORNEYS' TITLE SERVICES LLC, ATTORNEYS' TITLE SVCS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2023 · Amount on File
Deed Sale	May 26, 2023 · Amount on File
Prior Sale	Jan 20, 2021 · Amount on File
Deed Document Number	202340863
Deed Book / Page	5764 / 1545
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	May 26, 2023
Property Address	654 SUMMER PL, PONTE VEDRA BEACH, FL 32082-3430
Document Number	0057641545
Book / Page	5764 / 1545
Map Reference	MB 524 PG 722
Instrument Date	May 24, 2023
Instrument	2023040863
Transaction Type	Transfer
Record Updated	Jun 12, 2023
Title Company	FIRST COAST TITLE SERVICES INC, FIRST COAST TITLE SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,730.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	111 ALTAMAHAW AVE, BLACK MOUNTAIN, NC 28711-2701

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	512 GLENWAY ST, PALMER LAKE, CO 80133

Mortgage

Document Number	0057641547
Date	May 26, 2023
Instrument	5764/1547

Lender

Name	EMM LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Apr 11, 2022
Property Address	654 SUMMER PL, PONTE VEDRA BEACH, FL 32082-3430
Document Number	0055350680
Book / Page	5535 / 680
Map Reference	MB 524 PG 722
Instrument Date	Feb 22, 2022
Instrument	2022037622
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1863 POPLAR GAP RD, 1863, HOT SPRINGS, NC 28743-7307

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1863 POPLAR GAP RD, HOT SPRINGS, NC 28743-7307

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jan 20, 2021
Property Address	654 SUMMER PL, PONTE VEDRA BEACH, FL 32082-3430
Document Number	0051570130
Book / Page	005157 / 000130
Instrument Date	Jan 20, 2021
Instrument	7079
Transaction Type	Transfer
Record Updated	Feb 2, 2021
Title Company	ATTORNEYS' TITLE SERVICES LLC, ATTORNEYS' TITLE SVCS LLC

Transaction

Amount	Amount on Record
Tax	$1,792.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1863 POPLAR GAP RD HOT SPRINGS NC 287437307, HOT SPRINGS, NC 28743-7307

Tax Assessment & Valuation

The 2025 property tax bill for 654 Summer Pl was $4,154, up 4.2% 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		$308,460 (-) Building $308,460	$308,460 (-) Building $308,460
2025	$4,154.00 (+4.16%)	$308,460 (-3%)	$308,460 (-3%)
2024	$3,988.00 (-4.82%)	$318,000 (-3.68%)	$318,000 (-3.68%)
2023	$4,190.00 (+39.34%)	$330,150 (+40.49%)	$330,150 (+40.49%)
2022	$3,007.00	$235,000	$235,000

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

Flood

FEMA maps place 654 Summer Pl in Zone X, an area of minimal flood risk, within 100 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 VE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 275 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	732 units insured incl. 457 condo units
Nearby Flood Claims	18 (2016–2022)
Claims Outside the SFHA	4 of 18
Most Recent Claim	Nov 2022 · Hurricane Nicole
Claims by Event	Hurricane Irma, Sep 2017 · 6 claims Hurricane Matthew, Oct 2016 · 10 claims

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 654 Summer Pl is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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-PONTE VEDRA WS private · serves 15,565 people · EPA ID FL2554343
Water Source	Groundwater
Last State Inspection	Dec 2024
Also Mapped Here	SJCU-CR214 MAINLAND WTP
Lead	Under 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	10 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 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: IQ Fiber, Verizon.

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