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

St. Johns County property record for 655 Drake Bay Ter, Saint Augustine, FL 32084 · Last verified June 2026

Property Summary

Property TypeTownhouse
Details2 bd · 2.5 ba · 1,065 sqft · built 2008
Lot Size0.04 acres (1,742 sqft)
Owner2 Individual Names on File
Last Sale$205,000 (Dec 2022)
Tax Bill$2,377 (2025)
Deeds & MortgagesJan 2023 Mortgage
Dec 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN086541-2306

Property Details

APN / Parcel Number

Primary APN086541-2306

Interior

Bedrooms2 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures10 Plumbing Fixtures
Stories2 Stories
Building Area1,065 sqft Living Area
1st Floor Area480 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

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

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address655 DRAKE BAY TER
CitySAINT AUGUSTINE
StateFL
Zip32084-2568
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Townhouse
Legal Description54/70-73 PALOMA SUBDIVISION LOT 6 BLOCK 23 OR5682/1843
Legal Range29E
Legal Township07S
Legal Section05
Legal SubdivisionPALOMA SUBDIVISION
Legal Block23
Legal Lot Number6
JurisdictionST JOHNS FL
Township / Civil DivisionST. AUGUSTINE
Census Block Group4
Census Block4012
Census Tract20904

Owner

Source: St. Johns County records · APN 086541-2306

Assessment roll updated April 13, 2026 · Last verified June 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 Address744 OLD HICKORY FOREST RD, SAINT AUGUSTINE, FL 32084-5890
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 24, 2023Deed of Trust, Mortgage · Conventional Mortgage
BANK OF ENGLAND
Dec 20, 2022Warranty Deed, Transfer · Conventional Mortgage
BANK OF ENGLAND

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 20, 2022 · Amount on Record
Deed SaleDec 20, 2022 · Amount on Record
Prior SaleAug 04, 2008 · Amount on Record
Deed Document Number2022114240
Deed Book / Page5682 / 1843
Record UpdatedSep 20, 2026

January 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address655 DRAKE BAY TER, SAINT AUGUSTINE, FL 32084-2568
Transaction TypeMortgage
Record UpdatedOct 23, 2025
Title CompanyKNIGHT BARRY TITLE SOLUTIONS INC, KNIGHT BARRY TITLE SLN INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address744 S HERITAGE CREEK WAY, ST AUGUSTINE, FL 32084-6528

Mortgage

Document Number0056981278
DateJan 24, 2023
Book Page5698/1278
Instrument2023005873
Lender
NameBANK OF ENGLAND
TypeBank
AddressLITTLE ROCK, AR 72201
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJan 01, 2053

December 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateDec 20, 2022
Property Address655 DRAKE BAY TER, SAINT AUGUSTINE, FL 32084-2568
Document Number0056821843
Book / Page5682 / 1843
Map ReferenceMB 54 PG 70-73
Instrument DateDec 19, 2022
Instrument2022114240
Transaction TypeTransfer
Record UpdatedOct 23, 2025
Title CompanyKNIGHT BARRY TITLE SOLUTIONS INC, KNIGHT BARRY TITLE SLN INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,435.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 1607, YABUCOA XX

Transferred To (Grantee/Buyer)

NameVerified Name
Address744 S HERITAGE CREEK WAY, SAINT AUGUSTINE, FL 32084-6528

Mortgage

Document Number0056821849
DateDec 20, 2022
Instrument5682/1849
Lender
NameBANK OF ENGLAND
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified June 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$144,013 (-4.69%) Land $38,000 Building $106,013$144,013 (-4.69%) Land $38,000 Building $106,013
2025$2,377.00 (+2.24%)$151,102 (-8.07%)$151,102 (-8.07%) Land $36,000 Building $115,102
2024$2,325.00 (-2.52%)$164,370 (-1.66%)$164,370 (-1.66%) Land $47,500 Building $116,870
2023$2,385.00 (+20.82%)$167,153 (+9.17%)$167,153 (+9.17%) Land $47,500 Building $119,653
2022$1,974.00$153,108$153,108 Land $39,200 Building $113,908

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090209044, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 11 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies11 in force
7 of 11 on primary residences

Wildfire

Wildfire RiskModerate
above 47% of the US · above 18% of Florida
Wildfire LikelihoodAbout 1 in 1,587 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

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