670 Polo Ct, Saint Augustine, FL 32086 Property Records

St. Johns County property record for 670 Polo Ct, Saint Augustine, FL 32086

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,860 sqft · built 1989
Lot Size	0.18 acres (7,840 sqft)
Owner	2 Individual Names on Record
Last Sale	$245,000 (Oct 2018)
Tax Bill	$2,140 (2025)
Deeds & Mortgages	Jan 2026 Second Mortgage Mar 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`284176-0020`

Property Details

APN / Parcel Number

Primary APN	`284176-0020`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,860 sqft Living Area
Gross Area	2,340 sqft
1st Floor Area	1,636 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1999
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,840 sqft (0.18 acres)
Lot Dimensions	105 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	234 sqft
Patio Area	196 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	670 POLO CT
City	SAINT AUGUSTINE
State	FL
Zip	32086-7610
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	14/40-46 ST AUG SHORES UNIT 6 LOT 2 BLK 176 OR4627/902
Legal Range	30E
Legal Township	08S
Legal Section	40
Legal Subdivision	ST. AUGUSTINE SHORES UNIT 6
Legal Block	176
Legal Lot Number	2
Legal Unit	6
Jurisdiction	ST JOHNS FL
Township / Civil Division	MATANZAS
Census Block Group	2
Census Block	2001
Census Tract	21211

Owner

Source: St. Johns County records, as of June 17, 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 Record
Mailing Address	670 POLO CT, SAINT AUGUSTINE, FL 32086-7610
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VYSTAR CU
Mar 17, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 16, 2018	Warranty Deed, Transfer · Conventional Mortgage VYSTAR CU
Sep 13, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Jul 23, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2018 · Amount on Record
Deed Sale	Oct 16, 2018 · Amount on Record
Deed Document Number	201874876
Deed Book / Page	4627 / 902
Prior Transfer Date	Sep 12, 2018
Prior Transfer Doc	0046111785
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	670 POLO CT, SAINT AUGUSTINE, FL 32086-7610
Transaction Type	Mortgage
Record Updated	Feb 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	670 POLO CT, ST AUGUSTINE, FL 32086-7610

Mortgage

Document Number	0062971121
Date	Jan 30, 2026
Book Page	6297/1121
Instrument	2026008220

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2046

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	670 POLO CT, SAINT AUGUSTINE, FL 32086-7610
Transaction Type	Mortgage
Record Updated	May 23, 2023
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055170866
Date	Mar 17, 2022
Book Page	5517/866
Instrument	2022028521

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Oct 16, 2018
Property Address	670 POLO CT, SAINT AUGUSTINE, FL 32086-7610
Document Number	0046270902
Book / Page	004627 / 000902
Instrument Date	Oct 12, 2018
Instrument	74876
Transaction Type	Transfer
Record Updated	Oct 29, 2018
Title Company	GIBRALTAR TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,715.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	670 POLO CT ST AUGUSTINE FL 320867610, ST AUGUSTINE, FL 32086-7610

Mortgage

Document Number	46270904
Date	Oct 16, 2018
Book Page	004627/000904
Instrument	74877

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32210

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 15, 2048

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST JOHNS FL
Recording Date	Sep 13, 2018
Property Address	670 POLO CT, SAINT AUGUSTINE, FL 32086-7610
Document Number	0046111785
Book / Page	004611 / 001785
Instrument Date	Sep 12, 2018
Instrument	66693
Transaction Type	Transfer
Record Updated	Sep 26, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5753 HIGHWAY 85 N #4006 CRESTVIEW FL 325369365, 4006, CRESTVIEW, FL 32536-9365

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jul 23, 2018
Property Address	670 POLO CT, SAINT AUGUSTINE, FL 32086-7610
Document Number	0045841116
Book / Page	004584 / 001116
Instrument Date	Jul 17, 2018
Instrument	52707
Transaction Type	Transfer
Record Updated	Aug 2, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	5753 HIGHWAY 85 N #4006 CRESTVIEW FL 325369365, 4006, CRESTVIEW, FL 32536-9365

Tax Assessment & Valuation

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		$203,580 (+2.7%)	$339,179 (-15.76%) Land $115,000 Building $224,179
2025	$2,140.00 (+16.94%) Homeowner's exemption Senior Citizen's exemption	$198,228 (+2.9%)	$402,642 (+0.74%) Land $115,000 Building $287,642
2024	$1,830.00 (+2.64%) Homeowner's exemption Senior Citizen's exemption	$192,641 (+3%)	$399,682 (+3.23%) Land $115,000 Building $284,682
2023	$1,783.00 (+4.15%) Homeowner's exemption Senior Citizen's exemption	$187,030 (+3%)	$387,185 (+13.47%) Land $115,000 Building $272,185
2022	$1,712.00 Homeowner's exemption Senior Citizen's exemption	$181,583	$341,225 Land $52,640 Building $288,585

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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 109 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	109 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 Risk	Moderate above 44% of the US · lower than 85% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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-CR214 MAINLAND WTP serves 66,953 people · EPA ID FL2554447
Water Source	Groundwater
Last State Inspection	Aug 2025
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	6 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 99 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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