684 Back Creek Dr, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 684 Back Creek Dr, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,302 sqft · built 2023
Lot Size	0.28 acres (12,196 sqft)
Owner	2 Individual Names on Record
Last Sale	$740,000 (Dec 2025)
Tax Bill	$12,315 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Jul 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`029011-8710`

Property Details

APN / Parcel Number

Primary APN	`029011-8710`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Stories	1 Story
Building Area	3,302 sqft Living Area
Gross Area	4,233 sqft
1st Floor Area	3,302 sqft
Flooring	Carpet

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,196 sqft (0.28 acres)
Garage Type	Attached
Garage Area	736 sqft
Parking Spaces	3 Parking Spaces
Porch	Finished Screened Porch
Porch Area	302 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	684 BACK CREEK DR
City	SAINT AUGUSTINE
State	FL
Zip	32092-0116
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	107/24-37 WHISPER CREEK PHASE 6 LOT 871 OR6278/624
Legal Range	28
Legal Township	06
Legal Section	38
Legal Subdivision	WHISPER CREEK PHASE 6
Legal Phase	6
Legal Block	1
Legal Lot Number	871
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2005
Census Tract	20905

Owner

Source: St. Johns County records, as of April 13, 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	11337 LAKE LUCAYA DR, RIVERVIEW, FL 33579-4102
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2025	Warranty Deed, Transfer · VA Mortgage GUARANTEED RATE INC
Jul 6, 2023	Special Warranty Deed, Subdivision Related Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO
May 23, 2022	Special Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 2025 · Amount on Record
Deed Sale	Dec 23, 2025 · Amount on Record
Prior Sale	Jul 6, 2023 · Amount on Record
Deed Document Number	2025103774
Deed Book / Page	6278 / 624
Record Updated	Jun 8, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Dec 23, 2025
Property Address	684 BACK CREEK DR, SAINT AUGUSTINE, FL 32092-0116
Document Number	0062780624
Book / Page	6278 / 624
Map Reference	MB 107 PG 24-37
Instrument Date	Dec 19, 2025
Instrument	2025103774
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	UNKNOWN, ROCKET CLOSE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$5,180.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	471 MAXWELL PLZ UNIT 434, 434, OMAHA, NE 68154-2994

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11337 LAKE LUCAYA DR, RIVERVIEW, FL 33579-4102

Mortgage

Document Number	0006278626
Date	Dec 23, 2025
Instrument	6278/626

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

July 2023: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jul 6, 2023
Property Address	684 BACK CREEK DR, SAINT AUGUSTINE, FL 32092-0116
Document Number	0057880021
Book / Page	5788 / 21
Map Reference	MB 107 PG 24-37
Instrument Date	Jun 30, 2023
Instrument	2023052820
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 12, 2024
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Tax	$6,025.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9452 PHILIPS HWY STE 4, 4, JACKSONVILLE, FL 32256-1332

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	684 BACK CREEK DR, SAINT AUGUSTINE, FL 32092-0116

May 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	May 23, 2022
Property Address	684 BACK CREEK DR, SAINT AUGUSTINE, FL 32092-0116
Document Number	0055631447
Book / Page	5563 / 1447
Instrument Date	May 23, 2022
Instrument	2022052052
Transaction Type	Transfer
Record Updated	Feb 12, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$3,472.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7807 BAYMEADOWS RD E # E205, E205, JACKSONVILLE, FL 32256-9664

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9452 PHILIPS HWY STE 4, 4, JACKSONVILLE, FL 32256-1332
Investor	Possibly a Property Investor

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		$657,459 (-0.54%) Land $160,000 Building $497,459	$657,459 (-0.54%) Land $160,000 Building $497,459
2025	$12,315.00 (+5.68%) Homeowner's exemption	$661,017 (-0.04%)	$661,017 (-0.04%) Land $155,000 Building $506,017
2024	$11,653.00 (+127.46%) Homeowner's exemption	$661,311 (+554.76%)	$661,311 (+554.76%) Land $130,000 Building $531,311
2023	$5,123.00 (-3.47%)	$101,000 (-24.85%)	$101,000 (-24.85%) Land $101,000
2022	$5,307.00	$134,400	$134,400 Land $134,400

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 29 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	29 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	Low lower than 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.07% 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-NORTHWEST UTILITIES WTP serves 48,040 people · EPA ID FL2554471
Water Source	Groundwater
Last State Inspection	Jun 2024
Also Mapped Here	SJCU-CR214 MAINLAND WTP
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 235 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Fiber	2,000 / 2,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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