686 Bahia Dr, Saint Augustine, FL 32086 Property Records

St. Johns County property record for 686 Bahia Dr, Saint Augustine, FL 32086

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,012 sqft · built 1984
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$300,000 (Oct 2023)
Tax Bill	$3,663 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`284181-0150`

Property Details

APN / Parcel Number

Primary APN	`284181-0150`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	2,012 sqft Living Area
Gross Area	2,566 sqft
1st Floor Area	2,012 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1994
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,454 sqft (0.24 acres)
Lot Dimensions	121 ft deep x 82 ft wide
Garage Type	Attached
Garage Area	554 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	45 sqft
Patio Area	182 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	686 BAHIA DR
City	SAINT AUGUSTINE
State	FL
Zip	32086-7663
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	14/40-46 ST AUG SHORES UNIT 6 LOT 15 BLK 181 OR5849/1210
Legal Range	30E
Legal Township	08S
Legal Section	40
Legal Subdivision	ST. AUGUSTINE SHORES UNIT 6
Legal Block	181
Legal Lot Number	15
Legal Unit	6
Jurisdiction	ST JOHNS FL
Township / Civil Division	MATANZAS
Census Block Group	2
Census Block	2025
Census Tract	21211

Owner

Source: St. Johns County assessment roll, APN 284181-0150, as of April 13, 2026 · Last verified April 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	686 BAHIA DR, SAINT AUGUSTINE, FL 32086-7663
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 31, 2023 · Amount on Record
Deed Sale	Oct 31, 2023 · Amount on Record
Deed Document Number	202385633
Deed Book / Page	5849 / 1210
Prior Transfer Date	Mar 25, 2013
Prior Transfer Doc	0037090814
Record Updated	Jun 08, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Oct 31, 2023
Property Address	686 BAHIA DR, SAINT AUGUSTINE, FL 32086-7663
Document Number	0058491210
Book / Page	5849 / 1210
Map Reference	MB 14 PG 40-46
Instrument Date	Oct 28, 2023
Instrument	2023085633
Transaction Type	Transfer
Record Updated	Nov 13, 2023
Title Company	ESTATE TITLE/STATE AUGUSTINE INC, ESTATE TTL OF ST AUGUSTINE I

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1311 FLORASPRINGS DR, RIVERVIEW, FL 33579

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	686 BAHIA DR, SAINT AUGUSTINE, FL 32086-7663

Mortgage

Document Number	0058491212
Date	Oct 31, 2023
Instrument	5849/1212

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2053

Tax Assessment & Valuation

Source: St. Johns County assessment roll as of April 13, 2026 · Last verified April 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

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$287,672 (+0.6%) Land $97,744 Building $189,928	$287,672 (-4.63%) Land $97,744 Building $189,928
2025	$3,663.00 (+12.92%) Homeowner's exemption	$285,951 (+2.9%)	$301,640 (+8.55%) Land $92,250 Building $209,390
2024	$3,244.00 (+112.58%) Homeowner's exemption	$277,892 (+92.17%)	$277,892 (-21.43%) Land $92,250 Building $185,642
2023	$1,526.00 (+0.2%) Homeowner's exemption Widower's exemption	$144,604 (+3%)	$353,672 (+4.7%) Land $92,250 Building $261,422
2022	$1,523.00 Homeowner's exemption Widower's exemption	$140,392	$337,797 Land $59,696 Building $278,101

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), as of September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090212112, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
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

Wildfire

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, 310 locations within half a mile, as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250

Drinking Water

Source: EPA Safe Drinking Water Information System, water system FL2554447, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	SJCU-CR214 MAINLAND WTP serves 66,953 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.