St. Johns County property record for 732 Palm Hammock Cir, Saint Augustine, FL 32095
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,426 sqft · built 1999 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $215,000 (Mar 2020) |
| Tax Bill | $2,829 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Jun 2019 Mortgage + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 074531-1440 |
| Primary APN | 074531-1440 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,426 sqft Living Area |
| Gross Area | 1,922 sqft |
| 1st Floor Area | 1,426 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Concrete |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 4,356 sqft (0.1 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Glass Porch |
| Porch Area | 80 sqft |
| Patio Area | 118 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 732 PALM HAMMOCK CIR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32095-8033 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 28/110-116 EAGLE CREEK OF ST AUGUSTINE LOT 144 OR4907/1411 |
| Legal Range | 29E |
| Legal Township | 06S |
| Legal Section | 50 |
| Legal Subdivision | EAGLE CREEK OF ST AUGUSTINE |
| Legal Block | 2 |
| Legal Lot Number | 144 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 20606 |
Source: St. Johns County records, as of April 14, 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 | 732 PALM HAMMOCK CIR, ST AUGUSTINE, FL 32095-8033 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 1, 2026 | Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CREDIT UNION |
| Jun 25, 2019 | Deed of Trust, Mortgage · FHA Mortgage UMC MORTGAGE CO |
| Mar 23, 2020 | Warranty Deed, Transfer · Conventional with PMI VYSTAR CU |
| Apr 2, 2018 | Warranty Deed, Transfer NORTH AMERICAN TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 23, 2020 · Amount on Record |
| Deed Sale | Mar 23, 2020 · Amount on Record |
| Prior Sale | Apr 2, 2018 · Amount on Record |
| Deed Document Number | 202023161 |
| Deed Book / Page | 4907 / 1411 |
| Prior Transfer Date | May 8, 2015 |
| Prior Transfer Doc | 0040251270 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Apr 1, 2026 |
| Property Address | 732 PALM HAMMOCK CIR, SAINT AUGUSTINE, FL 32095-8033 |
| Document Number | 0000027741 |
| Book / Page | 6335 / 1236 |
| Instrument Date | Mar 27, 2026 |
| Instrument | 202627741 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2026 |
| Title Company | MORTGAGE SERVICES, MORTGAGE SERVICING DEPT |
| Name | Verified Name |
|---|---|
| Address | 732 PALM HAMMOCK CIR, SAINT AUGUSTINE, FL 32095-8033 |
| Document Number | 0000027741, |
|---|---|
| Date | Apr 1, 2026 |
| Book Page | 6335/1236 |
| Instrument | 202627741 |
| Name | VYSTAR CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Apr 1, 2036 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.98% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 732 PALM HAMMOCK CIR, SAINT AUGUSTINE, FL 32095-8033 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0047461909 |
|---|---|
| Date | Jun 25, 2019 |
| Book Page | 4746/1909 |
| Instrument | 2019044779 |
| Name | UMC MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | MELVILLE, NY 11747 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Mar 23, 2020 |
| Property Address | 732 PALM HAMMOCK CIR, SAINT AUGUSTINE, FL 32095-8033 |
| Document Number | 0049071411 |
| Book / Page | 004907 / 001411 |
| Instrument Date | Mar 13, 2020 |
| Instrument | 23161 |
| Transaction Type | Transfer |
| Record Updated | Jun 18, 2020 |
| Title Company | AMERICAS CHOICE TITLE COMPANY, AMERICAS CHOICE TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,505.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 732 PALM HAMMOCK CIR ST AUGUSTINE FL 320958033, ST AUGUSTINE, FL 32095-8033 |
| Document Number | 49071413 |
|---|---|
| Date | Mar 23, 2020 |
| Book Page | 004907/001413 |
| Instrument | 23162 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32210 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 22, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Apr 2, 2018 |
| Property Address | 732 PALM HAMMOCK CIR, SAINT AUGUSTINE, FL 32095-8033 |
| Document Number | 0045231033 |
| Book / Page | 004523 / 001033 |
| Instrument Date | Mar 26, 2018 |
| Instrument | 21040 |
| Transaction Type | Transfer |
| Record Updated | Apr 10, 2018 |
| Title Company | NORTH AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,470.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 732 PALM HAMMOCK CIR ST AUGUSTINE FL 320958033, ST AUGUSTINE, FL 32095-8033 |
Source: St. Johns County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $229,354 (+2.7%) | $262,626 (-4.25%) Land $65,000 Building $197,626 | |
| 2025 | $2,829.00 (+13.61%) Homeowner's exemption | $223,324 (+2.9%) | $274,293 (-4.05%) Land $60,000 Building $214,293 |
| 2024 | $2,490.00 (+2.13%) Homeowner's exemption | $217,030 (+3%) | $285,858 (+0.82%) Land $74,000 Building $211,858 |
| 2023 | $2,438.00 (+3.31%) Homeowner's exemption | $210,709 (+3%) | $283,528 (+5.17%) Land $70,000 Building $213,528 |
| 2022 | $2,360.00 Homeowner's exemption | $204,572 | $269,591 Land $61,600 Building $207,991 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Coastal | Yes |
| 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 252 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 350 units insured incl. 98 condo units |
| Nearby Flood Claims | 17 (2012–2024) |
| Claims Outside the SFHA | 1 of 17 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · lower than 84% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SJCU-EAGLE CREEK WS serves 655 people · EPA ID FL2554353 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2025 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 301 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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