806 Summer Bay Dr, Saint Augustine, FL 32080 Property Records

St. Johns County property record for 806 Summer Bay Dr, Saint Augustine, FL 32080

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,319 sqft · built 1998
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$515,000 (Dec 2019)
Tax Bill	$5,766 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`162949-0360`

Property Details

APN / Parcel Number

Primary APN	`162949-0360`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	2,319 sqft Living Area
Gross Area	3,109 sqft
1st Floor Area	1,828 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2010
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	467 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	264 sqft
Porch	Finished Screened Porch
Porch Area	420 sqft
Patio Area	768 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	806 SUMMER BAY DR
City	ST AUGUSTINE
State	FL
Zip	32080-6118
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	28/74-79 MARSH CREEK UNIT 9 LOT 36 OR4856/1685
Legal Range	30E
Legal Township	07S
Legal Section	33
Legal Subdivision	MARSH CREEK UNIT 9
Legal Block	4
Legal Lot Number	36
Legal Unit	9
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	4
Census Block	4007
Census Tract	21408

Owner

806 Summer Bay Dr is owned and occupied by an individual who bought it in December 2019.

Source: St. Johns County records, as of April 13, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	806 SUMMER BAY DR, SAINT AUGUSTINE, FL 32080-6118
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2022	Deed of Trust, Mortgage · Line of Credit VYSTAR CU
Nov 24, 2020	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LOAN SERVICING LLC
Dec 27, 2019	Warranty Deed, Transfer · Conventional Mortgage STEARNS LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 27, 2019 · Amount on File
Deed Sale	Dec 27, 2019 · Amount on File
Deed Document Number	201997188
Deed Book / Page	4856 / 1685
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	806 SUMMER BAY DR, SAINT AUGUSTINE, FL 32080-6118
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	806 SUMMER BAY DR, ST AUGUSTINE, FL 32080-6118

Mortgage

Document Number	0056551169
Date	Oct 27, 2022
Book Page	5655/1169
Instrument	2022099868

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	806 SUMMER BAY DR, SAINT AUGUSTINE, FL 32080-6118
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	806 SUMMER BAY DR, SAINT AUGUSTINE, FL 32080-6118

Mortgage

Document Number	0051070381
Date	Nov 24, 2020
Book Page	5107/381
Instrument	2020106748

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Dec 27, 2019
Property Address	806 SUMMER BAY DR, SAINT AUGUSTINE, FL 32080-6118
Document Number	0048561685
Book / Page	4856 / 1685
Map Reference	MB 28 PG 74-79
Instrument Date	Dec 27, 2019
Instrument	2019097188
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	ACTION TTL SVCS OF ST JOHNS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,605.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	333 FIDDLERS POINT DR, 333, SAINT AUGUSTINE, FL 32080-5101

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	806 SUMMER BAY DR, SAINT AUGUSTINE, FL 32080-6118

Mortgage

Document Number	48561687
Date	Dec 27, 2019
Instrument	4856/1687

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 806 Summer Bay Dr was $5,766 with exemptions applied, up 12% from the year before.

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		$457,492 (+2.7%)	$647,341 (-4.15%) Land $185,000 Building $462,341
2025	$5,766.00 (+12%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$445,464 (+2.9%)	$675,363 (+1.16%) Land $185,000 Building $490,363
2024	$5,148.00 (+1.98%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$432,910 (+3%)	$667,626 (+4.69%) Land $215,000 Building $452,626
2023	$5,048.00 (+2.77%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$420,301 (+3%)	$637,699 (+4.37%) Land $215,000 Building $422,699
2022	$4,912.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$408,059	$611,015 Land $212,800 Building $398,215

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 806 Summer Bay Dr in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 File median of 334 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	662 units insured incl. 328 condo units
Nearby Flood Claims	9 (2016–2022)
Claims Outside the SFHA	2 of 9
Most Recent Claim	Nov 2022 · Hurricane Nicole
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims Hurricane Matthew, Oct 2016 · 4 claims

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

Wildfire risk around 806 Summer Bay Dr is moderate, ranking above 50% of the US, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 50% of the US · lower than 79% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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 263 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
IQ Fiber Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

Nearby Properties on Summer Bay Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures