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

St. Johns County property record for 850 Summer Bay Dr, Saint Augustine, FL 32080

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,306 sqft · built 2003
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on Record
Last Sale	$485,000 (Mar 2016)
Tax Bill	$5,642 (2025)
Deeds & Mortgages	Mar 2019 Loan Modification Mar 2019 Loan Modification + 2 more
Flood Zone	Zone X (moderate risk)
APN	`162692-0070`

Property Details

APN / Parcel Number

Primary APN	`162692-0070`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	2,306 sqft Living Area
Gross Area	3,153 sqft
1st Floor Area	2,306 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2008
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Attached
Garage Area	567 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	200 sqft
Porch	Finished Screened Porch
Porch Area	401 sqft
Deck Area	Deck Area
Patio Area	613 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	850 SUMMER BAY DR
City	SAINT AUGUSTINE
State	FL
Zip	32080-6118
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	30/78-80 MARSH CREEK UNIT 11 LOT 7 OR4158/1088 & 4352/904
Legal Range	30E
Legal Township	07S
Legal Section	33
Legal Subdivision	MARSH CREEK UNIT 11
Legal Block	4
Legal Lot Number	7
Legal Unit	11
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	4
Census Block	4007
Census Tract	21408

Owner

Source: St. Johns County records, as of June 17, 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 Record
Mailing Address	850 SUMMER BAY DR, SAINT AUGUSTINE, FL 32080-6118
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2019	Loan Modification, Mortgage AMERIS BK
Mar 4, 2019	Loan Modification, Mortgage · Line of Credit AMERIS BK
Jun 5, 2017	Loan Modification, Mortgage AMERIS BK
Apr 3, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 7, 2016 · Amount on Record
Deed Sale	Mar 7, 2016 · Amount on Record
Prior Sale	Oct 8, 2001 · Amount on Record
Deed Document Number	201613656
Deed Book / Page	4158 / 1088
Last Transfer Date	Mar 1, 2017
Transfer Doc	0043520904
Record Updated	Oct 29, 2026

March 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST JOHNS FL
Property Address	850 SUMMER BAY DR, SAINT AUGUSTINE, FL 32080-6118
Document Number	0046950526
Instrument Date	Mar 12, 2019
Transaction Type	Mortgage
Record Updated	Mar 29, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Mortgage

Document Number	0046950526
Date	Mar 18, 2019
Book Page	004695/000526
Instrument	18160

Lender

Name	AMERIS BK
Type	Bank

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Mar 17, 2020

March 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST JOHNS FL
Property Address	850 SUMMER BAY DR, SAINT AUGUSTINE, FL 32080-6118
Document Number	0046950512
Instrument Date	Mar 4, 2019
Transaction Type	Mortgage
Record Updated	Mar 29, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 8360 FLEMING ISLAND FL 320060010, FLEMING ISLAND, FL 32006-0010

Mortgage

Document Number	0046950512
Date	Mar 18, 2019
Book Page	004695/000512
Instrument	18157

Lender

Name	AMERIS BK
Type	Bank
Address	100 SOUTHPARK BLVD, ST AUGUSTINE, FL 32086-5189

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST JOHNS FL
Property Address	850 SUMMER BAY DR, SAINT AUGUSTINE, FL 32080-6118
Document Number	0046950522
Instrument Date	Jun 5, 2017
Transaction Type	Mortgage
Record Updated	Mar 29, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Mortgage

Document Number	0046950522
Date	Mar 18, 2019
Book Page	004695/000522
Instrument	18159

Lender

Name	AMERIS BK
Type	Bank

Agreement

Amount	Amount Recorded

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST JOHNS FL
Recording Date	Apr 3, 2017
Property Address	850 SUMMER BAY DR, SAINT AUGUSTINE, FL 32080-6118
Document Number	0043520904
Book / Page	004352 / 000904
Instrument Date	Mar 15, 2017
Instrument	22546
Transaction Type	Transfer
Record Updated	Apr 21, 2017
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	Life Estate
Address	850 SUMMER BAY DR ST AUGUSTINE FL 320806118, ST AUGUSTINE, FL 32080-6118

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		$448,066 (+2.7%)	$641,050 (-2.17%) Land $185,000 Building $456,050
2025	$5,642.00 (+12.06%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$436,286 (+2.9%)	$655,290 (-0.23%) Land $185,000 Building $470,290
2024	$5,035.00 (+1.99%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$423,990 (+3%)	$656,803 (+4.78%) Land $215,000 Building $441,803
2023	$4,937.00 (+2.77%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$411,641 (+3%)	$626,822 (+7.59%) Land $215,000 Building $411,822
2022	$4,804.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$399,651	$582,594 Land $212,800 Building $369,794

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 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 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

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

Wildfire Risk	Moderate above 51% of the US · lower than 78% of Florida
Wildfire Likelihood	0.09% 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 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.

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