St. Johns County property record for 964 Flach Dr, Saint Johns, FL 32259
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,225 sqft · built 2021 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $345,725 (Apr 2021) |
| Tax Bill | $4,258 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit Apr 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 001781-0850 |
| Primary APN | 001781-0850 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,225 sqft Living Area |
| Gross Area | 3,062 sqft |
| 1st Floor Area | 2,225 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,583 sqft (0.22 acres) |
| Garage Type | Attached |
| Garage Area | 837 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 224 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 964 FLACH DR |
|---|---|
| City | SAINT JOHNS |
| State | FL |
| Zip | 32259-8549 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 98/52-58 WORTHINGTON ESTATES PHASE III & IV LOT 85 OR5230/1067 |
| Legal Range | 27E |
| Legal Township | 05S |
| Legal Section | 39 |
| Legal Subdivision | WORTHINGTON ESTATES PHASES III AND IV |
| Legal Phase | 3 |
| Legal Block | 1 |
| Legal Lot Number | 85 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | FRUIT COVE |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 20804 |
Source: St. Johns County records, as of October 2, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 964 FLACH DR, SAINT JOHNS, FL 32259-8549 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Sep 18, 2026 | Deed of Trust, Mortgage · Line of Credit VYSTAR CREDIT UNION |
| Apr 7, 2021 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage HOME AMERICAN MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 7, 2021 · Amount on Record |
| Deed Sale | Apr 7, 2021 · Amount on Record |
| Deed Document Number | 202138415 |
| Deed Book / Page | 5230 / 1067 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Sep 18, 2026 |
| Property Address | 964 FLACH DR, SAINT JOHNS, FL 32259-8549 |
| Document Number | 0000079818 |
| Book / Page | 6438 / 1775 |
| Instrument Date | Sep 12, 2026 |
| Instrument | 202679818 |
| Transaction Type | Mortgage |
| Record Updated | Oct 2, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 964 FLACH DR, SAINT JOHNS, FL 32259-8549 |
| Document Number | 0000079818, |
|---|---|
| Date | Sep 18, 2026 |
| Book Page | 6438/1775 |
| Instrument | 202679818 |
| Name | VYSTAR CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Oct 1, 2036 |
| Rate Type | Balloon |
|---|---|
| Initial Type | Balloon |
| Max Rate | -1% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Apr 7, 2021 |
| Property Address | 964 FLACH DR, SAINT JOHNS, FL 32259-8549 |
| Document Number | 0052301067 |
| Book / Page | 5230 / 1067 |
| Map Reference | MB 98 PG 52-58 |
| Instrument Date | Mar 31, 2021 |
| Instrument | 2021038415 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 28, 2022 |
| Title Company | DO NO USE, AMERICAN HOME T&E CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,420.60 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10255 FORTUNE PKWY, 10255, JACKSONVILLE, FL 32256-6502 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 964 FLACH DR, ST JOHNS, FL 32259-8549 |
| Document Number | 0052301068 |
|---|---|
| Date | Apr 7, 2021 |
| Instrument | 5230/1068 |
| Name | HOME AMERICAN MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2051 |
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 | $339,004 (+2.7%) | $443,211 (+1%) Land $110,000 Building $333,211 | |
| 2025 | $4,258.00 (+12.59%) Homeowner's exemption | $330,092 (+5.99%) | $438,805 (+4.5%) Land $110,000 Building $328,805 |
| 2024 | $3,782.00 (+2.02%) | ||
| 2023 | $3,707.00 (+2.92%) Homeowner's exemption | $311,446 (+3%) | $419,893 (+19.91%) Land $100,000 Building $319,893 |
| 2022 | $3,602.00 Homeowner's exemption | $302,375 | $350,163 Land $89,600 Building $260,563 |
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 minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 86 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 86 in force |
| Nearby Flood Claims | 5 (2004–2016) |
| Claims Outside the SFHA | 3 of 5 |
| Most Recent Claim | Oct 2016 · Hurricane Matthew |
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 | Low lower than 62% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
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 | JEA MAJOR GRID serves 826,664 people · EPA ID FL2161328 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2026 |
| Lead | 2 ppb (2023) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 242 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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