St. Johns County property record for 965 Flach Dr, Saint Johns, FL 32259
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,644 sqft · built 2021 |
| Lot Size | 0.21 acres (9,147 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $455,156 (Feb 2021) |
| Tax Bill | $7,027 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Feb 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 001781-0610 |
| Primary APN | 001781-0610 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,644 sqft Living Area |
| Gross Area | 4,265 sqft |
| 1st Floor Area | 1,346 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,147 sqft (0.21 acres) |
| Garage Type | Attached |
| Garage Area | 1,269 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Finished Screened Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 965 FLACH DR |
|---|---|
| City | SAINT JOHNS |
| State | FL |
| Zip | 32259-8551 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 98/52-58 WORTHINGTON ESTATES PHASE III & IV LOT 61 OR5166/1816 |
| 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 | 61 |
| 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 July 20, 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 | 965 FLACH DR, SAINT JOHNS, FL 32259-8551 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jul 9, 2026 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Feb 1, 2021 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage HOME AMERICAN MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 1, 2021 · Amount on Record |
| Deed Sale | Feb 1, 2021 · Amount on Record |
| Deed Document Number | 202111036 |
| Deed Book / Page | 5166 / 1816 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jul 9, 2026 |
| Property Address | 965 FLACH DR, SAINT JOHNS, FL 32259-8551 |
| Document Number | 0000058888 |
| Book / Page | 6398 / 1630 |
| Instrument Date | Jun 24, 2026 |
| Instrument | 202658888 |
| Transaction Type | Mortgage |
| Record Updated | Jul 20, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 965 FLACH DR, SAINT JOHNS, FL 32259-8551 |
| Document Number | 0000058888, |
|---|---|
| Date | Jul 9, 2026 |
| Book Page | 6398/1630 |
| Instrument | 202658888 |
| Name | BANK OF AMERICA |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 24, 2056 |
| Rate | 6.53% |
|---|---|
| Max Rate | -1% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Feb 1, 2021 |
| Property Address | 965 FLACH DR, SAINT JOHNS, FL 32259-8551 |
| Document Number | 0051661816 |
| Book / Page | 5166 / 1816 |
| Map Reference | MB 98 PG 52-58 |
| Instrument Date | Jan 27, 2021 |
| Instrument | 2021011036 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | May 23, 2023 |
| 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 | $3,186.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10255 FORTUNE PKWY # 150, 150, JACKSONVILLE, FL 32256-6502 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 965 FLACH DR, SAINT JOHNS, FL 32259-8551 |
| Document Number | 0051661817 |
|---|---|
| Date | Feb 1, 2021 |
| Instrument | 5166/1817 |
| Name | HOME AMERICAN MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 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 | $550,169 (+2.7%) | $585,452 (-1.92%) Land $110,000 Building $475,452 | |
| 2025 | $7,027.00 (+11.75%) Homeowner's exemption | $535,705 (+2.9%) | $596,925 (+1.83%) Land $110,000 Building $486,925 |
| 2024 | $6,288.00 (+22.12%) Homeowner's exemption | $520,607 (+22.48%) | $586,189 (+18.04%) Land $120,000 Building $466,189 |
| 2023 | $5,149.00 (+2.69%) Homeowner's exemption | $425,046 (+3%) | $496,582 (+20.34%) Land $100,000 Building $396,582 |
| 2022 | $5,014.00 Homeowner's exemption | $412,666 | $412,666 Land $89,600 Building $323,066 |
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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