St. Johns County property record for 103 Ferndale Way, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,498 sqft · built 2020 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $336,567 (Aug 2020) |
| Tax Bill | $6,110 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Nov 2021 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 029011-6700 |
| Primary APN | 029011-6700 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,498 sqft Living Area |
| Gross Area | 3,055 sqft |
| 1st Floor Area | 1,171 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,098 sqft (0.14 acres) |
| Garage Type | Attached |
| Garage Area | 429 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 128 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 103 FERNDALE WAY |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-7644 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 92/37-45 WHISPER CREEK PHASE 8 LOT 670 OR5018/1491 |
| Legal Range | 28E |
| Legal Township | 06S |
| Legal Section | 38 |
| Legal Subdivision | WHISPER CREEK PHASE 8 |
| Legal Phase | 8 |
| Legal Block | 1 |
| Legal Lot Number | 670 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 4 |
| Census Block | 4022 |
| Census Tract | 20905 |
Source: St. Johns County records, as of June 9, 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 | 685 OAKLAWN CT, SAINT AUGUSTINE, FL 32092-3593 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 13, 2026 | Warranty Deed, Transfer · Conventional Mortgage UNION FEDERAL CREDIT UNION |
| Nov 2, 2021 | Deed of Trust, Mortgage · Line of Credit REGIONS BANK |
| Dec 3, 2021 | Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CU |
| Aug 17, 2020 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage JET HOMELOANS LLC |
| Apr 30, 2020 | Grant Deed, Transfer DF TITLE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 17, 2020 · Amount on Record |
| Deed Sale | Aug 17, 2020 · Amount on Record |
| Deed Document Number | 202068838 |
| Deed Book / Page | 5018 / 1491 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jul 13, 2026 |
| Property Address | 103 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7644 |
| Document Number | 0000059627 |
| Book / Page | 6400 / 481 |
| Instrument Date | Jun 3, 2026 |
| Instrument | 202659627 |
| Transaction Type | Transfer |
| Record Updated | Jul 23, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $330,876.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000059628, |
|---|---|
| Date | Jul 13, 2026 |
| Instrument | 202659628 |
| Name | UNION FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.53% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 103 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7644 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 103 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7644 |
| Document Number | 0054091799 |
|---|---|
| Date | Nov 2, 2021 |
| Book Page | 5409/1799 |
| Instrument | 2021119225 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Oct 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 103 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7644 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Address | 103 FERNDALE WAY, ST AUGUSTINE, FL 32092-7644 |
| Document Number | 0054360748 |
|---|---|
| Date | Dec 3, 2021 |
| Book Page | 5436/748 |
| Instrument | 2021131201 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Aug 17, 2020 |
| Property Address | 103 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7644 |
| Document Number | 0050181491 |
| Book / Page | 5018 / 1491 |
| Map Reference | MB 92 PG 37-45 |
| Instrument Date | Aug 14, 2020 |
| Instrument | 2020068838 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 31, 2021 |
| Title Company | GOLDEN DOG TITLE & TRUST |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,356.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14701 PHILIPS HWY # 300300, 14701, JACKSONVILLE, FL 32256-3743 |
| Name | Verified Name |
|---|---|
| Address | 103 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7644 |
| Document Number | 50181493 |
|---|---|
| Date | Aug 17, 2020 |
| Instrument | 5018/1493 |
| Name | JET HOMELOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Apr 30, 2020 |
| Property Address | 103 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7644 |
| Document Number | 0049331343 |
| Book / Page | 004933 / 001343 |
| Instrument Date | Apr 27, 2020 |
| Instrument | 33423 |
| Transaction Type | Transfer |
| Record Updated | Jul 7, 2020 |
| Title Company | DF TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,742.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 14701 PHILIPS HWY #300 JACKSONVILLE FL 322563742, 300, JACKSONVILLE, FL 32256-3742 |
| Investor | Possibly a Property Investor |
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 | $379,272 (+29.7%) Land $90,000 Building $289,272 | $379,272 (-5.06%) Land $90,000 Building $289,272 | |
| 2025 | $6,110.00 (+7.53%) Homeowner's exemption | $292,416 (+2.9%) | $399,491 (-6.54%) Land $95,000 Building $304,491 |
| 2024 | $5,682.00 (+1.41%) Homeowner's exemption | $284,175 (+3%) | $427,430 (+7.31%) Land $100,000 Building $327,430 |
| 2023 | $5,603.00 (+1.72%) Homeowner's exemption | $275,898 (+3%) | $398,330 (+10.12%) Land $84,000 Building $314,330 |
| 2022 | $5,508.00 Homeowner's exemption | $267,862 | $361,719 Land $84,000 Building $277,719 |
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 79 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 79 in force |
| Nearby Flood Claims | 1 (2017) |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
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 40% of the US · lower than 87% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% 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-NORTHWEST UTILITIES WTP serves 48,040 people · EPA ID FL2554471 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Also Mapped Here | SJCU-CR214 MAINLAND WTP |
| 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 | 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 356 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable · Fiber in parts of the area | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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