108 Watervale Dr, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 108 Watervale Dr, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,193 sqft · built 2020
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on Record
Last Sale	$384,478 (Jan 2021)
Tax Bill	$334 (2025)
Deeds & Mortgages	Jan 2023 Second Mortgage Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`026552-0030`

Property Details

APN / Parcel Number

Primary APN	`026552-0030`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Stories	1 Story
Building Area	2,193 sqft Living Area
Gross Area	2,863 sqft
1st Floor Area	1,718 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

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	12,632 sqft (0.29 acres)
Garage Type	Attached
Garage Area	670 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	108 WATERVALE DR
City	SAINT AUGUSTINE
State	FL
Zip	32092-1768
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	100/48-61 HOLLY FOREST LOT 3 OR5148/1887
Legal Range	28E
Legal Township	05S
Legal Section	30
Legal Subdivision	HOLLY FOREST
Legal Block	1
Legal Lot Number	3
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1005
Census Tract	20907

Owner

Source: St. Johns County records, as of April 13, 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	108 WATERVALE DR, SAINT AUGUSTINE, FL 32092-1768
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Jan 11, 2021	Warranty Deed, Subdivision Related Transfer · VA Mortgage JET HOMELOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 11, 2021 · Amount on Record
Deed Sale	Jan 11, 2021 · Amount on Record
Deed Document Number	20213496
Deed Book / Page	5148 / 1887
Record Updated	Jun 8, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	108 WATERVALE DR, SAINT AUGUSTINE, FL 32092-1768
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 WATERVALE DR, SAINT AUGUSTINE, FL 32092-1768
Investor	Possibly a Property Investor

Mortgage

Document Number	0057020200
Date	Jan 31, 2023
Book Page	5702/200
Instrument	2023007727

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2038

January 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jan 11, 2021
Property Address	108 WATERVALE DR, SAINT AUGUSTINE, FL 32092-1768
Document Number	0051481887
Book / Page	5148 / 1887
Map Reference	MB 100 PG 48-61
Instrument Date	Dec 28, 2020
Instrument	2021003496
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 20, 2022
Title Company	GOLDEN DOG TITLE & TRUST

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,691.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14701 PHILIPS HWY STE 300, 300, JACKSONVILLE, FL 32256-3742

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 WATERVALE DR, SAINT AUGUSTINE, FL 32092-1768

Mortgage

Document Number	0051481889
Date	Jan 11, 2021
Instrument	5148/1889

Lender

Name	JET HOMELOANS LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

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		$482,782 (+2.7%)	$520,140 (-3.95%) Land $110,000 Building $410,140
2025	$334.00 (+31.5%) Disabled Person's exemption Veteran's exemption	$470,090 (+27.44%)	$541,535 (+21.1%) Land $110,000 Building $431,535
2024	$254.00 (-94.09%) Disabled Person's exemption Veteran's exemption	$368,865 (+3%)	$447,163 (+8.12%) Land $110,000 Building $337,163
2023	$4,300.00 (+2.82%) Homeowner's exemption	$358,121 (+3%)	$413,583 (+4.91%) Land $95,000 Building $318,583
2022	$4,182.00 Homeowner's exemption	$347,690	$394,230 Land $89,600 Building $304,630

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 81 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	81 in force

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 56% of the US · lower than 72% of Florida
Wildfire Likelihood	0.1% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 391 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Watervale Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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