118 Sweet Oak Way, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 118 Sweet Oak Way, Saint Augustine, FL 32095

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,874 sqft · built 2020
Lot Size	0.16 acres (6,969 sqft)
Owner	2 Individual Names on File
Last Sale	$460,000 (Jul 2024)
Tax Bill	$4,890 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Jul 2024 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`023713-0070`

Property Details

APN / Parcel Number

Primary APN	`023713-0070`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	1,874 sqft Living Area
Gross Area	2,375 sqft
1st Floor Area	1,874 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	6,969 sqft (0.16 acres)
Garage Type	Attached
Garage Area	380 sqft
Parking Spaces	1 Parking Space
Porch	Finished Screened Porch
Porch Area	169 sqft
Patio Area	469 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	118 SWEET OAK WAY
City	SAINT AUGUSTINE
State	FL
Zip	32095-8997
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	79/64-82 CREEKSIDE AT TWIN CREEKS PHASE 1A LOT 7 OR5995/31
Legal Range	28E
Legal Township	05S
Legal Section	11
Legal Subdivision	CREEKSIDE AT TWIN CREEKS PHASE 1A
Legal Phase	1A
Legal Block	1
Legal Lot Number	7
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2032
Census Tract	20904

Owner

118 Sweet Oak Way is owned and occupied by two individuals who bought it in July 2024.

Source: St. Johns County records, as of April 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	118 SWEET OAK WAY, SAINT AUGUSTINE, FL 32095-8997
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jul 31, 2024	Warranty Deed, Transfer · Conventional Mortgage JACKSON FLAGSTAR CENTRE OFFICE
Jan 10, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 6, 2020	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage EAGLE HOME MORTGAGE LLC
Sep 20, 2019	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2024 · Amount on File
Deed Sale	Jul 31, 2024 · Amount on File
Prior Sale	Jan 10, 2023 · Amount on File
Deed Document Number	202460037
Deed Book / Page	5995 / 31
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	118 SWEET OAK WAY, SAINT AUGUSTINE, FL 32095-8997
Transaction Type	Mortgage
Record Updated	Oct 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 SWEET OAK WAY, SAINT AUGUSTINE, FL 32095-8997

Mortgage

Document Number	0053451872
Date	Aug 18, 2021
Book Page	5345/1872
Instrument	2021091055

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

July 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jul 31, 2024
Property Address	118 SWEET OAK WAY, SAINT AUGUSTINE, FL 32095-8997
Document Number	0059950031
Book / Page	5995 / 31
Map Reference	MB 79 PG 64
Instrument Date	Jul 19, 2024
Instrument	2024060037
Transaction Type	Transfer
Record Updated	Oct 23, 2025
Title Company	LANDMARK TITLE, LANDMARK TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,220.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11206 LIBERTY SQUARE CT, JACKSONVILLE, FL 32221-2125

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 SWEET OAK WAY, SAINT AUGUSTINE, FL 32095-8997

Mortgage

Document Number	2024060038
Date	Jul 31, 2024
Instrument	2024060038

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2054

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jan 10, 2023
Property Address	118 SWEET OAK WAY, SAINT AUGUSTINE, FL 32095-8997
Document Number	0056921955
Book / Page	5692 / 1955
Map Reference	MB 79 PG 64
Instrument Date	Jan 6, 2023
Instrument	2023002477
Transaction Type	Transfer
Record Updated	Oct 23, 2025
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,975.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4094 MAJESTIC LN, FAIRFAX, VA 22033-2104

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 SWEET OAK WAY, SAINT AUGUSTINE, FL 32095-8997

Mortgage

Document Number	0056921958
Date	Jan 10, 2023
Instrument	5692/1958

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2053

July 2020: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jul 6, 2020
Property Address	118 SWEET OAK WAY, SAINT AUGUSTINE, FL 32095-8997
Document Number	0049810546
Book / Page	4981 / 546
Map Reference	MB 79 PG 64
Instrument Date	Jun 22, 2020
Instrument	2020053327
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 31, 2021
Title Company	CALATLANTIC TITLE INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,065.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9440 PHILIPS HWY STE 7, 9440, JACKSONVILLE, FL 32256-1339

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 SWEET OAK WAY, ST AUGUSTINE, FL 32095-8997

Mortgage

Document Number	4981554
Date	Jul 6, 2020
Instrument	4981/554

Lender

Name	EAGLE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2050

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST JOHNS FL
Recording Date	Sep 20, 2019
Property Address	118 SWEET OAK WAY, SAINT AUGUSTINE, FL 32095-8997
Document Number	0047990645
Book / Page	004799 / 000645
Instrument Date	Sep 20, 2019
Instrument	70236
Transaction Type	Transfer
Record Updated	Oct 3, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$3,010.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	9440 PHILIPS HWY #7 JACKSONVILLE FL 322561339, 7, JACKSONVILLE, FL 32256-1339
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 118 Sweet Oak Way was $4,890, down 1% from the year before.

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		$281,638 (+2.7%)	$366,641 (-3.06%) Land $90,000 Building $276,641
2025	$4,890.00 (-9.99%) Homeowner's exemption	$274,234 (-19.83%)	$378,231 (-2.69%) Land $95,000 Building $283,231
2024	$5,433.00 (+17.01%) Homeowner's exemption	$342,073 (+25.15%)	$388,671 (+15.74%) Land $95,000 Building $293,671
2023	$4,643.00 (+2.09%) Homeowner's exemption	$273,341 (+3%)	$335,810 (+4.59%) Land $95,000 Building $240,810
2022	$4,548.00 Homeowner's exemption	$265,380	$321,074 Land $84,000 Building $237,074

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 118 Sweet Oak Way in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 206 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	206 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

Wildfire risk around 118 Sweet Oak Way is moderate, ranking above 50% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 50% of the US · lower than 79% of Florida
Wildfire Likelihood	0.09% 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	SJCU-NORTHEAST UTILITIES WS serves 14,790 people · EPA ID FL2554475
Water Source	Purchased groundwater from JEA MAJOR GRID
Last State Inspection	Mar 2024
Also Mapped Here	SJCU-CR214 MAINLAND WTP
Lead	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	3 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 128 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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