118 Watervale Dr, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 118 Watervale Dr, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,488 sqft · built 2021
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Last Sale	$435,861 (Jul 2021)
Tax Bill	$5,969 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`026552-0040`

Property Details

APN / Parcel Number

Primary APN	`026552-0040`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Plumbing Fixtures	15 Plumbing Fixtures
Stories	2 Stories
Building Area	3,488 sqft Living Area
Gross Area	3,928 sqft
1st Floor Area	1,417 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

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	13,068 sqft (0.3 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	118 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 4 OR5310/838
Legal Range	28E
Legal Township	05S
Legal Section	30
Legal Subdivision	HOLLY FOREST
Legal Block	1
Legal Lot Number	4
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	Individual Name on Record
Mailing Address	118 WATERVALE DR, SAINT AUGUSTINE, FL 32092-1768
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2024	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Jul 6, 2021	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage JET HOMELOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 6, 2021 · Amount on Record
Deed Sale	Jul 6, 2021 · Amount on Record
Deed Document Number	202174692
Deed Book / Page	5310 / 838
Record Updated	Jun 8, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	118 WATERVALE DR, SAINT AUGUSTINE, FL 32092-1768
Transaction Type	Mortgage
Record Updated	Feb 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 WATERVALE DR, SAINT AUGUSTINE, FL 32092-1768

Mortgage

Document Number	0058941909
Date	Feb 2, 2024
Book Page	5894/1909
Instrument	2024008390

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Mar 1, 2064

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jul 6, 2021
Property Address	118 WATERVALE DR, SAINT AUGUSTINE, FL 32092-1768
Document Number	0053100838
Book / Page	5310 / 838
Map Reference	MB 100 PG 48-61
Instrument Date	Jun 30, 2021
Instrument	2021074692
Transaction Type	Subdivision Related Transfer
Record Updated	May 23, 2023
Title Company	GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TRUST

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,051.30
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	118 WATERVALE DR, SAINT AUGUSTINE, FL 32092-1768

Mortgage

Document Number	0005310840
Date	Jul 6, 2021
Instrument	5310/840

Lender

Name	JET HOMELOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 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		$469,530 (+2.7%)	$518,527 (-6.31%) Land $110,000 Building $408,527
2025	$5,969.00 (+11.97%) Homeowner's exemption	$457,186 (+2.9%)	$553,454 (+0.89%) Land $110,000 Building $443,454
2024	$5,331.00 (+1.93%) Homeowner's exemption	$444,301 (+3%)	$548,547 (+7.7%) Land $110,000 Building $438,547
2023	$5,230.00 (-18.95%) Homeowner's exemption	$431,360 (-11.21%)	$509,352 (+4.84%) Land $95,000 Building $414,352
2022	$6,453.00	$485,846	$485,846 Land $89,600 Building $396,246

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