120 Ferndale Way, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 120 Ferndale Way, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,498 sqft · built 2019
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$509,000 (Dec 2022)
Tax Bill	$2,693 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`029011-7270`

Property Details

APN / Parcel Number

Primary APN	`029011-7270`

Interior

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

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.17 acres)
Garage Type	Attached
Garage Area	429 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	128 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	120 FERNDALE WAY
City	SAINT AUGUSTINE
State	FL
Zip	32092-7645
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	92/37-45 WHISPER CREEK PHASE 8 LOT 727 OR5678/572
Legal Range	28E
Legal Township	06S
Legal Section	38
Legal Subdivision	WHISPER CREEK PHASE 8
Legal Phase	8
Legal Block	1
Legal Lot Number	727
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	4
Census Block	4040
Census Tract	20905

Owner

120 Ferndale Way is owned and occupied by two individuals who bought it in December 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	120 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7645
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 12, 2022 · Amount on File
Deed Sale	Dec 12, 2022 · Amount on File
Deed Document Number	2022111725
Deed Book / Page	5678 / 572
Record Updated	Jun 8, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Dec 12, 2022
Property Address	120 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7645
Document Number	0056780572
Book / Page	5678 / 572
Map Reference	MB 92 PG 37-45
Instrument Date	Dec 8, 2022
Instrument	2022111725
Transaction Type	Transfer
Record Updated	Oct 23, 2025
Title Company	LANDMARK TITLE, LANDMARK TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,563.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	368 TORTOLA WAY, ST JOHNS, FL 32259-1137

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 FERNDALE WAY, ST AUGUSTINE, FL 32092-7645

Mortgage

Document Number	0005678574
Date	Dec 12, 2022
Instrument	5678/574

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 120 Ferndale Way was $2,693 with a veteran's exemption, up 3.1% 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		$419,100 (-4.87%) Land $90,000 Building $329,100	$419,100 (-4.87%) Land $90,000 Building $329,100
2025	$2,693.00 (+3.06%) Disabled Person's exemption Veteran's exemption	$440,546 (+7.38%)	$440,546 (+3.07%) Land $95,000 Building $345,546
2024	$2,613.00 (+0.46%) Disabled Person's exemption Veteran's exemption	$410,280 (+3%)	$427,430 (+7.31%) Land $100,000 Building $327,430
2023	$2,601.00 (-49.14%) Disabled Person's exemption Veteran's exemption	$398,330 (+68.02%)	$398,330 (+10.12%) Land $84,000 Building $314,330
2022	$5,114.00 Homeowner's exemption	$237,077	$361,719 Land $84,000 Building $277,719

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 120 Ferndale Way in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

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 File 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.

Wildfire

Wildfire risk around 120 Ferndale Way is moderate, ranking above 40% of the US, with a 0.05% annual chance of wildfire.

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.

Drinking Water

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

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 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