St. Johns County property record for 127 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 | Company Name on File |
| Last Sale | $307,274 (Aug 2020) |
| Tax Bill | $6,462 (2025) |
| Deeds & Mortgages | Oct 2022 Second Mortgage Aug 2020 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 029011-6730 |
| Primary APN | 029011-6730 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| 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 |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| 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 |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 127 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 673 |
| Legal Range | 28E |
| Legal Township | 06S |
| Legal Section | 38 |
| Legal Subdivision | WHISPER CREEK PHASE 8 |
| Legal Phase | 8 |
| Legal Block | 1 |
| Legal Lot Number | 673 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 4 |
| Census Block | 4022 |
| Census Tract | 20905 |
127 Ferndale Way is owned by a company that bought it in August 2020.
Source: St. Johns County records, as of April 13, 2026
| Owner of Record | Company Name on File |
|---|---|
| Owner Type | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 24, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU |
| Aug 5, 2020 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage JET HOMELOANS LLC |
| Mar 19, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AMERIS BK |
| Mar 20, 2020 | Grant Deed, Transfer · Conventional Mortgage AMERIS BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 5, 2020 · Amount on File |
| Deed Sale | Aug 5, 2020 · Amount on File |
| Deed Document Number | 202064127 |
| Deed Book / Page | 5007 / 1810 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 127 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7644 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 127 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7644 |
| Document Number | 0056531004 |
|---|---|
| Date | Oct 24, 2022 |
| Book Page | 5653/1004 |
| Instrument | 2022098745 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 178 Months |
| Due | Aug 1, 2037 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Aug 5, 2020 |
| Property Address | 127 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7644 |
| Document Number | 0050071810 |
| Book / Page | 5007 / 1810 |
| Map Reference | MB 92 PG 37-45 |
| Instrument Date | Jul 24, 2020 |
| Instrument | 2020064127 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 31, 2021 |
| Title Company | GOLDEN DOG TITLE & TRUST |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,151.10 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14701 PHILIPS HWY STE 300, 14701, JACKSONVILLE, FL 32256-3742 |
| Name | Verified Name |
|---|---|
| Address | 127 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7644 |
| Document Number | 50071812 |
|---|---|
| Date | Aug 5, 2020 |
| Instrument | 5007/1812 |
| Name | JET HOMELOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 127 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7644 |
| Document Number | 0049071426 |
| Instrument Date | Mar 19, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 18, 2020 |
| Title Company | GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TR |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 127 FERNDALE WAY ST AUGUSTINE FL 320927644, ST AUGUSTINE, FL 32092-7644 |
| Investor | Possibly a Property Investor |
| Document Number | 0049071426 |
|---|---|
| Date | Mar 23, 2020 |
| Book Page | 004907/001426 |
| Instrument | 23163 |
| Name | AMERIS BK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Mar 20, 2020 |
| Property Address | 127 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7644 |
| Document Number | 0049061244 |
| Book / Page | 004906 / 001244 |
| Instrument Date | Mar 18, 2020 |
| Instrument | 22687 |
| Transaction Type | Transfer |
| Record Updated | Jun 26, 2020 |
| Title Company | GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TR |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $697.00 |
| 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 |
| Document Number | 49071426 |
|---|---|
| Date | Mar 20, 2020 |
| Book Page | 004907/001426 |
| Instrument | 23163 |
| Name | AMERIS BK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 127 Ferndale Way was $6,462, up 7.7% from the year before.
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 | $327,166 | $391,599 Land $90,000 Building $301,599 | |
| 2025 | $6,462.00 (+7.68%) | ||
| 2024 | $6,001.00 (+3.7%) | ||
| 2023 | $5,787.00 (+1.74%) | ||
| 2022 | $5,688.00 Homeowner's exemption | $281,906 | $367,897 Land $84,000 Building $283,897 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 127 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 risk around 127 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.
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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