St. Johns County property record for 16 Shady Lake Ct, Saint Augustine, FL 32095
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,506 sqft · built 2020 |
| Lot Size | 0.28 acres (12,196 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $342,800 (Nov 2020) |
| Tax Bill | $5,804 (2025) |
| Deeds & Mortgages | Jun 2022 Line of Credit Aug 2020 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 026484-1010 |
| Primary APN | 026484-1010 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,506 sqft Living Area |
| Gross Area | 2,946 sqft |
| 1st Floor Area | 2,506 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| 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 | 12,196 sqft (0.28 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 190 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 16 SHADY LAKE CT |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32095-8977 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 74/86-98 SANDY CREEK PHASES 2A AND 2B LOT 101 OR5103/1539 |
| Legal Range | 28E |
| Legal Township | 05S |
| Legal Section | 21 |
| Legal Subdivision | SANDY CREEK PHASES 2A AND 2B |
| Legal Block | 1 |
| Legal Lot Number | 101 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2050 |
| Census Tract | 20904 |
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 | 16 SHADY LAKE CT, SAINT AUGUSTINE, FL 32095-8977 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 1, 2022 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Aug 7, 2020 | Deed of Trust, Mortgage · Line of Credit AMERIS BANK |
| Nov 19, 2020 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage STOCKTON MORTGAGE CORP |
| Oct 1, 2020 | Loan Modification, Mortgage · Line of Credit AMERIS BK |
| Apr 18, 2018 | Loan Modification, Mortgage · Line of Credit REGIONS BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 19, 2020 · Amount on Record |
| Deed Sale | Nov 19, 2020 · Amount on Record |
| Deed Document Number | 2020105384 |
| Deed Book / Page | 5103 / 1539 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 16 SHADY LAKE CT, SAINT AUGUSTINE, FL 32095-8977 |
| Transaction Type | Mortgage |
| Record Updated | Jun 14, 2022 |
| Name | Verified Name |
|---|---|
| Address | 16 SHADY LAKE CT, SAINT AUGUSTINE, FL 32095-8977 |
| Document Number | 0055690858 |
|---|---|
| Date | Jun 1, 2022 |
| Book Page | 5569/858 |
| Instrument | 2022054940 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28277 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 21, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 16 SHADY LAKE CT, SAINT AUGUSTINE, FL 32095-8977 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0050111069 |
|---|---|
| Date | Aug 7, 2020 |
| Book Page | 5011/1069 |
| Instrument | 2020065713 |
| Name | AMERIS BANK |
|---|---|
| Type | Bank |
| Address | JACKSONVILLE, FL 32256 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Nov 19, 2020 |
| Property Address | 16 SHADY LAKE CT, SAINT AUGUSTINE, FL 32095-8977 |
| Document Number | 0051031539 |
| Book / Page | 5103 / 1539 |
| Map Reference | MB 74 PG 86-98 |
| Instrument Date | Nov 18, 2020 |
| Instrument | 2020105384 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 28, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,399.60 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2120 CORP SQ # BLVD3, 2120, JACKSONVILLE, FL 32216-0306 |
| Name | Verified Name |
|---|---|
| Address | 16 SHADY LAKE CT, SAINT AUGUSTINE, FL 32095-8977 |
| Document Number | 0051031541 |
|---|---|
| Date | Nov 19, 2020 |
| Instrument | 5103/1541 |
| Name | STOCKTON MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 16 SHADY LAKE CT, SAINT AUGUSTINE, FL 32095-8977 |
| Document Number | 0050630173 |
| Instrument Date | Oct 1, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2020 |
| Title Company | ATTORNEY ONLY |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 2120 CORPORATE SQUARE BLVD #7 JACKSONVILLE FL 322161976, 7, JACKSONVILLE, FL 32216-1976 |
| Investor | Possibly a Property Investor |
| Document Number | 0050630173 |
|---|---|
| Date | Oct 6, 2020 |
| Book Page | 005063/000173 |
| Instrument | 87547 |
| Name | AMERIS BK |
|---|---|
| Type | Bank |
| Address | 10611 DEERWOOD PARK BLVD, JACKSONVILLE, FL 32256-0509 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Oct 5, 2021 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Apr 18, 2018 |
| Property Address | 16 SHADY LAKE CT, SAINT AUGUSTINE, FL 32095-8977 |
| Document Number | 0045330848 |
| Book / Page | 004533 / 000848 |
| Instrument Date | Apr 11, 2018 |
| Instrument | 26162 |
| Transaction Type | Mortgage |
| Record Updated | Aug 31, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 2120 CORPORATE SQUARE BLVD #7 JACKSONVILLE FL 322161976, 7, JACKSONVILLE, FL 32216-1976 |
| Document Number | 45330848 |
|---|---|
| Date | Apr 18, 2018 |
| Book Page | 004533/000848 |
| Instrument | 26162 |
| Name | REGIONS BK |
|---|---|
| Type | Bank |
| Address | 70 N BAYLEN ST, PENSACOLA, FL 32502-5613 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $412,419 (-7.31%) Land $100,000 Building $312,419 | $412,419 (-9.05%) Land $100,000 Building $312,419 | |
| 2025 | $5,804.00 (+12.02%) Homeowner's exemption | $444,933 (+5.99%) | $453,474 (+3.44%) Land $100,000 Building $353,474 |
| 2024 | $5,181.00 (+1.93%) | ||
| 2023 | $5,083.00 (+2.71%) Homeowner's exemption | $419,800 (+3%) | $438,381 (+7.56%) Land $100,000 Building $338,381 |
| 2022 | $4,949.00 Homeowner's exemption | $407,573 | $407,573 Land $84,000 Building $323,573 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 61% of the US · lower than 64% 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.
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 |
| Lead | 1 ppb (2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 75 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Fiber | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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