St. Johns County property record for 187 Ferndale Way, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,893 sqft · built 2020 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | Individual Name on File |
| Last Sale | $430,000 (May 2023) |
| Tax Bill | $6,810 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Aug 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 029011-6810 |
| Primary APN | 029011-6810 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,893 sqft Living Area |
| Gross Area | 2,479 sqft |
| 1st Floor Area | 1,893 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 | 6,534 sqft (0.15 acres) |
| Garage Type | Attached |
| Garage Area | 444 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 142 sqft |
| Patio Area | 60 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 187 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 681 OR5756/305 |
| Legal Range | 28E |
| Legal Township | 06S |
| Legal Section | 38 |
| Legal Subdivision | WHISPER CREEK PHASE 8 |
| Legal Phase | 8 |
| Legal Block | 1 |
| Legal Lot Number | 681 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 4 |
| Census Block | 4022 |
| Census Tract | 20905 |
187 Ferndale Way is owned and occupied by an individual who bought it in May 2023.
Source: St. Johns County records, as of April 13, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 187 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7644 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Mar 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Aug 24, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SPRING EQ LLC |
| May 11, 2023 | Warranty Deed, Transfer LANDMARK TITLE, LANDMARK TITLE LLC |
| Apr 30, 2020 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage JET HOMELOANS LLC |
| Jan 16, 2020 | Grant Deed, Transfer DF TITLE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 11, 2023 · Amount on File |
| Deed Sale | May 11, 2023 · Amount on File |
| Prior Sale | Apr 30, 2020 · Amount on File |
| Deed Document Number | 202336316 |
| Deed Book / Page | 5756 / 305 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 187 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7644 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0052010986 |
|---|---|
| Date | Mar 9, 2021 |
| Book Page | 5201/986 |
| Instrument | 2021026040 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 187 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7644 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 187 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7644 |
| Document Number | 0053501535 |
|---|---|
| Date | Aug 24, 2021 |
| Book Page | 5350/1535 |
| Instrument | 2021093213 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | PHILADELPHIA, PA 19104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Sep 1, 2041 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | May 11, 2023 |
| Property Address | 187 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7644 |
| Document Number | 0057560305 |
| Book / Page | 5756 / 305 |
| Map Reference | MB 92 PG 37-45 |
| Instrument Date | May 3, 2023 |
| Instrument | 2023036316 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2025 |
| Title Company | LANDMARK TITLE, LANDMARK TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $3,010.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 533 BATTERSEA DR, ST AUGUSTINE, FL 32095-8406 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 187 FERNDALE WAY, ST AUGUSTINE, FL 32092-7644 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Apr 30, 2020 |
| Property Address | 187 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7644 |
| Document Number | 0049330303 |
| Book / Page | 4933 / 303 |
| Map Reference | MB 92 PG 37-45 |
| Instrument Date | Apr 28, 2020 |
| Instrument | 2020033213 |
| 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 | $1,828.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14701 PHILIPS HWY STE 300, 14701, JACKSONVILLE, FL 32256-3742 |
| Name | Verified Name |
|---|---|
| Address | 187 FEMDALE WAY, SAINT AUGUSTINE, FL 32092 |
| Document Number | 49330305 |
|---|---|
| Date | Apr 30, 2020 |
| Instrument | 4933/0305 |
| Name | JET HOMELOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jan 16, 2020 |
| Property Address | 187 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7644 |
| Document Number | 0048670643 |
| Book / Page | 004867 / 000643 |
| Instrument Date | Jan 14, 2020 |
| Instrument | 3950 |
| Transaction Type | Transfer |
| Record Updated | Feb 3, 2020 |
| Title Company | DF TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $1,045.00 |
| 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 |
The 2025 property tax bill for 187 Ferndale Way was $6,810 with a homeowner's exemption, up 7.8% 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 | $343,557 (-0.24%) Land $90,000 Building $253,557 | $343,557 (-2.99%) Land $90,000 Building $253,557 | |
| 2025 | $6,810.00 (+7.82%) Homeowner's exemption | $344,386 (+2.9%) | $354,131 (-6.52%) Land $95,000 Building $259,131 |
| 2024 | $6,316.00 (+19.46%) Homeowner's exemption | $334,680 (+33.35%) | $378,812 (+8.21%) Land $100,000 Building $278,812 |
| 2023 | $5,287.00 (+1.71%) Homeowner's exemption | $250,984 (+3%) | $350,080 (+9.54%) Land $84,000 Building $266,080 |
| 2022 | $5,198.00 Homeowner's exemption | $243,674 | $319,597 Land $84,000 Building $235,597 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 187 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 187 Ferndale Way is moderate, ranking above 44% of the US, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 44% of the US · lower than 85% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% 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-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 84 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Fiber · Cable in parts of the area | 2,000 / 2,000 |
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