St. Johns County property record for 190 Osprey Mills Ln, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,790 sqft · built 2020 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $420,000 (Apr 2023) |
| Tax Bill | $7,936 (2025) |
| Deeds & Mortgages | Apr 2022 Mortgage Jan 2022 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 029011-5090 |
| Primary APN | 029011-5090 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,790 sqft Living Area |
| Gross Area | 2,297 sqft |
| 1st Floor Area | 1,790 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 | 8,712 sqft (0.2 acres) |
| Garage Type | Attached |
| Garage Area | 507 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 171 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 190 OSPREY MILLS LN |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-5502 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 95/15-24 WHISPER CREEK PHASE 5 UNIT A LOT 509 OR5747/1071 |
| Legal Range | 28E |
| Legal Township | 06S |
| Legal Section | 38 |
| Legal Subdivision | WHISPER CREEK PHASE 5 UNIT A |
| Legal Phase | 5 |
| Legal Block | 1 |
| Legal Lot Number | 509 |
| Legal Unit | A |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 4 |
| Census Block | 4021 |
| Census Tract | 20905 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 190 OSPREY MILLS LN, SAINT AUGUSTINE, FL 32092-5502 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 25, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jan 24, 2022 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Apr 28, 2023 | Warranty Deed, Transfer LANDMARK TITLE, LANDMARK TITLE LLC |
| Oct 5, 2020 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage HOME AMERICAN MORTGAGE CORP |
| Dec 10, 2019 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 28, 2023 · Amount on Record |
| Deed Sale | Apr 28, 2023 · Amount on Record |
| Prior Sale | Oct 5, 2020 · Amount on Record |
| Deed Document Number | 202331958 |
| Deed Book / Page | 5747 / 1071 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 190 OSPREY MILLS LN, SAINT AUGUSTINE, FL 32092-5502 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0055440454 |
|---|---|
| Date | Apr 25, 2022 |
| Book Page | 5544/454 |
| Instrument | 2022042078 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 190 OSPREY MILLS LN, SAINT AUGUSTINE, FL 32092-5502 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 190 OSPREY MILLS LN, SAINT AUGUSTINE, FL 32092-5502 |
| Document Number | 0054751396 |
|---|---|
| Date | Jan 24, 2022 |
| Book Page | 5475/1396 |
| Instrument | 2022008040 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 345 Months |
| Due | Oct 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Apr 28, 2023 |
| Property Address | 190 OSPREY MILLS LN, SAINT AUGUSTINE, FL 32092-5502 |
| Document Number | 0057471071 |
| Book / Page | 5747 / 1071 |
| Map Reference | MB 95 PG 15-24 |
| Instrument Date | Apr 20, 2023 |
| Instrument | 2023031958 |
| Transaction Type | Transfer |
| Record Updated | May 23, 2023 |
| Title Company | LANDMARK TITLE, LANDMARK TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,940.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2302 RAVEN RIDGE RD, MINNEOLA, FL 34715-9348 |
| Name | Verified Name |
|---|---|
| Address | 190 OSPREY MILLS LN, ST AUGUSTINE, FL 32092-5502 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Oct 5, 2020 |
| Property Address | 190 OSPREY MILLS LN, SAINT AUGUSTINE, FL 32092-5502 |
| Document Number | 0050620355 |
| Book / Page | 5062 / 355 |
| Map Reference | MB 95 PG 15-24 |
| Instrument Date | Sep 29, 2020 |
| Instrument | 2020087127 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 2, 2022 |
| Title Company | AMERICAN HOME T&E CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,851.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10255 FORTUNE PKWY # 150, 10255, JACKSONVILLE, FL 32256-6502 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 190 OSPREY MILLS LN, SAINT AUGUSTINE, FL 32092-5502 |
| Document Number | 0005062356 |
|---|---|
| Date | Oct 5, 2020 |
| Instrument | 5062/356 |
| Name | HOME AMERICAN MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Dec 10, 2019 |
| Property Address | 190 OSPREY MILLS LN, SAINT AUGUSTINE, FL 32092-5502 |
| Document Number | 0048460985 |
| Book / Page | 004846 / 000985 |
| Instrument Date | Dec 6, 2019 |
| Instrument | 92457 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $19,320.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Partnership |
| Address | 10255 FORTUNE PKWY #150 JACKSONVILLE FL 322566502, 150, JACKSONVILLE, FL 32256-6502 |
| Investor | Possibly a Property Investor |
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 | $380,164 (+4.09%) Land $100,000 Building $280,164 | $380,164 (+4.09%) Land $100,000 Building $280,164 | |
| 2025 | $7,936.00 (+5.41%) | $365,219 (-0.26%) | $365,219 (-0.26%) Land $100,000 Building $265,219 |
| 2024 | $7,529.00 (+11.41%) | $366,171 (+14.32%) | $366,171 (+14.32%) Land $100,000 Building $266,171 |
| 2023 | $6,758.00 (+4.18%) | $320,314 (+5.67%) | $320,314 (+5.67%) Land $84,000 Building $236,314 |
| 2022 | $6,487.00 | $303,123 | $303,123 Land $84,000 Building $219,123 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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.
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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