St. Johns County property record for 191 Fresnel Ln, Saint Augustine, FL 32095
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 3,614 sqft · built 2019 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $950,000 (May 2026) |
| Tax Bill | $10,982 (2025) |
| Deeds & Mortgages | Mar 2025 Line of Credit Oct 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 023721-0060 |
| Primary APN | 023721-0060 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 17 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 3,614 sqft Living Area |
| Gross Area | 4,384 sqft |
| 1st Floor Area | 2,840 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| 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 | 14,810 sqft (0.34 acres) |
| Garage Type | Attached |
| Garage Area | 770 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 238 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 191 FRESNEL LN |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32095-7515 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 89/53-88 BEACON LAKE PHASE 1 LOT 6 OR4720/602 |
| Legal Range | 28E |
| Legal Township | 05S |
| Legal Section | 10 |
| Legal Subdivision | BEACON LAKE PHASE 1 |
| Legal Phase | 1 |
| Legal Lot Number | 6 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2031 |
| Census Tract | 20904 |
191 Fresnel Ln is owned and occupied by two individuals who bought it in May 2026.
Source: St. Johns County records, as of June 10, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 191 FRESNEL LN, SAINT AUGUSTINE, FL 32095-7515 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
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 |
|---|---|
| Mar 28, 2025 | Deed of Trust, Mortgage · Line of Credit VYSTAR CU |
| Oct 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| May 29, 2026 | Warranty Deed, Transfer · Conventional Mortgage GENERATIONS BANK |
| May 29, 2026 | Warranty Deed, Transfer · Conventional Mortgage GENERATIONS BANK |
| May 6, 2019 | Special Warranty Deed, Transfer · Conventional Mortgage MATTAMY HOME FUNDING LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 29, 2026 · Amount on File |
| Deed Sale | May 29, 2026 · Amount on File |
| Prior Sale | May 18, 2020 · Amount on File |
| Deed Document Number | 202645951 |
| Deed Book / Page | 6372 / 1908 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 191 FRESNEL LN, SAINT AUGUSTINE, FL 32095-7515 |
| Transaction Type | Mortgage |
| Record Updated | Jun 17, 2026 |
| Name | Verified Name |
|---|---|
| Address | 191 FRESNEL LN, ST AUGUSTINE, FL 32095-7515 |
| Document Number | 0061201777 |
|---|---|
| Date | Mar 28, 2025 |
| Book Page | 6120/1777 |
| Instrument | 2025024001 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Apr 1, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 191 FRESNEL LN, SAINT AUGUSTINE, FL 32095-7515 |
| Transaction Type | Mortgage |
| Record Updated | Jun 17, 2026 |
| Name | Verified Name |
|---|---|
| Address | 191 FRESNEL LN, ST AUGUSTINE, FL 32095-7515 |
| Document Number | 0054011537 |
|---|---|
| Date | Oct 25, 2021 |
| Book Page | 5401/1537 |
| Instrument | 2021115705 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | May 29, 2026 |
| Property Address | 191 FRESNEL LN, SAINT AUGUSTINE, FL 32095-7515 |
| Document Number | 0000045951 |
| Book / Page | 6372 / 1908 |
| Instrument Date | May 29, 2026 |
| Instrument | 202645951 |
| Transaction Type | Transfer |
| Record Updated | Jun 10, 2026 |
| Title Company | HARBORVIEW TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $671,650.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 191 FRESNEL LN, SAINT AUGUSTINE, FL 32095-7515 |
| Document Number | 0000045952, |
|---|---|
| Date | May 29, 2026 |
| Instrument | 202645952 |
| Name | GENERATIONS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | May 29, 2026 |
| Property Address | 191 FRESNEL LN, SAINT AUGUSTINE, FL 32095-7515 |
| Document Number | 0063721908 |
| Book / Page | 6372 / 1908 |
| Instrument Date | May 29, 2026 |
| Instrument | 202645951 |
| Transaction Type | Transfer |
| Record Updated | Aug 26, 2026 |
| Title Company | HARBORVIEW TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $671,650.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 191 FRESNEL LN, SAINT AUGUSTINE, FL 32095-7515 |
| Document Number | 0000045952, |
|---|---|
| Date | May 29, 2026 |
| Instrument | 202645952 |
| Name | GENERATIONS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | May 6, 2019 |
| Property Address | 191 FRESNEL LN, SAINT AUGUSTINE, FL 32095-7515 |
| Document Number | 0047200602 |
| Book / Page | 4720 / 0602 |
| Map Reference | MB 89 PG 53-88 |
| Instrument Date | Apr 30, 2019 |
| Instrument | 2019031212 |
| Transaction Type | Transfer |
| Record Updated | Nov 26, 2021 |
| Title Company | SHEFFIELD & BOATRIGHT TTL SV |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,461.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7800 BELFORT PKWY, 7800, JACKSONVILLE, FL 32256-6941 |
| Name | Verified Name |
|---|---|
| Address | 191 FRESNEL LN, SAINT AUGUSTINE, FL 32095-7515 |
| Document Number | 2019031213 |
|---|---|
| Date | May 6, 2019 |
| Instrument | 2019031213 |
| Name | MATTAMY HOME FUNDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2049 |
The 2025 property tax bill for 191 Fresnel Ln was $10,982 with a homeowner's exemption, up 15.3% 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 | $573,251 (+2.7%) | $714,953 (-6.19%) Land $120,000 Building $594,953 | |
| 2025 | $10,982.00 (+15.33%) Homeowner's exemption | $558,180 (+13.35%) | $762,105 (+8.06%) Land $120,000 Building $642,105 |
| 2024 | $9,522.00 (+3.07%) Homeowner's exemption | $492,449 (+3%) | $705,240 (+8.48%) Land $120,000 Building $585,240 |
| 2023 | $9,238.00 (+3.02%) Homeowner's exemption | $478,106 (+3%) | $650,106 (+11.73%) Land $120,000 Building $530,106 |
| 2022 | $8,967.00 Homeowner's exemption | $464,181 | $581,842 Land $95,200 Building $486,642 |
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.
FEMA maps place 191 Fresnel Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 File 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.
Wildfire risk around 191 Fresnel Ln is moderate, ranking above 55% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 55% of the US · lower than 73% 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 |
| Also Mapped Here | SJCU-CR214 MAINLAND WTP |
| 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 123 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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