191 Otsego Ln, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 191 Otsego Ln, Saint Augustine, FL 32092 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	built 2026
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$441,000 (May 2026)
Tax Bill	$1,212 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`026941-3620`

Property Details

APN / Parcel Number

Primary APN	`026941-3620`

Exterior

Year Built	Built 2026
Lot Area	8,712 sqft (0.2 acres)

Location & Zoning

Street Address	191 OTSEGO LN
City	SAINT AUGUSTINE
State	FL
Zip	32092-1322
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	123/61-68 SILVER FALLS (SILVERLEAF PARCEL 22A) PHASE 3 LOT 362 OR6275/147
Legal Block	1
Legal Lot Number	362
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	4
Census Block	4006
Census Tract	20908

Owner

Source: St. Johns County records · APN 026941-3620

Assessment roll updated April 13, 2026 · Last verified June 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 File
Mailing Address	191 OTSEGO LN, SAINT AUGUSTINE, FL 32092-1322
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 28, 2026 · Amount on Record
Deed Sale	May 28, 2026 · Amount on Record
Deed Document Number	202645384
Deed Book / Page	6371 / 1213
Record Updated	Sep 20, 2026

May 2026: Special Warranty Deed

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	May 28, 2026
Property Address	191 OTSEGO LN, SAINT AUGUSTINE, FL 32092-1322
Document Number	0000045384
Book / Page	6371 / 1213
Instrument Date	May 21, 2026
Instrument	202645384
Record Updated	Jun 09, 2026
Title Company	LENNAR TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$311,787.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	191 OTSEGO LN, SAINT AUGUSTINE, FL 32092-1322

Mortgage

Document Number	0000045385,
Date	May 28, 2026
Instrument	202645385

Lender

Name	LENNAR MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Florida
County	St. Johns County
Unified School District	St. Johns County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$100,000 (+11.11%) Land $100,000	$100,000 (+11.11%) Land $100,000
2025	$1,212.00	$90,000	$90,000 Land $90,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090209084, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 110 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	110 in force

Wildfire

Wildfire Risk	Moderate above 66% of the US · above 43% of Florida
Wildfire Likelihood	About 1 in 413 per year
Exposure	Direct burnable vegetation at the parcel

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.