St. Johns County property record for 208 Joseph Lake Ct, Saint Augustine, FL 32095
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,286 sqft · built 2007 |
| Lot Size | 0.23 acres (10,018 sqft) |
| Owner | Individual Name on File |
| Last Sale | $265,900 (Aug 2018) |
| Tax Bill | $3,378 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage Aug 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 026483-1190 |
| Primary APN | 026483-1190 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,286 sqft Living Area |
| Gross Area | 2,727 sqft |
| 1st Floor Area | 2,286 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,018 sqft (0.23 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 248 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 208 JOSEPH LAKE CT |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32095-8946 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 62/25-35 SANDY CREEK PHASE 1 LOT 119 OR4593/1261 |
| Legal Range | 28E |
| Legal Township | 05S |
| Legal Section | 21 |
| Legal Subdivision | SANDY CREEK PHASE 1 |
| Legal Phase | 1 |
| Legal Block | 2 |
| Legal Lot Number | 119 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2050 |
| Census Tract | 20904 |
208 Joseph Lake Ct is owned and occupied by an individual who bought it in August 2018.
Source: St. Johns County records, as of June 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 100 STARGAZE LN, SAINT AUGUSTINE, FL 32095-7632 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Oct 29, 2020 | Deed of Trust, Mortgage · VA Mortgage USAA FSB |
| Aug 8, 2018 | Warranty Deed, Transfer · VA Mortgage USAA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 8, 2018 · Amount on File |
| Deed Sale | Aug 8, 2018 · Amount on File |
| Prior Sale | May 1, 2016 |
| Deed Document Number | 201857250 |
| Deed Book / Page | 4593 / 1261 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 208 JOSEPH LAKE CT, SAINT AUGUSTINE, FL 32095-8946 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0050841215 |
|---|---|
| Date | Oct 29, 2020 |
| Book Page | 5084/1215 |
| Instrument | 2020096756 |
| Name | USAA FSB |
|---|---|
| Type | Bank |
| Address | SAN ANTONIO, TX 78288 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Aug 8, 2018 |
| Property Address | 208 JOSEPH LAKE CT, SAINT AUGUSTINE, FL 32095-8946 |
| Document Number | 0045931261 |
| Book / Page | 004593 / 001261 |
| Instrument Date | Aug 2, 2018 |
| Instrument | 57250 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,861.30 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 208 JOSEPH LAKE CT ST AUGUSTINE FL 320958946, ST AUGUSTINE, FL 32095-8946 |
| Document Number | 45931263 |
|---|---|
| Date | Aug 8, 2018 |
| Book Page | 004593/001263 |
| Instrument | 57251 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 7, 2048 |
The 2025 property tax bill for 208 Joseph Lake Ct was $3,378 with a homeowner's exemption, up 13.1% 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 | $271,959 (+2.7%) | $359,977 (-6.92%) Land $100,000 Building $259,977 | |
| 2025 | $3,378.00 (+13.13%) Homeowner's exemption | $264,809 | $386,738 Land $100,000 Building $286,738 |
| 2024 | $2,986.00 (+2.05%) | ||
| 2023 | $2,926.00 (+3.14%) Homeowner's exemption | $249,850 (+3%) | $380,948 (+7.28%) Land $100,000 Building $280,948 |
| 2022 | $2,837.00 Homeowner's exemption | $242,573 | $355,110 Land $84,000 Building $271,110 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 208 Joseph Lake Ct in Zone X, an area of minimal flood risk.
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 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 208 Joseph Lake Ct is moderate, ranking above 56% 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 56% of the US · lower than 72% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% 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-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 120 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 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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