209 Watervale Dr, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 209 Watervale Dr, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,448 sqft · built 2020
Lot Size	0.16 acres (6,969 sqft)
Owner	2 Individual Names on File
Last Sale	$383,639 (Dec 2020)
Tax Bill	$4,828 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`026552-0220`

Property Details

APN / Parcel Number

Primary APN	`026552-0220`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	14 Plumbing Fixtures
Stories	2 Stories
Building Area	2,448 sqft Living Area
Gross Area	2,905 sqft
1st Floor Area	1,204 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

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	6,969 sqft (0.16 acres)
Garage Type	Attached
Garage Area	457 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	209 WATERVALE DR
City	SAINT AUGUSTINE
State	FL
Zip	32092-1773
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	100/48-61 HOLLY FOREST LOT 22 OR5138/324
Legal Range	28E
Legal Township	05S
Legal Section	30
Legal Subdivision	HOLLY FOREST
Legal Block	1
Legal Lot Number	22
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1005
Census Tract	20907

Owner

209 Watervale Dr is owned and occupied by two individuals who bought it in December 2020.

Source: St. Johns County records, as of April 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	209 WATERVALE DR, SAINT AUGUSTINE, FL 32092-1773
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2026	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST FEDERAL CREDIT UNION
Dec 30, 2020	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage JET HOMELOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2020 · Amount on File
Deed Sale	Dec 30, 2020 · Amount on File
Deed Document Number	2020119502
Deed Book / Page	5138 / 324
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Recording Date	Jul 15, 2026
Property Address	209 WATERVALE DR, SAINT AUGUSTINE, FL 32092-1773
Document Number	0000060787
Book / Page	6402 / 1014
Instrument Date	Jun 16, 2026
Instrument	202660787
Transaction Type	Mortgage
Record Updated	Jul 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	209 WATERVALE DR, SAINT AUGUSTINE, FL 32092-1773

Mortgage

Document Number	0000060787,
Date	Jul 15, 2026
Book Page	6402/1014
Instrument	202660787

Lender

Name	NORTHWEST FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jul 1, 2036

Interest

Rate Type	Fixed Rate
Rate	6.51%
Initial Type	Fixed Rate
Max Rate	-1%

December 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Dec 30, 2020
Property Address	209 WATERVALE DR, SAINT AUGUSTINE, FL 32092-1773
Document Number	0051380324
Book / Page	5138 / 324
Map Reference	MB 100 PG 48-61
Instrument Date	Dec 28, 2020
Instrument	2020119502
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 20, 2022
Title Company	GOLDEN DOG TITLE AND TRUST

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,685.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14701 PHILIPS HWY STE 300, 300, JACKSONVILLE, FL 32256-3742

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	209 WATERVALE DR, ST AUGUSTINE, FL 32092-1773

Mortgage

Document Number	0005138326
Date	Dec 30, 2020
Instrument	5138/326

Lender

Name	JET HOMELOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 209 Watervale Dr was $4,828 with a homeowner's exemption, up 12.3% from the year before.

Source: St. Johns County assessment roll, as of April 13, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$382,483 (+2.7%)	$419,841 (-5.06%) Land $110,000 Building $309,841
2025	$4,828.00 (+12.33%) Homeowner's exemption	$372,427 (+2.9%)	$442,230 (+0.82%) Land $110,000 Building $332,230
2024	$4,298.00 (+1.99%) Homeowner's exemption	$361,931 (+3%)	$438,623 (+8.17%) Land $110,000 Building $328,623
2023	$4,214.00 (+2.81%) Homeowner's exemption	$351,389 (+3%)	$405,506 (+4.91%) Land $95,000 Building $310,506
2022	$4,099.00 Homeowner's exemption	$341,154	$386,531 Land $89,600 Building $296,931

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 209 Watervale Dr 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 81 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	81 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

Wildfire risk around 209 Watervale Dr 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	JEA MAJOR GRID serves 826,664 people · EPA ID FL2161328
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 391 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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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