220 Watervale Dr, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 220 Watervale Dr, Saint Augustine, FL 32092 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2.5 Baths
Year Built	Built 2020
Square Footage	2,428 sqft Living Area
Lot Size	9,583 sqft (0.22 acres)
Occupancy	Owner Occupied
Last Sale	$411,213 (2020)
Tax Bill	$4,812.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`026552-0120`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Partial Baths	1 Partial Baths
Plumbing Fixtures	12 Plumbing Fixtures
Building Area	2,428 sqft Living Area
Gross Area	2,845 sqft Gross Area
1st Floor	1,184 sqft 1st Floor
Stories	2 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Concrete Exterior
Construction Type	Wood Construction
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	9,583 sqft (0.22 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Attached Garage
Garage Area	417 sqft Garage
Patio Area	40 sqft Patio

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air with Air Conditioning Heating

Location & Zoning

Street Address	220 WATERVALE DR
City	SAINT AUGUSTINE
State	FL
Zip	32092-1774
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	100/48-61 HOLLY FOREST LOT 12 OR5079/1703
Legal Range	28E
Legal Township	05S
Legal Section	30
Legal Subdivision	HOLLY FOREST
Legal Block	1
Legal Lot Number	12
Jurisdiction	ST JOHNS FL
Minor Civil Division	ST. AUGUSTINE
Census Blockgroup	1
Census Block	1005
Census Tract	20907

Owner

Source: St. Johns County records · APN 026552-0120

Assessment roll updated April 13, 2026 · Last verified July 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 File
Mailing Address	220 WATERVALE DR, SAINT AUGUSTINE, FL 32092-1774
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 23, 2020 · Amount on Record
Deed Sale	Oct 23, 2020 · Amount on Record
Deed Doc Number	202094769
Deed Book / Page	5079 / 1703
Record Refreshed	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Recording Date	Jul 02, 2026
Property Address	220 WATERVALE DR, SAINT AUGUSTINE, FL 32092-1774
Document Number	0000056631
Book / Page	6394 / 659
Instrument Date	Jun 26, 2026
Instrument	202656631
Transaction Type	Mortgage
Record Updated	Jul 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 WATERVALE DR, SAINT AUGUSTINE, FL 32092-1774

Mortgage

Document Number	0000056631,
Date	Jul 02, 2026
Book Page	6394/659
Instrument	202656631

Lender

Name	UNION CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Sep 26, 2036

Interest

Rate Type	Adjustable Rate
Rate	6.53%
Initial Type	Adjustable Rate
Adjustable	Document includes a rider for adjustable-rate mortgage with a specific rate change date.
Max Rate	-1%

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified July 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 and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$381,318 (+2.7%)	$418,485 (-5.08%) Land $110,000 Building $308,485
2025	$4,812.00 (+12.32%) Homeowner's exemption	$371,293 (+2.9%)	$440,884 (+0.82%) Land $110,000 Building $330,884
2024	$4,284.00 (+1.98%) Homeowner's exemption	$360,829 (+3%)	$437,307 (+8.17%) Land $110,000 Building $327,307
2023	$4,201.00 (+2.84%) Homeowner's exemption	$350,319 (+3%)	$404,261 (+4.91%) Land $95,000 Building $309,261
2022	$4,085.00 Homeowner's exemption	$340,116	$385,342 Land $89,600 Building $295,742

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 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
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Moderate above 56% of the US · above 27% of Florida
Wildfire Likelihood	About 1 in 714 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.