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225 Willow Lake Dr, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 225 Willow Lake Dr, Saint Augustine, FL 32092

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,909 sqft · built 2020
Lot Size0.15 acres (6,534 sqft)
Owner2 Individual Names on Record
Last Sale$286,206 (Sep 2020)
Tax Bill$5,231 (2025)
Deeds & MortgagesSep 2020 Sale & Mortgage
Jun 2020 Loan Modification
+ 1 more
Flood ZoneZone X (minimal risk)
APN028991-2940

Property Details

APN / Parcel Number

Primary APN028991-2940

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures11 Plumbing Fixtures
Stories1 Story
Building Area1,909 sqft Living Area
Gross Area2,553 sqft
1st Floor Area1,909 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2020
Exterior MaterialConcrete
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area6,534 sqft (0.15 acres)
Garage TypeAttached
Garage Area420 sqft
Parking Spaces2 Parking Spaces
PorchFinished Screened Porch
Porch Area224 sqft
Patio Area512 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address225 WILLOW LAKE DR
CitySAINT AUGUSTINE
StateFL
Zip32092-9343
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description93/36-44 GRAN LAKE PHASE 2 LOT 294 OR5045/498
Legal Range28E
Legal Township07S
Legal Section41
Legal SubdivisionGRAN LAKE PHASE 2
Legal Phase2
Legal Block1
Legal Lot Number294
JurisdictionST JOHNS FL
Township / Civil DivisionST. AUGUSTINE
Census Block Group1
Census Block1002
Census Tract20906

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address225 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9343
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 17, 2020Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
JET HOMELOANS LLC
Jun 30, 2020Loan Modification, Mortgage
HOUSING CAP
Apr 28, 2020Loan Modification, Mortgage
HOUSING CAP

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 17, 2020 · Amount on Record
Deed SaleSep 17, 2020 · Amount on Record
Deed Document Number202079743
Deed Book / Page5045 / 498
Record UpdatedJun 8, 2026

September 2020: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateSep 17, 2020
Property Address225 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9343
Document Number0050450498
Book / Page5045 / 498
Map ReferenceMB 93 PG 36-44
Instrument DateSep 16, 2020
Instrument2020079743
Transaction TypeSubdivision Related Transfer
Record UpdatedAug 31, 2021
Title CompanyGOLDEN DOG TITLE & TRUST

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,004.10
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address14701 PHILIPS HWY STE 300, 14701, JACKSONVILLE, FL 32256-3742

Transferred To (Grantee/Buyer)

NameVerified Name
Address225 WILLOW LAKE DR, ST AUGUSTINE, FL 32092-9343

Mortgage

Document Number5045500
DateSep 17, 2020
Instrument5045/500
Lender
NameJET HOMELOANS LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 1, 2050

June 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionST JOHNS FL
Property Address225 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9343
Document Number0049980047
Instrument DateJun 30, 2020
Transaction TypeMortgage
Record UpdatedAug 18, 2020
Title CompanyOTHER

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address14701 PHILIPS HWY JACKSONVILLE FL 322563743, JACKSONVILLE, FL 32256-3743

Mortgage

Document Number0049980047
DateJul 24, 2020
Book Page004998/000047
Instrument60078
Lender
NameHOUSING CAP
TypeFunding / Finance Company
Address13737 NOEL RD, DALLAS, TX 75240-1331
Agreement
AmountAmount Recorded
Term12 Months
DueJul 23, 2021

April 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionST JOHNS FL
Property Address225 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9343
Document Number0049330703
Instrument DateApr 28, 2020
Transaction TypeMortgage
Record UpdatedJul 9, 2020
Title CompanyOTHER

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address14701 PHILIPS HWY JACKSONVILLE FL 322563743, JACKSONVILLE, FL 32256-3743

Mortgage

Document Number0049330703
DateApr 30, 2020
Book Page004933/000703
Instrument33284
Lender
NameHOUSING CAP
TypeFunding / Finance Company
Address13737 NOEL RD # 800, DALLAS, TX 75240-1331
Agreement
AmountAmount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountySt. Johns County
Unified School DistrictSt. Johns County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$408,101 (+1.42%) Land $125,000 Building $283,101$408,101 (+1.42%) Land $125,000 Building $283,101
2025$5,231.00 (+8.82%) Homeowner's exemption$402,403 (-0.04%)$402,403 (-1.56%) Land $115,000 Building $287,403
2024$4,807.00 (+1.95%) Homeowner's exemption$402,550 (+3%)$408,768 (+4.59%) Land $110,000 Building $298,768
2023$4,715.00 (+17.7%) Homeowner's exemption$390,825 (+20.74%)$390,825 (+20.74%) Land $106,000 Building $284,825
2022$4,006.00$323,688$323,688 Land $84,000 Building $239,688

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 15, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 62 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies62 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 45% of the US · lower than 84% of Florida
Wildfire Likelihood0.08% annual chance
ExposureNone
beyond ember reach

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 SystemSJCU-CR214 MAINLAND WTP
serves 66,953 people · EPA ID FL2554447
Water SourceGroundwater
Last State InspectionAug 2025
LeadUnder 1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting6
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 245 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Xfinity
Fiber · Cable in parts of the area		2,000 / 250
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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