St. Johns County property record for 23 Shady Lake Ct, Saint Augustine, FL 32095
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,506 sqft · built 2020 |
| Lot Size | 0.39 acres (16,988 sqft) |
| Owner | Company Name on Record |
| Last Sale | $353,820 (Jan 2020) |
| Tax Bill | $4,611 (2025) |
| Deeds & Mortgages | Mar 2022 Line of Credit Sep 2021 Transfer + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 026484-0970 |
| Primary APN | 026484-0970 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,506 sqft Living Area |
| Gross Area | 3,136 sqft |
| 1st Floor Area | 2,506 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| 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 | 16,988 sqft (0.39 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 190 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 23 SHADY LAKE CT |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32095-8977 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 74/86-98 SANDY CREEK PHASES 2A AND 2B LOT 97 OR4867/881 & 5376/1903 |
| Legal Range | 28E |
| Legal Township | 05S |
| Legal Section | 21 |
| Legal Subdivision | SANDY CREEK PHASES 2A AND 2B |
| Legal Block | 1 |
| Legal Lot Number | 97 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2050 |
| Census Tract | 20904 |
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 Record | Company Name on Record |
|---|---|
| Mailing Address | 23 SHADY LAKE CT, SAINT AUGUSTINE, FL 32095-8977 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Living Trust |
| Date | Document |
|---|---|
| Mar 22, 2022 | Deed of Trust, Mortgage · Line of Credit PENTAGON FCU |
| Sep 23, 2021 | Intrafamily Transfer, Transfer ACCOMMODATION |
| Oct 27, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AFI FINANCIAL INC AFI FINANCIAL INC |
| Jan 17, 2020 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage PLAZA HOME MORTGAGE INC |
| Apr 18, 2018 | Loan Modification, Mortgage · Line of Credit REGIONS BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 17, 2020 · Amount on Record |
| Deed Sale | Jan 17, 2020 · Amount on Record |
| Deed Document Number | 20204013 |
| Deed Book / Page | 4867 / 881 |
| Last Transfer Date | Jun 3, 2021 |
| Transfer Doc | 0053761903 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 23 SHADY LAKE CT, SAINT AUGUSTINE, FL 32095-8977 |
| Transaction Type | Mortgage |
| Record Updated | Apr 7, 2022 |
| Name | Verified Name |
|---|---|
| Address | 23 SHADY LAKE CT, SAINT AUGUSTINE, FL 32095-8977 |
| Document Number | 0055201902 |
|---|---|
| Date | Mar 22, 2022 |
| Book Page | 5520/1902 |
| Instrument | 2022030298 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Address | MC LEAN, VA 22102 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 30, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Sep 23, 2021 |
| Property Address | 23 SHADY LAKE CT, SAINT AUGUSTINE, FL 32095-8977 |
| Document Number | 0053761903 |
| Book / Page | 5376 / 1903 |
| Map Reference | MB 74 PG 86-98 |
| Instrument Date | Jun 3, 2021 |
| Instrument | 2021104643 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 23 SHADY LAKE CT, SAINT AUGUSTINE, FL 32095-8977 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 23 SHADY LAKE CT, SAINT AUGUSTINE, FL 32095-8977 |
| Document Number | 0050921330 |
| Instrument Date | Oct 27, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 23 SHADY LAKE CT ST AUGUSTINE FL 320958977, ST AUGUSTINE, FL 32095-8977 |
| Document Number | 0050921330 |
|---|---|
| Date | Nov 6, 2020 |
| Book Page | 005092/001330 |
| Instrument | 100234 |
| Name | AFI FINANCIAL INC AFI FINANCIAL INC |
|---|---|
| Type | Bank |
| Address | NORTHVILLE TOWNSHIP, MI 48167 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Nov 5, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jan 17, 2020 |
| Property Address | 23 SHADY LAKE CT, SAINT AUGUSTINE, FL 32095-8977 |
| Document Number | 0048670881 |
| Book / Page | 4867 / 0881 |
| Map Reference | MB 74 PG 86-98 |
| Instrument Date | Jan 15, 2020 |
| Instrument | 2020004013 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 31, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,477.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2120 CORP SQ # BLVD3, 2120, JACKSONVILLE, FL 32216-0306 |
| Name | Verified Name |
|---|---|
| Address | 23 SHADY LAKE CT, SAINT AUGUSTINE, FL 32095-8977 |
| Document Number | 48670883 |
|---|---|
| Date | Jan 17, 2020 |
| Instrument | 4867/0883 |
| Name | PLAZA HOME MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Apr 18, 2018 |
| Property Address | 23 SHADY LAKE CT, SAINT AUGUSTINE, FL 32095-8977 |
| Document Number | 0045330848 |
| Book / Page | 004533 / 000848 |
| Instrument Date | Apr 11, 2018 |
| Instrument | 26162 |
| Transaction Type | Mortgage |
| Record Updated | Aug 31, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 2120 CORPORATE SQUARE BLVD #7 JACKSONVILLE FL 322161976, 7, JACKSONVILLE, FL 32216-1976 |
| Document Number | 45330848 |
|---|---|
| Date | Apr 18, 2018 |
| Book Page | 004533/000848 |
| Instrument | 26162 |
| Name | REGIONS BK |
|---|---|
| Type | Bank |
| Address | 70 N BAYLEN ST, PENSACOLA, FL 32502-5613 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $365,926 (+2.7%) | $419,903 (-9.59%) Land $100,000 Building $319,903 | |
| 2025 | $4,611.00 (+12.44%) Homeowner's exemption | $356,306 (+5.99%) | $464,428 (+3.39%) Land $100,000 Building $364,428 |
| 2024 | $4,101.00 (+1.99%) | ||
| 2023 | $4,021.00 (+2.84%) Homeowner's exemption | $336,179 (+3%) | $449,208 (+6.36%) Land $100,000 Building $349,208 |
| 2022 | $3,910.00 Homeowner's exemption | $326,387 | $422,350 Land $89,600 Building $332,750 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 61% of the US · lower than 64% 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.
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 75 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Fiber | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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