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

St. Johns County property record for 234 Willow Lake Dr, Saint Augustine, FL 32092

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,904 sqft · built 2019
Lot Size0.15 acres (6,534 sqft)
Owner2 Individual Names on Record
Last Sale$334,900 (Mar 2021)
Tax Bill$4,993 (2025)
Deeds & MortgagesApr 2025 Transfer
Mar 2021 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN028991-1690

Property Details

APN / Parcel Number

Primary APN028991-1690

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures10 Plumbing Fixtures
Stories1 Story
Building Area1,904 sqft Living Area
Gross Area2,345 sqft
1st Floor Area1,904 sqft
FlooringWood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2019
Effective Year BuiltEffective 2019
Exterior MaterialConcrete
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area6,534 sqft (0.15 acres)
Garage TypeAttached
Garage Area441 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Open Porch
Porch Area208 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address234 WILLOW LAKE DR
CitySAINT AUGUSTINE
StateFL
Zip32092-9342
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description93/36-44 GRAN LAKE PHASE 2 LOT 169 OR5194/140 & 6129/1261(DM) & 6138/795(Q/C)
Legal Range28E
Legal Township07S
Legal Section41
Legal SubdivisionGRAN LAKE PHASE 2
Legal Phase2
Legal Block1
Legal Lot Number169
JurisdictionST JOHNS FL
Township / Civil DivisionST. AUGUSTINE
Census Block Group1
Census Block1000
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 Address234 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9342
OccupancyOwner Occupied
Owner TypeIndividual
VestingSingle Woman

Deeds, Mortgages & Sale History

DateDocument
Apr 28, 2025Quit Claim Deed, Transfer
ACCOMODATION, ACCOMMODATION
Mar 2, 2021Warranty Deed, Transfer · FHA Mortgage
CARDINAL FINANCIAL COMPANY LP
Feb 5, 2020Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
JET HOMELOANS LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 2, 2021 · Amount on Record
Deed SaleMar 2, 2021 · Amount on Record
Prior SaleFeb 5, 2020 · Amount on Record
Deed Document Number202122947
Deed Book / Page5194 / 140
Last Transfer DateApr 25, 2025
Transfer Doc0061380795
Record UpdatedJun 8, 2026

April 2025: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionST JOHNS FL
Recording DateApr 28, 2025
Property Address234 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9342
Document Number0061380795
Book / Page6138 / 795
Map ReferenceMB 93 PG 36
Instrument DateApr 25, 2025
Instrument2025032761
Transaction TypeTransfer
Record UpdatedOct 23, 2025
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address234 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9342

March 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateMar 2, 2021
Property Address234 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9342
Document Number0051940140
Book / Page5194 / 140
Map ReferenceMB 93 PG 36-44
Instrument DateFeb 26, 2021
Instrument2021022947
Transaction TypeTransfer
Record UpdatedOct 23, 2025
Title CompanyGIBRALTAR TITLE COMPANY, GIBRALTAR TITLE SERVICES LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,344.30
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address173 ASHCREST PT, HENDERSONVILLE, TN 37075-0604

Transferred To (Grantee/Buyer)

NameVerified Name
Address234 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9342

Mortgage

Document Number0005194142
DateMar 2, 2021
Instrument5194/142
Lender
NameCARDINAL FINANCIAL COMPANY LP
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueMar 1, 2051

February 2020: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateFeb 5, 2020
Property Address234 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9342
Document Number0048771580
Book / Page4877 / 1580
Map ReferenceMB 93 PG 36-44
Instrument DateJan 3, 2020
Instrument2020009149
Transaction TypeSubdivision Related Transfer
Record UpdatedAug 31, 2021
Title CompanyGOLDEN DOG TITLE & TRUST

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,967.00
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
Address234 WILLOW LAKE DR, ST AUGUSTINE, FL 32092-9342

Mortgage

Document Number48771582
DateFeb 5, 2020
Instrument4877/1582
Lender
NameJET HOMELOANS LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 1, 2050

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$395,053 (+2.7%)$398,734 (+0.36%) Land $125,000 Building $273,734
2025$4,993.00 (-6.86%) Homeowner's exemption$384,667 (-5.54%)$397,306 (-2.44%) Land $115,000 Building $282,306
2024$5,361.00 (+2.68%)$407,224 (+4.06%)$407,224 (+4.06%) Land $110,000 Building $297,224
2023$5,221.00 (+33.19%)$391,328 (+19.6%)$391,328 (+16.25%) Land $106,000 Building $285,328
2022$3,920.00 Homeowner's exemption$327,192$336,640 Land $84,000 Building $252,640

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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