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

St. Johns County property record for 245 Willow Lake Dr, Saint Augustine, FL 32092

Property Summary

Property TypeSingle Family Home
Details5 bd · 3 ba · 2,290 sqft · built 2020
Lot Size0.15 acres (6,534 sqft)
OwnerIndividual Name on Record
Last Sale$518,000 (Mar 2022)
Tax Bill$5,483 (2025)
Deeds & MortgagesJan 2023 Transfer
Mar 2022 Sale & Mortgage
+ 5 more
Flood ZoneZone X (minimal risk)
APN028991-2920

Property Details

APN / Parcel Number

Primary APN028991-2920

Interior

Bedrooms5 Beds
Full Baths3 Baths
Plumbing Fixtures13 Plumbing Fixtures
Stories1 Story
Building Area2,290 sqft Living Area
Gross Area2,710 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/Open Porch
Porch Area224 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address245 WILLOW LAKE DR
CitySAINT AUGUSTINE
StateFL
Zip32092-9343
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description93/36-44 GRAN LAKE PHASE 2 LOT 292 OR5526/148 & 5693/1089(Q/C)
Legal Range28E
Legal Township07S
Legal Section41
Legal SubdivisionGRAN LAKE PHASE 2
Legal Phase2
Legal Block1
Legal Lot Number292
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 RecordIndividual Name on Record
Mailing Address245 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9343
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 11, 2023Intrafamily Transfer, Transfer
Mar 29, 2022Warranty Deed, Transfer · VA Mortgage
USAA FSB
Jan 31, 2022Warranty Deed, Transfer
FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO
Oct 2, 2020Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
FBC MORTGAGE LLC
Jun 30, 2020Loan Modification, Mortgage
HOUSING CAP
Apr 28, 2020Loan Modification, Mortgage
HOUSING CAP
Apr 30, 2020Grant Deed, Transfer
DF TITLE LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMar 29, 2022 · Amount on Record
Deed SaleMar 29, 2022 · Amount on Record
Prior SaleJan 31, 2022 · Amount on Record
Deed Document Number202232979
Deed Book / Page5526 / 148
Last Transfer DateJan 5, 2023
Transfer Doc0056931089
Record UpdatedJun 8, 2026

January 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionST JOHNS FL
Recording DateJan 11, 2023
Property Address245 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9343
Document Number0056931089
Book / Page5693 / 1089
Map ReferenceMB 93 PG 36-44
Instrument DateJan 5, 2023
Instrument2023002760
Transaction TypeTransfer
Record UpdatedOct 23, 2025

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address245 WILLOW LAKE DR, ST AUGUSTINE, FL 32092-9343

Transferred To (Grantee/Buyer)

NameVerified Name
Address245 WILLOW LAKE DR, ST AUGUSTINE, FL 32092-9343

March 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateMar 29, 2022
Property Address245 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9343
Document Number0055260148
Book / Page5526 / 148
Map ReferenceMB 93 PG 36-44
Instrument DateMar 28, 2022
Instrument2022032979
Transaction TypeTransfer
Record UpdatedOct 23, 2025
Title CompanyFIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$3,626.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2150 E GERMANN RD STE 1, 1, CHANDLER, AZ 85286-1662

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address245 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9343

Mortgage

Document Number0005526150
DateMar 29, 2022
Instrument5526/150
Lender
NameUSAA FSB
TypeBank
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueApr 1, 2052

January 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateJan 31, 2022
Property Address245 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9343
Document Number0054801698
Book / Page5480 / 1698
Map ReferenceMB 93 PG 36-44
Instrument DateJan 28, 2022
Instrument2022010607
Transaction TypeTransfer
Record UpdatedJul 1, 2026
Title CompanyFIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

AmountAmount Recorded
Tax$3,311.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address308 HAMMOCK GROVE CT, ST JOHNS, FL 32259-7989

Transferred To (Grantee/Buyer)

NameVerified Name
Address2150 E GERMANN RD STE 1, 1, CHANDLER, AZ 85286-1662
InvestorPossibly a Property Investor

October 2020: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateOct 2, 2020
Property Address245 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9343
Document Number0050600963
Book / Page5060 / 963
Map ReferenceMB 93 PG 36-44
Instrument DateSep 29, 2020
Instrument2020086378
Transaction TypeSubdivision Related Transfer
Record UpdatedAug 31, 2021
Title CompanyGOLDEN DOG TITLE & TRUST

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,146.20
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
Address245 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9343

Mortgage

Document Number5060965
DateOct 2, 2020
Instrument5060/965
Lender
NameFBC MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueOct 1, 2050

June 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionST JOHNS FL
Property Address245 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 Address245 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

April 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionST JOHNS FL
Recording DateApr 30, 2020
Property Address245 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9343
Document Number0049321718
Book / Page004932 / 001718
Instrument DateApr 28, 2020
Instrument33111
Transaction TypeTransfer
Record UpdatedJul 3, 2020
Title CompanyDF TITLE LLC

Transaction

AmountAmount Recorded
Tax$2,993.00
Amount AccuracyConfirmed
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address14701 PHILIPS HWY #300 JACKSONVILLE FL 322563742, 300, JACKSONVILLE, FL 32256-3742
InvestorPossibly a Property Investor

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$431,969 (+1.39%) Land $125,000 Building $306,969$431,969 (+1.39%) Land $125,000 Building $306,969
2025$5,483.00 (+7.91%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$426,066 (-0.77%)$426,066 (-1.79%) Land $115,000 Building $311,066
2024$5,081.00 (+1.99%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$429,379 (+3%)$433,816 (+4.06%) Land $110,000 Building $323,816
2023$4,982.00 (+47.75%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$416,873 (+46.59%)$416,873 (+16.04%) Land $106,000 Building $310,873
2022$3,372.00 Homeowner's exemption$284,379$359,244 Land $84,000 Building $275,244

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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