2515 N Waterleaf Dr, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 2515 N Waterleaf Dr, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	2 bd · 4 ba · 2,191 sqft · built 2005
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on Record
Last Sale	$274,500 (May 2018)
Tax Bill	$2,019 (2025)
Deeds & Mortgages	May 2018 Sale Feb 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`029325-0720`

Property Details

APN / Parcel Number

Primary APN	`029325-0720`

Interior

Bedrooms	2 Beds
Full Baths	4 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	2,191 sqft Living Area
Gross Area	2,591 sqft
1st Floor Area	2,191 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	266 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2515 N WATERLEAF DR
City	SAINT AUGUSTINE
State	FL
Zip	32092-4742
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	54/43-49 WHISPER RIDGE UNIT 7 LOT 72 OR4551/617
Legal Range	28E
Legal Township	07S
Legal Section	01
Legal Subdivision	WHISPER RIDGE UNIT 7
Legal Block	2
Legal Lot Number	72
Legal Unit	7
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2017
Census Tract	20906

Owner

Source: St. Johns County records, as of June 17, 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 Record
Mailing Address	2515 N WATERLEAF DR, SAINT AUGUSTINE, FL 32092-4742
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 23, 2018	Warranty Deed, Transfer LAND TITLE/AMERICA INC
Feb 2, 2018	Deed of Trust, Mortgage · Line of Credit NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2018 · Amount on Record
Deed Sale	May 23, 2018 · Amount on Record
Prior Sale	Dec 12, 2005 · Amount on Record
Deed Document Number	201835548
Deed Book / Page	4551 / 617
Record Updated	Oct 29, 2026

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	May 23, 2018
Property Address	2515 N WATERLEAF DR, SAINT AUGUSTINE, FL 32092-4742
Document Number	0045510617
Book / Page	004551 / 000617
Instrument Date	May 22, 2018
Instrument	35548
Transaction Type	Transfer
Record Updated	Jun 14, 2018
Title Company	LAND TITLE/AMERICA INC

Transaction

Amount	Amount Recorded
Tax	$1,921.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2515 N WATERLEAF DR ST AUGUSTINE FL 320924742, ST AUGUSTINE, FL 32092-4742

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	2515 N WATERLEAF DR, SAINT AUGUSTINE, FL 32092-4742
Document Number	0045371112
Instrument Date	Feb 2, 2018
Transaction Type	Mortgage
Record Updated	Nov 21, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2515 N WATERLEAF DR ST AUGUSTINE FL 320924742, ST AUGUSTINE, FL 32092-4742

Mortgage

Document Number	0045371112
Date	Apr 26, 2018
Book Page	004537/001112
Instrument	28302

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Apr 25, 2058

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$168,296 (+2.7%)	$344,916 (-1%) Land $85,000 Building $259,916
2025	$2,019.00 (+14.98%) Homeowner's exemption	$163,871 (+2.9%)	$348,411 (-7.88%) Land $80,000 Building $268,411
2024	$1,756.00 (+2.27%) Homeowner's exemption	$159,253 (+3%)	$378,212 (+3.5%) Land $90,000 Building $288,212
2023	$1,717.00 (+3.81%) Homeowner's exemption	$154,615 (+3%)	$365,429 (+7.63%) Land $88,088 Building $277,341
2022	$1,654.00 Homeowner's exemption	$150,112	$339,516 Land $72,800 Building $266,716

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 74 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	74 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 2024 · other causes

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 Risk	Moderate above 66% of the US · above 43% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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 System	SJCU-CR214 MAINLAND WTP serves 66,953 people · EPA ID FL2554447
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 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 80 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable · Fiber in parts of the area	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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