St. Johns County property record for 2516 N Waterleaf Dr, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,551 sqft · built 2005 |
| Lot Size | 0.37 acres (16,117 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $350,000 (Nov 2019) |
| Tax Bill | $4,063 (2025) |
| Deeds & Mortgages | May 2026 Line of Credit Aug 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 029325-0690 |
| Primary APN | 029325-0690 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,551 sqft Living Area |
| Gross Area | 2,992 sqft |
| 1st Floor Area | 2,551 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 16,117 sqft (0.37 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 1,030 sqft |
|---|---|
| Porch | Finished/Open Porch |
| Porch Area | 308 sqft |
| Deck Area | Deck Area |
| Patio Area | 291 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2516 N WATERLEAF DR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-4741 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 54/43-49 WHISPER RIDGE UNIT 7 LOT 69 OR4839/45 |
| Legal Range | 28E |
| Legal Township | 07S |
| Legal Section | 01 |
| Legal Subdivision | WHISPER RIDGE UNIT 7 |
| Legal Block | 2 |
| Legal Lot Number | 69 |
| Legal Unit | 7 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 20906 |
Source: St. Johns County assessment roll, 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 2516 N WATERLEAF DR, SAINT AUGUSTINE, FL 32092-4741 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 8, 2026 | Deed of Trust, Mortgage · Line of Credit BANK OF AMIERCA NA |
| Aug 13, 2021 | Deed of Trust, Mortgage · FHA Mortgage CALIBER HOME LOANS INC |
| Nov 27, 2019 | Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 27, 2019 · Amount on Record |
| Deed Sale | Nov 27, 2019 · Amount on Record |
| Prior Sale | Dec 30, 2005 · Amount on Record |
| Deed Document Number | 201989047 |
| Deed Book / Page | 4839 / 45 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | May 8, 2026 |
| Property Address | 2516 N WATERLEAF DR, SAINT AUGUSTINE, FL 32092-4741 |
| Document Number | 0063600987 |
| Book / Page | 6360 / 987 |
| Instrument Date | May 4, 2026 |
| Instrument | 202639912 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 2516 N WATERLEAF DR, SAINT AUGUSTINE, FL 32092-4741 |
| Document Number | 0000039912, |
|---|---|
| Date | May 8, 2026 |
| Book Page | 6360/987 |
| Instrument | 202639912 |
| Name | BANK OF AMIERCA NA |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 4, 2056 |
| Rate | 6.46% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 2516 N WATERLEAF DR, SAINT AUGUSTINE, FL 32092-4741 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 2516 N WATERLEAF DR, SAINT AUGUSTINE, FL 32092-4741 |
| Document Number | 0053421565 |
|---|---|
| Date | Aug 13, 2021 |
| Book Page | 5342/1565 |
| Instrument | 2021089619 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | DENISON, TX 75021 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Nov 27, 2019 |
| Property Address | 2516 N WATERLEAF DR, SAINT AUGUSTINE, FL 32092-4741 |
| Document Number | 0048390045 |
| Book / Page | 004839 / 000045 |
| Instrument Date | Nov 21, 2019 |
| Instrument | 89047 |
| Transaction Type | Transfer |
| Record Updated | Dec 11, 2019 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,450.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 232 ASHLAND DR WOODSTOCK GA 301897161, WOODSTOCK, GA 30189-7161 |
| Document Number | 48390047 |
|---|---|
| Date | Nov 27, 2019 |
| Book Page | 004839/000047 |
| Instrument | 89048 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 26, 2049 |
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 | $324,168 (+2.7%) | $431,127 (-2.07%) Land $85,000 Building $346,127 | |
| 2025 | $4,063.00 (+12.7%) Homeowner's exemption | $315,646 (+2.9%) | $440,239 (-2.76%) Land $80,000 Building $360,239 |
| 2024 | $3,605.00 (+2.01%) Homeowner's exemption | $306,750 (+3%) | $452,757 (+8.61%) Land $90,000 Building $362,757 |
| 2023 | $3,534.00 (+2.94%) Homeowner's exemption | $297,816 (+3%) | $416,848 (+10.51%) Land $88,088 Building $328,760 |
| 2022 | $3,433.00 Homeowner's exemption | $289,142 | $377,187 Land $72,800 Building $304,387 |
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 |
|---|---|
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 62% of the US · lower than 63% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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 |
| 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.
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 |
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