St. Johns County property record for 254 Pepperpike Way, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,049 sqft · built 2021 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $435,000 (Jan 2024) |
| Tax Bill | $8,086 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage Jan 2024 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 029011-4860 |
| Primary APN | 029011-4860 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,049 sqft Living Area |
| Gross Area | 2,490 sqft |
| 1st Floor Area | 2,049 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.17 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 32 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 254 PEPPERPIKE WAY |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-5508 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 95/15-24 WHISPER CREEK PHASE 5 UNIT A LOT 486 OR5888/1673 |
| Legal Range | 28E |
| Legal Township | 06S |
| Legal Section | 38 |
| Legal Subdivision | WHISPER CREEK PHASE 5 UNIT A |
| Legal Phase | 5 |
| Legal Block | 1 |
| Legal Lot Number | 486 |
| Legal Unit | A |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 4 |
| Census Block | 4021 |
| Census Tract | 20905 |
Source: St. Johns County records, as of October 9, 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 | 254 PEPPERPIKE WAY, SAINT AUGUSTINE, FL 32092-5508 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Sep 30, 2026 | Deed of Trust, Mortgage · Conventional Mortgage PLAINS COMMERCE BANK |
| Jan 22, 2024 | Warranty Deed, Transfer · Conventional Mortgage PLAINS COMMERCE BANK |
| Mar 1, 2021 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage HOME AMERICAN MORTGAGE CORP |
| Dec 10, 2019 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 22, 2024 · Amount on Record |
| Deed Sale | Jan 22, 2024 · Amount on Record |
| Prior Sale | Mar 1, 2021 · Amount on Record |
| Deed Document Number | 20245080 |
| Deed Book / Page | 5888 / 1673 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Sep 30, 2026 |
| Property Address | 254 PEPPERPIKE WAY, SAINT AUGUSTINE, FL 32092-5508 |
| Document Number | 0000082833 |
| Book / Page | 6444 / 1828 |
| Instrument Date | Sep 28, 2026 |
| Instrument | 202682833 |
| Transaction Type | Mortgage |
| Record Updated | Oct 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 42 HARRIS HAWK CT, SAINT AUGUSTINE, FL 32092-1149 |
| Document Number | 0000082833, |
|---|---|
| Date | Sep 30, 2026 |
| Book Page | 6444/1828 |
| Instrument | 202682833 |
| Name | PLAINS COMMERCE BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jan 22, 2024 |
| Property Address | 254 PEPPERPIKE WAY, SAINT AUGUSTINE, FL 32092-5508 |
| Document Number | 0058881673 |
| Book / Page | 5888 / 1673 |
| Map Reference | MB 95 PG 15 |
| Instrument Date | Dec 27, 2023 |
| Instrument | 2024005080 |
| Transaction Type | Transfer |
| Record Updated | Feb 2, 2024 |
| Title Company | NOT AVAILABLE, SUMMIT TITLE OF NORTH FL LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,045.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5808 SANDSTONE WAY, JACKSONVILLE, FL 32258-5417 |
| Name | Verified Name |
|---|---|
| Address | 254 PEPPERPIKE WAY, SAINT AUGUSTINE, FL 32092-5508 |
| Document Number | 0058881675 |
|---|---|
| Date | Jan 22, 2024 |
| Instrument | 5888/1675 |
| Name | PLAINS COMMERCE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 1, 2039 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Mar 1, 2021 |
| Property Address | 254 PEPPERPIKE WAY, SAINT AUGUSTINE, FL 32092-5508 |
| Document Number | 0051921608 |
| Book / Page | 5192 / 1608 |
| Map Reference | MB 95 PG 15-24 |
| Instrument Date | Feb 25, 2021 |
| Instrument | 2021022427 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 2, 2022 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,106.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10255 FORTUNE PKWY # 150, 10255, JACKSONVILLE, FL 32256-6502 |
| Name | Verified Name |
|---|---|
| Address | 254 PEPPERPIKE WAY, ST AUGUSTINE, FL 32092-5508 |
| Document Number | 0051921609 |
|---|---|
| Date | Mar 1, 2021 |
| Instrument | 5192/1609 |
| Name | HOME AMERICAN MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Dec 10, 2019 |
| Property Address | 254 PEPPERPIKE WAY, SAINT AUGUSTINE, FL 32092-5508 |
| Document Number | 0048460985 |
| Book / Page | 004846 / 000985 |
| Instrument Date | Dec 6, 2019 |
| Instrument | 92457 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $19,320.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Partnership |
| Address | 10255 FORTUNE PKWY #150 JACKSONVILLE FL 322566502, 150, JACKSONVILLE, FL 32256-6502 |
| Investor | Possibly a Property Investor |
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 | $395,194 (+5%) Land $100,000 Building $295,194 | $395,194 (+5%) Land $100,000 Building $295,194 | |
| 2025 | $8,086.00 (+5.34%) | $376,364 (+10.26%) | $376,364 (+10.26%) Land $100,000 Building $276,364 |
| 2024 | $7,676.00 (+13.6%) | ||
| 2023 | $6,757.00 (-3.95%) Homeowner's exemption | $341,336 (+5.8%) | $341,336 (+5.8%) Land $84,000 Building $257,336 |
| 2022 | $7,035.00 | $322,639 | $322,639 Land $84,000 Building $238,639 |
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 79 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 79 in force |
| Nearby Flood Claims | 1 (2017) |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
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 45% of the US · lower than 84% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% 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-NORTHWEST UTILITIES WTP serves 48,040 people · EPA ID FL2554471 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Also Mapped Here | SJCU-CR214 MAINLAND WTP |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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 235 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Fiber | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
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