2605 S Waterleaf Dr, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 2605 S Waterleaf Dr, Saint Augustine, FL 32092 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,353 sqft · built 2005
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$299,000 (Jun 2018)
Tax Bill	$3,481 (2025)
Deeds & Mortgages	Jun 2018 Sale & Mortgage May 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`029325-0770`

Property Details

APN / Parcel Number

Primary APN	`029325-0770`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	2,353 sqft Living Area
Gross Area	2,795 sqft
1st Floor Area	2,012 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
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Attached
Garage Area	442 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	292 sqft
Patio Area	182 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2605 S WATERLEAF DR
City	SAINT AUGUSTINE
State	FL
Zip	32092-4744
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	54/43-49 WHISPER RIDGE UNIT 7 LOT 77 OR4570/570
Legal Range	28E
Legal Township	07S
Legal Section	01
Legal Subdivision	WHISPER RIDGE UNIT 7
Legal Block	2
Legal Lot Number	77
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 · APN 029325-0770

Assessment roll updated April 13, 2026 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	2605 S WATERLEAF DR, SAINT AUGUSTINE, FL 32092-4744
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Jun 27, 2018	Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS
May 15, 2018	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
May 15, 2018	Loan Modification, Mortgage · Conventional Mortgage FIDELITY BK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 27, 2018 · Amount on Record
Deed Sale	Jun 27, 2018 · Amount on Record
Prior Sale	Dec 29, 2015 · Amount on Record
Deed Document Number	201845392
Deed Book / Page	4570 / 570
Prior Transfer Date	Dec 19, 2007
Prior Transfer Doc	0030281764
Record Updated	Sep 20, 2026

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jun 27, 2018
Property Address	2605 S WATERLEAF DR, SAINT AUGUSTINE, FL 32092-4744
Document Number	0045700570
Book / Page	004570 / 000570
Instrument Date	Jun 22, 2018
Instrument	45393
Transaction Type	Transfer
Record Updated	Jul 13, 2018
Title Company	GIBRALTAR TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,093.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2605 S WATERLEAF DR ST AUGUSTINE FL 320924744, ST AUGUSTINE, FL 32092-4744

Mortgage

Document Number	45700572
Date	Jun 27, 2018
Book Page	004570/000572
Instrument	45393

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 26, 2048

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	2605 S WATERLEAF DR, SAINT AUGUSTINE, FL 32092-4744
Document Number	0045890597
Instrument Date	May 15, 2018
Transaction Type	Mortgage
Record Updated	Nov 21, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2605 S WATERLEAF DR ST AUGUSTINE FL 320924744, ST AUGUSTINE, FL 32092-4744

Mortgage

Document Number	0045890597
Date	Aug 01, 2018
Book Page	004589/000597
Instrument	55075

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 31, 2048

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST JOHNS FL
Property Address	2605 S WATERLEAF DR, SAINT AUGUSTINE, FL 32092-4744
Document Number	0045861567
Instrument Date	May 15, 2018
Transaction Type	Mortgage
Record Updated	Aug 07, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2605 S WATERLEAF DR ST AUGUSTINE FL 320924744, ST AUGUSTINE, FL 32092-4744

Mortgage

Document Number	0045861567
Date	Jul 27, 2018
Book Page	004586/001567
Instrument	53915

Lender

Name	FIDELITY BK
Type	Bank
Address	ATLANTA, GA 30329

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 26, 2048

Interest

Rate Type	Fixed Rate
Rate	4.5%

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified June 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$279,764 (+2.7%)	$361,199 (-2.48%) Land $85,000 Building $276,199
2025	$3,481.00 (+13.06%) Homeowner's exemption	$272,409 (+5.99%)	$370,389 (-4.55%) Land $80,000 Building $290,389
2024	$3,079.00 (+2.06%)
2023	$3,017.00 (+3.11%) Homeowner's exemption	$257,021 (+3%)	$388,054 (+7.47%) Land $88,088 Building $299,966
2022	$2,926.00 Homeowner's exemption	$249,535	$361,095 Land $72,800 Building $288,295

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090209062, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 74 individual NFIP policies nearby
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

Wildfire

Wildfire Risk	Moderate above 62% of the US · above 37% of Florida
Wildfire Likelihood	About 1 in 543 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 80 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Xfinity	Cable	2,000 / 250

May also be available at this address: Xfinity. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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