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2609 S Waterleaf Dr, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 2609 S Waterleaf Dr, Saint Augustine, FL 32092 · Last verified June 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 2,427 sqft · built 2006
Lot Size0.18 acres (7,840 sqft)
Owner2 Individual Names on File
Last Sale$295,000 (Jun 2018)
Tax Bill$3,655 (2025)
Deeds & MortgagesOct 2019 Mortgage
Jun 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN029325-0780

Property Details

APN / Parcel Number

Primary APN029325-0780

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures12 Plumbing Fixtures
Stories2 Stories
Building Area2,427 sqft Living Area
Gross Area2,894 sqft
1st Floor Area1,186 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2006
Exterior MaterialStucco
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,840 sqft (0.18 acres)
Garage TypeAttached
Garage Area467 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool Area360 sqft
PorchFinished/Open Porch
Porch Area211 sqft
Patio Area810 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address2609 S WATERLEAF DR
CitySAINT AUGUSTINE
StateFL
Zip32092-4744
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description54/43-49 WHISPER RIDGE UNIT 7 LOT 78 OR4571/284
Legal Range28E
Legal Township07S
Legal Section01
Legal SubdivisionWHISPER RIDGE UNIT 7
Legal Block2
Legal Lot Number78
Legal Unit7
JurisdictionST JOHNS FL
Township / Civil DivisionST. AUGUSTINE
Census Block Group2
Census Block2017
Census Tract20906

Owner

Source: St. Johns County records · APN 029325-0780

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 Record2 Individual Names on File
Mailing Address2609 S WATERLEAF DR, SAINT AUGUSTINE, FL 32092-4744
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 15, 2019Deed of Trust, Mortgage · Conventional Mortgage
BETTER MORTGAGE CORPORATION
Jun 28, 2018Warranty Deed, Transfer · Conventional Mortgage
FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 28, 2018 · Amount on Record
Deed SaleJun 28, 2018 · Amount on Record
Prior SaleMay 07, 2013 · Amount on Record
Deed Document Number201845853
Deed Book / Page4571 / 284
Prior Transfer DateOct 30, 2012
Prior Transfer Doc0037270198
Record UpdatedSep 20, 2026

October 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address2609 S WATERLEAF DR, SAINT AUGUSTINE, FL 32092-4744
Transaction TypeMortgage
Record UpdatedAug 02, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0048131421
DateOct 15, 2019
Book Page4813/1421
Instrument2019076778
Lender
NameBETTER MORTGAGE CORPORATION
TypeMortgage Company
AddressNEW YORK, NY 10006
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2049

June 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateJun 28, 2018
Property Address2609 S WATERLEAF DR, SAINT AUGUSTINE, FL 32092-4744
Document Number0045710284
Book / Page4571 / 0284
Map ReferenceMB54 PG43-49
Instrument DateJun 27, 2018
Instrument2018045853
Transaction TypeTransfer
Record UpdatedAug 02, 2022
Title CompanyEASTE TITLE OF ST AUGUSTINE

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address65 BUSAM ST, 65, SAINT AUGUSTINE, FL 32080-4636

Transferred To (Grantee/Buyer)

NameVerified Name
Address2009 S WATERLEAF DR, SAINT AUGUSTINE, FL 32092

Mortgage

Document Number2018045854
DateJun 28, 2018
Instrument2018045854
Lender
NameFAIRWAY INDEPENDENT MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 01, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountySt. Johns County
Unified School DistrictSt. 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.

YearTax BillAssessed ValueAssessed Market Value
2026$293,072 (+2.7%)$409,512 (-1.9%) Land $85,000 Building $324,512
2025$3,655.00 (+12.95%) Homeowner's exemption$285,367 (+2.9%)$417,456 (-1.74%) Land $80,000 Building $337,456
2024$3,236.00 (+2.02%) Homeowner's exemption$277,325 (+3%)$424,846 (+7.56%) Land $90,000 Building $334,846
2023$3,172.00 (+3.05%) Homeowner's exemption$269,248 (+3%)$394,985 (+6.78%) Land $88,088 Building $306,897
2022$3,078.00 Homeowner's exemption$261,406$369,898 Land $72,800 Building $297,098

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 ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 74 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies74 in force
Nearby Flood Claims1 (2024)
Claims Outside the SFHA1 of 1
Most Recent ClaimJan 2024, other causes

Wildfire

Wildfire RiskModerate
above 62% of the US · above 37% of Florida
Wildfire LikelihoodAbout 1 in 543 per year
ExposureDirect
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

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
XfinityCable2,000 / 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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