264 Willow Lake Dr, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 264 Willow Lake Dr, Saint Augustine, FL 32092 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,290 sqft · built 2020
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on File
Last Sale	$304,990 (Jun 2020)
Tax Bill	$3,396 (2025)
Deeds & Mortgages	Mar 2023 Mortgage May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`028991-1720`

Property Details

APN / Parcel Number

Primary APN	`028991-1720`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Stories	1 Story
Building Area	2,290 sqft Living Area
Gross Area	2,934 sqft
1st Floor Area	1,909 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	224 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	264 WILLOW LAKE DR
City	SAINT AUGUSTINE
State	FL
Zip	32092-9342
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	93/36-44 GRAN LAKE PHASE 2 LOT 172 OR4972/139
Legal Range	28E
Legal Township	07S
Legal Section	41
Legal Subdivision	GRAN LAKE PHASE 2
Legal Phase	2
Legal Block	1
Legal Lot Number	172
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1000
Census Tract	20906

Owner

Source: St. Johns County records · APN 028991-1720

Assessment roll updated April 13, 2026 · Last verified April 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	264 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9342
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 02, 2023	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
May 24, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jun 24, 2020	Warranty Deed, Subdivision Related Transfer · VA Mortgage JET HOMELOANS LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 24, 2020 · Amount on Record
Deed Sale	Jun 24, 2020 · Amount on Record
Deed Document Number	202049549
Deed Book / Page	4972 / 139
Record Updated	Jun 08, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	264 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9342
Transaction Type	Mortgage
Record Updated	Oct 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	264 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9342

Mortgage

Document Number	0057170938
Date	Mar 02, 2023
Book Page	5717/938
Instrument	2023016048

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	DENVER, CO 80249

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	339 Months
Due	Jun 01, 2051

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	264 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9342
Transaction Type	Mortgage
Record Updated	Oct 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	264 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9342

Mortgage

Document Number	0052720897
Date	May 24, 2021
Book Page	5272/897
Instrument	2021057924

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2051

June 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jun 24, 2020
Property Address	264 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9342
Document Number	0049720139
Book / Page	4972 / 139
Map Reference	MB 93 PG 36-44
Instrument Date	Jun 22, 2020
Instrument	2020049549
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 31, 2021
Title Company	GOLDEN DOG TITLE & TRUST

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,135.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14701 PHILIPS HWY STE 300, 14701, JACKSONVILLE, FL 32256-3742

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	264 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9342

Mortgage

Document Number	4972141
Date	Jun 24, 2020
Instrument	4972/141

Lender

Name	JET HOMELOANS LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2050

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 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		$273,328 (+2.7%)	$437,873 (+0.99%) Land $125,000 Building $312,873
2025	$3,396.00 (+13.12%) Homeowner's exemption	$266,142 (+2.9%)	$433,599 (-1.87%) Land $115,000 Building $318,599
2024	$3,002.00 (+2.04%) Homeowner's exemption	$258,641 (+3%)	$441,878 (+4.07%) Land $110,000 Building $331,878
2023	$2,942.00 (+3.12%) Homeowner's exemption	$251,108 (+3%)	$424,612 (+15.98%) Land $106,000 Building $318,612
2022	$2,853.00 Homeowner's exemption	$243,794	$366,096 Land $84,000 Building $282,096

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 121090209061, 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 62 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	62 in force

Wildfire

Wildfire Risk	Moderate above 54% of the US · above 25% of Florida
Wildfire Likelihood	About 1 in 1,124 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 82 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	DSL	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

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

Mobile Coverage

5G and 4G LTE

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