St. Johns County property record for 265 Pepperpike Way, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,049 sqft · built 2021 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $301,100 (Aug 2021) |
| Tax Bill | $7,190 (2025) |
| Deeds & Mortgages | Nov 2023 Mortgage Aug 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 029011-4810 |
| Primary APN | 029011-4810 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 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 |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 38 sqft |
| Patio Area | 170 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 265 PEPPERPIKE WAY |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-5509 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 95/15-24 WHISPER CREEK PHASE 5 UNIT A LOT 481 OR5337/1108 |
| 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 | 481 |
| Legal Unit | A |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 4 |
| Census Block | 4020 |
| Census Tract | 20905 |
Source: St. Johns County records · APN 029011-4810
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 | Individual Name on File |
|---|---|
| Mailing Address | 265 PEPPERPIKE WAY, SAINT AUGUSTINE, FL 32092-5509 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Nov 21, 2023 | Deed of Trust, Mortgage · FHA Mortgage NEW AMERICAN FUNDING |
| Aug 06, 2021 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage HOME AMERICAN MORTGAGE CORP |
| Dec 10, 2019 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 06, 2021 · Amount on Record |
| Deed Sale | Aug 06, 2021 · Amount on Record |
| Prior Sale | Dec 10, 2019 · Amount on Record |
| Deed Document Number | 202187201 |
| Deed Book / Page | 5337 / 1108 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 265 PEPPERPIKE WAY, SAINT AUGUSTINE, FL 32092-5509 |
| Transaction Type | Mortgage |
| Record Updated | Dec 08, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 265 PEPPERPIKE WAY, SAINT AUGUSTINE, FL 32092-5509 |
| Document Number | 0058601242 |
|---|---|
| Date | Nov 21, 2023 |
| Book Page | 5860/1242 |
| Instrument | 2023091503 |
| Name | NEW AMERICAN FUNDING |
|---|---|
| Type | Lending Institution |
| Address | TUSTIN, CA 92780 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2053 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Aug 06, 2021 |
| Property Address | 265 PEPPERPIKE WAY, SAINT AUGUSTINE, FL 32092-5509 |
| Document Number | 0053371108 |
| Book / Page | 5337 / 1108 |
| Map Reference | MB 95 PG 15-24 |
| Instrument Date | Jul 30, 2021 |
| Instrument | 2021087201 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | May 23, 2023 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,107.70 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10255 FORTUNE PKWY # 150, 150, JACKSONVILLE, FL 32256-6502 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 265 PEPPERPIKE WAY, ST AUGUSTINE, FL 32092-5509 |
| Document Number | 0053371109 |
|---|---|
| Date | Aug 06, 2021 |
| Instrument | 5337/1109 |
| Name | HOME AMERICAN MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Dec 10, 2019 |
| Property Address | 265 PEPPERPIKE WAY, SAINT AUGUSTINE, FL 32092-5509 |
| Document Number | 0048460985 |
| Book / Page | 004846 / 000985 |
| Instrument Date | Dec 06, 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 records · Assessment roll updated April 13, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
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 | $358,026 (+2.7%) | $396,755 (+5.11%) Land $100,000 Building $296,755 | |
| 2025 | $7,190.00 (+7.47%) Homeowner's exemption | $348,613 (+2.9%) | $377,476 (+0.16%) Land $100,000 Building $277,476 |
| 2024 | $6,690.00 (+1.36%) Homeowner's exemption | $338,788 (+3%) | $376,870 (+11.57%) Land $100,000 Building $276,870 |
| 2023 | $6,600.00 (+1.69%) Homeowner's exemption | $328,920 (+3%) | $337,779 (+5.77%) Land $84,000 Building $253,779 |
| 2022 | $6,490.00 Homeowner's exemption | $319,340 | $319,340 Land $84,000 Building $235,340 |
Source: FEMA National Flood Hazard Layer as of September 15, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Moderate above 45% of the US · lower than 84% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Fiber | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 235 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SJCU-NORTHWEST UTILITIES WTP serves 48,040 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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