St. Johns County property record for 28 Spring Creek Way, Saint Augustine, FL 32095
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,468 sqft · built 2018 |
| Lot Size | 0.28 acres (12,196 sqft) |
| Owner | Individual Name on File |
| Last Sale | $415,000 (Nov 2020) |
| Tax Bill | $6,145 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage Nov 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 026484-1210 |
| Primary APN | 026484-1210 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,468 sqft Living Area |
| Gross Area | 3,514 sqft |
| 1st Floor Area | 2,468 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 12,196 sqft (0.28 acres) |
| Garage Type | Attached |
| Garage Area | 752 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 294 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 28 SPRING CREEK WAY |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32095-8958 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 74/86-98 SANDY CREEK PHASES 2A AND 2B LOT 121 OR5095/311 |
| Legal Range | 28E |
| Legal Township | 05S |
| Legal Section | 21 |
| Legal Subdivision | SANDY CREEK PHASES 2A AND 2B |
| Legal Block | 1 |
| Legal Lot Number | 121 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2050 |
| Census Tract | 20904 |
28 Spring Creek Way is owned and occupied by an individual who bought it in November 2020.
Source: St. Johns County records, as of April 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 28 SPRING CREEK WAY, SAINT AUGUSTINE, FL 32095-8958 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 3, 2022 | Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Nov 9, 2020 | Warranty Deed, Subdivision Related Transfer · VA Mortgage LOANDEPOT.COM LLC |
| Apr 18, 2018 | Loan Modification, Mortgage · Line of Credit REGIONS BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 9, 2020 · Amount on File |
| Deed Sale | Nov 9, 2020 · Amount on File |
| Deed Document Number | 2020101365 |
| Deed Book / Page | 5095 / 311 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 28 SPRING CREEK WAY, SAINT AUGUSTINE, FL 32095-8958 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2022 |
| Name | Verified Name |
|---|---|
| Address | 28 SPRING CREEK WAY, SAINT AUGUSTINE, FL 32095-8958 |
| Document Number | 0055071035 |
|---|---|
| Date | Mar 3, 2022 |
| Book Page | 5507/1035 |
| Instrument | 2022023678 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Nov 9, 2020 |
| Property Address | 28 SPRING CREEK WAY, SAINT AUGUSTINE, FL 32095-8958 |
| Document Number | 0050950311 |
| Book / Page | 5095 / 311 |
| Map Reference | MB 74 PG 86-98 |
| Instrument Date | Nov 6, 2020 |
| Instrument | 2020101365 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 31, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,905.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2120 CORP SQ # BLVD3, 2120, JACKSONVILLE, FL 32216-0306 |
| Name | Verified Name |
|---|---|
| Address | 28 SPRING CREEK WAY, SAINT AUGUSTINE, FL 32095-8958 |
| Document Number | 5095312 |
|---|---|
| Date | Nov 9, 2020 |
| Instrument | 5095/312 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Apr 18, 2018 |
| Property Address | 28 SPRING CREEK WAY, SAINT AUGUSTINE, FL 32095-8958 |
| Document Number | 0045330848 |
| Book / Page | 004533 / 000848 |
| Instrument Date | Apr 11, 2018 |
| Instrument | 26162 |
| Transaction Type | Mortgage |
| Record Updated | Aug 31, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 2120 CORPORATE SQUARE BLVD #7 JACKSONVILLE FL 322161976, 7, JACKSONVILLE, FL 32216-1976 |
| Document Number | 45330848 |
|---|---|
| Date | Apr 18, 2018 |
| Book Page | 004533/000848 |
| Instrument | 26162 |
| Name | REGIONS BK |
|---|---|
| Type | Bank |
| Address | 70 N BAYLEN ST, PENSACOLA, FL 32502-5613 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 28 Spring Creek Way was $6,145 with a homeowner's exemption, up 11.5% from the year before.
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 | $429,437 (-8.67%) Land $100,000 Building $329,437 | $429,437 (-8.67%) Land $100,000 Building $329,437 | |
| 2025 | $6,145.00 (+11.54%) Homeowner's exemption | $470,214 | $470,214 Land $100,000 Building $370,214 |
| 2024 | $5,509.00 (+1.03%) | ||
| 2023 | $5,453.00 (+2.67%) Homeowner's exemption | $448,980 (+3%) | $462,145 (+6.02%) Land $100,000 Building $362,145 |
| 2022 | $5,311.00 Homeowner's exemption | $435,903 | $435,903 Land $89,600 Building $346,303 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 28 Spring Creek Way in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 206 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 206 in force |
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.
Wildfire risk around 28 Spring Creek Way is moderate, ranking above 65% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 65% of the US · above 42% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% 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-NORTHEAST UTILITIES WS serves 14,790 people · EPA ID FL2554475 |
|---|---|
| Water Source | Purchased groundwater from JEA MAJOR GRID |
| Last State Inspection | Mar 2024 |
| Lead | 1 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 120 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable · Fiber in parts of the area | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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