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284 Ferndale Way, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 284 Ferndale Way, Saint Augustine, FL 32092

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,498 sqft · built 2020
Lot Size0.21 acres (9,147 sqft)
Owner2 Individual Names on Record
Last Sale$324,505 (Jul 2020)
Tax Bill$7,702 (2025)
Deeds & MortgagesSep 2021 Mortgage
Jul 2020 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN029011-7150

Property Details

APN / Parcel Number

Primary APN029011-7150

Interior

Bedrooms4 Beds
Full Baths3 Baths
Plumbing Fixtures13 Plumbing Fixtures
Stories2 Stories
Building Area2,498 sqft Living Area
Gross Area2,927 sqft
1st Floor Area1,171 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2020
Exterior MaterialConcrete
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area9,147 sqft (0.21 acres)
Garage TypeAttached
Garage Area429 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Open Porch
Porch Area266 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address284 FERNDALE WAY
CitySAINT AUGUSTINE
StateFL
Zip32092-7646
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description92/37-45 WHISPER CREEK PHASE 8 LOT 715 OR4995/617
Legal Range28E
Legal Township06S
Legal Section38
Legal SubdivisionWHISPER CREEK PHASE 8
Legal Phase8
Legal Block1
Legal Lot Number715
JurisdictionST JOHNS FL
Township / Civil DivisionST. AUGUSTINE
Census Block Group4
Census Block4040
Census Tract20905

Owner

Source: St. Johns County records, as of April 13, 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 Record
Mailing Address284 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7646
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 13, 2021Deed of Trust, Mortgage · Conventional Mortgage
JET HOMELOANS LLC
Jul 22, 2020Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
JET HOMELOANS LLC
Mar 27, 2020Loan Modification, Mortgage · Line of Credit
REGIONS BK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 22, 2020 · Amount on Record
Deed SaleJul 22, 2020 · Amount on Record
Deed Document Number202059032
Deed Book / Page4995 / 617
Record UpdatedJun 8, 2026

September 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address284 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7646
Transaction TypeMortgage
Record UpdatedOct 23, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address284 FERNDALE WAY, ST AUGUSTINE, FL 32092-7646

Mortgage

Document Number0053670750
DateSep 13, 2021
Book Page5367/750
Instrument2021100540
Lender
NameJET HOMELOANS LLC
TypeMortgage Company
AddressFERNANDINA BEACH, FL 32034
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 1, 2051

July 2020: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateJul 22, 2020
Property Address284 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7646
Document Number0049950617
Book / Page4995 / 617
Map ReferenceMB 92 PG 37-45
Instrument DateJul 21, 2020
Instrument2020059032
Transaction TypeSubdivision Related Transfer
Record UpdatedAug 31, 2021
Title CompanyGOLDEN DOG TITLE & TRUST

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,272.20
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address14701 PHILIPS HWY STE 300, 14701, JACKSONVILLE, FL 32256-3742

Transferred To (Grantee/Buyer)

NameVerified Name
Address284 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7646

Mortgage

Document Number4995619
DateJul 22, 2020
Instrument4995/619
Lender
NameJET HOMELOANS LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 1, 2050

March 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionST JOHNS FL
Property Address284 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7646
Document Number0049121320
Instrument DateMar 27, 2020
Transaction TypeMortgage
Record UpdatedJun 26, 2020
Title CompanyDF TITLE LLC

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address14701 PHILIPS HWY JACKSONVILLE FL 322563743, JACKSONVILLE, FL 32256-3743
InvestorPossibly a Property Investor

Mortgage

Document Number0049121320
DateMar 30, 2020
Book Page004912/001320
Instrument25208
Lender
NameREGIONS BK
TypeBank
Address70 N BAYLEN ST # 4TH, PENSACOLA, FL 32502-5613
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: St. Johns County assessment roll, as of April 13, 2026

Property Jurisdictions

TypeName
StateFlorida
CountySt. Johns County
Unified School DistrictSt. Johns County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$391,998 (-4.54%) Land $90,000 Building $301,998$391,998 (-5.35%) Land $90,000 Building $301,998
2025$7,702.00 (+8.13%) Homeowner's exemption$410,620 (+2.9%)$414,156 (-6.59%) Land $95,000 Building $319,156
2024$7,123.00 (+1.48%) Homeowner's exemption$399,048 (+3%)$443,395 (+7.19%) Land $100,000 Building $343,395
2023$7,019.00 (+2.36%) Homeowner's exemption$387,425 (+3.8%)$413,656 (+10.82%) Land $84,000 Building $329,656
2022$6,857.00 Homeowner's exemption$373,258$373,258 Land $84,000 Building $289,258

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 15, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 79 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies79 in force
Nearby Flood Claims1 (2017)
Most Recent ClaimSep 2017 · Hurricane Irma

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 44% of the US · lower than 85% of Florida
Wildfire Likelihood0.06% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemSJCU-NORTHWEST UTILITIES WTP
serves 48,040 people · EPA ID FL2554471
Water SourceGroundwater
Last State InspectionJun 2024
Also Mapped HereSJCU-CR214 MAINLAND WTP
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 84 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Xfinity
Fiber · Cable in parts of the area		2,000 / 2,000

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