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

St. Johns County property record for 294 Willow Lake Dr, Saint Augustine, FL 32092 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,909 sqft · built 2020
Lot Size0.15 acres (6,534 sqft)
Owner2 Individual Names on File
Last Sale$295,429 (Dec 2020)
Tax Bill$1,549 (2025)
Deeds & MortgagesFeb 2026 Mortgage
Jul 2022 Mortgage
+ 4 more
Flood ZoneZone X (minimal risk)
APN028991-1750

Property Details

APN / Parcel Number

Primary APN028991-1750

Interior

Bedrooms4 Beds
Full Baths2 Baths
Plumbing Fixtures10 Plumbing Fixtures
Stories1 Story
Building Area1,909 sqft Living Area
Gross Area2,329 sqft
1st Floor Area1,909 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2020
Exterior MaterialConcrete
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area6,534 sqft (0.15 acres)
Garage TypeAttached
Garage Area420 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Open Porch
Porch Area224 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address294 WILLOW LAKE DR
CitySAINT AUGUSTINE
StateFL
Zip32092-9342
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description93/36-44 GRAN LAKE PHASE 2 LOT 175 OR5134/925
Legal Range28E
Legal Township07S
Legal Section41
Legal SubdivisionGRAN LAKE PHASE 2
Legal Phase2
Legal Block1
Legal Lot Number175
JurisdictionST JOHNS FL
Township / Civil DivisionST. AUGUSTINE
Census Block Group1
Census Block1000
Census Tract20906

Owner

Source: St. Johns County records · APN 028991-1750

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 Record2 Individual Names on File
Mailing Address294 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9342
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 11, 2026Deed of Trust, Mortgage · VA Mortgage
FREEDOM MORTGAGE CORP
Jul 19, 2022Deed of Trust, Mortgage · VA Mortgage
FREEDOM MORTGAGE CORP
Dec 23, 2020Warranty Deed, Subdivision Related Transfer · VA Mortgage
JET HOMELOANS LLC
Jun 30, 2020Loan Modification, Mortgage
HOUSING CAP
Apr 28, 2020Loan Modification, Mortgage
HOUSING CAP
Apr 30, 2020Grant Deed, Transfer
DF TITLE LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 23, 2020 · Amount on Record
Deed SaleDec 23, 2020 · Amount on Record
Deed Document Number2020118109
Deed Book / Page5134 / 925
Record UpdatedJun 08, 2026

February 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address294 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9342
Transaction TypeMortgage
Record UpdatedFeb 25, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address294 WILLOW LAKE DR, ST AUGUSTINE, FL 32092-9342

Mortgage

Document Number0063031757
DateFeb 11, 2026
Book Page6303/1757
Instrument2026011692
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressBOCA RATON, FL 33431
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2056
Interest
Rate TypeAdjustable Rate
Rate4.75%
Type Change DateApr 01, 2031
Change FrequencyAnnually
Min Rate At Change3.75%
Max Rate At Change5.75%
Index1-Year CMT
Max Rate5%

July 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address294 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9342
Transaction TypeMortgage
Record UpdatedOct 23, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address294 WILLOW LAKE DR, ST AUGUSTINE, FL 32092-9342

Mortgage

Document Number0056000255
DateJul 19, 2022
Book Page5600/255
Instrument2022070420
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressBOCA RATON, FL 33431
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2052

December 2020: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateDec 23, 2020
Property Address294 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9342
Document Number0051340925
Book / Page5134 / 925
Map ReferenceMB 93 PG 36-44
Instrument DateDec 21, 2020
Instrument2020118109
Transaction TypeSubdivision Related Transfer
Record UpdatedJan 28, 2022
Title CompanyGOLDEN DOG TITLE & TRUST

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,068.50
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
Address294 WILLOW LAKE DR, ST AUGUSTINE, FL 32092-9342

Mortgage

Document Number0005134927
DateDec 23, 2020
Instrument5134/927
Lender
NameJET HOMELOANS LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueJan 01, 2051

June 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionST JOHNS FL
Property Address294 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9342
Document Number0049980047
Instrument DateJun 30, 2020
Transaction TypeMortgage
Record UpdatedAug 18, 2020
Title CompanyOTHER

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address14701 PHILIPS HWY JACKSONVILLE FL 322563743, JACKSONVILLE, FL 32256-3743

Mortgage

Document Number0049980047
DateJul 24, 2020
Book Page004998/000047
Instrument60078
Lender
NameHOUSING CAP
TypeFunding / Finance Company
Address13737 NOEL RD, DALLAS, TX 75240-1331
Agreement
AmountAmount Recorded
Term12 Months
DueJul 23, 2021

April 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionST JOHNS FL
Property Address294 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9342
Document Number0049330703
Instrument DateApr 28, 2020
Transaction TypeMortgage
Record UpdatedJul 09, 2020
Title CompanyOTHER

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address14701 PHILIPS HWY JACKSONVILLE FL 322563743, JACKSONVILLE, FL 32256-3743

Mortgage

Document Number0049330703
DateApr 30, 2020
Book Page004933/000703
Instrument33284
Lender
NameHOUSING CAP
TypeFunding / Finance Company
Address13737 NOEL RD # 800, DALLAS, TX 75240-1331
Agreement
AmountAmount Recorded

April 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionST JOHNS FL
Recording DateApr 30, 2020
Property Address294 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9342
Document Number0049321718
Book / Page004932 / 001718
Instrument DateApr 28, 2020
Instrument33111
Transaction TypeTransfer
Record UpdatedJul 03, 2020
Title CompanyDF TITLE LLC

Transaction

AmountAmount Recorded
Tax$2,993.00
Amount AccuracyConfirmed
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address14701 PHILIPS HWY #300 JACKSONVILLE FL 322563742, 300, JACKSONVILLE, FL 32256-3742
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 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, not market price estimates; both are a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2026$137,578 (+2.7%)$390,960 (+1.74%) Land $125,000 Building $265,960
2025$1,549.00 (+16.64%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$133,961 (+2.9%)$384,274 (-1.46%) Land $115,000 Building $269,274
2024$1,328.00 (+2.55%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$130,186 (+3%)$389,958 (+4.06%) Land $110,000 Building $279,958
2023$1,295.00 (+4.52%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$126,394 (+3%)$374,753 (+16.4%) Land $106,000 Building $268,753
2022$1,239.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$122,713$321,964 Land $84,000 Building $237,964

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskModerate
above 54% of the US · above 25% of Florida
Wildfire LikelihoodAbout 1 in 1,124 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values are read at the parcel center point; lenders make the official flood determination.

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