St. Johns County property record for 295 Ferndale Way, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,535 sqft · built 2021 |
| Lot Size | 0.18 acres (7,840 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $475,000 (Nov 2025) |
| Tax Bill | $7,412 (2025) |
| Deeds & Mortgages | Nov 2025 Sale & Mortgage Apr 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 029011-6950 |
| Primary APN | 029011-6950 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,535 sqft Living Area |
| Gross Area | 2,964 sqft |
| 1st Floor Area | 1,208 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 | 7,840 sqft (0.18 acres) |
| Garage Type | Attached |
| Garage Area | 429 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 128 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 295 FERNDALE WAY |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-7647 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 92/37-45 WHISPER CREEK PHASE 8 LOT 695 OR6251/255 |
| Legal Range | 28E |
| Legal Township | 06S |
| Legal Section | 38 |
| Legal Subdivision | WHISPER CREEK PHASE 8 |
| Legal Phase | 8 |
| Legal Block | 1 |
| Legal Lot Number | 695 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 4 |
| Census Block | 4022 |
| Census Tract | 20905 |
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 Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 295 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7647 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Nov 4, 2025 | Warranty Deed, Transfer · Conventional Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANC |
| Apr 29, 2021 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage JET HOMELOANS LLC |
| May 12, 2020 | Grant Deed, Transfer DF TITLE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 4, 2025 · Amount on Record |
| Deed Sale | Nov 4, 2025 · Amount on Record |
| Prior Sale | Apr 29, 2021 · Amount on Record |
| Deed Document Number | 202590049 |
| Deed Book / Page | 6251 / 255 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Nov 4, 2025 |
| Property Address | 295 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7647 |
| Document Number | 0062510255 |
| Book / Page | 6251 / 255 |
| Map Reference | MB 92 PG 37-45 |
| Instrument Date | Nov 3, 2025 |
| Instrument | 2025090049 |
| Transaction Type | Transfer |
| Record Updated | Apr 2, 2026 |
| Title Company | SOUTHERN CENTRAL TITLE, SOUTHERN CAPITAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,325.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2140 WATER PLANT RD, SAINT AUGUSTINE, FL 32092-9203 |
| Name | Verified Name |
|---|---|
| Address | 295 FERNDALE WAY, ST AUGUSTINE, FL 32092-7647 |
| Document Number | 0006251257 |
|---|---|
| Date | Nov 4, 2025 |
| Instrument | 6251/257 |
| Name | AMERICAN NEIGHBORHOOD MTG ACCEPTANC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Apr 29, 2021 |
| Property Address | 295 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7647 |
| Document Number | 0052520863 |
| Book / Page | 5252 / 863 |
| Map Reference | MB 92 PG 37-45 |
| Instrument Date | Apr 28, 2021 |
| Instrument | 2021048333 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Oct 23, 2025 |
| Title Company | GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TRUST |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,942.10 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14701 PHILIPS HWY STE 300, 300, JACKSONVILLE, FL 32256-3742 |
| Name | Verified Name |
|---|---|
| Address | 295 FERNDALE WAY, ST AUGUSTINE, FL 32092-7647 |
| Document Number | 0005252865 |
|---|---|
| Date | Apr 29, 2021 |
| Instrument | 5252/865 |
| Name | JET HOMELOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | May 12, 2020 |
| Property Address | 295 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7647 |
| Document Number | 0049410739 |
| Book / Page | 004941 / 000739 |
| Instrument Date | May 8, 2020 |
| Instrument | 36603 |
| Transaction Type | Transfer |
| Record Updated | Jun 26, 2020 |
| Title Company | DF TITLE LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 14701 PHILIPS HWY #300 JACKSONVILLE FL 322563742, 300, JACKSONVILLE, FL 32256-3742 |
| Investor | Possibly a Property Investor |
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 | $334,807 (-13.96%) | $389,678 (-3.95%) Land $90,000 Building $299,678 | |
| 2025 | $7,412.00 (+8.03%) Homeowner's exemption | $389,115 (+2.9%) | $405,709 (-6.54%) Land $95,000 Building $310,709 |
| 2024 | $6,861.00 (+1.48%) Homeowner's exemption | $378,149 (+3%) | $434,118 (+7.26%) Land $100,000 Building $334,118 |
| 2023 | $6,761.00 (+1.81%) Homeowner's exemption | $367,135 (+3%) | $404,748 (+9.99%) Land $84,000 Building $320,748 |
| 2022 | $6,641.00 Homeowner's exemption | $356,442 | $368,000 Land $84,000 Building $284,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| 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 |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 44% of the US · lower than 85% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% 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-NORTHWEST UTILITIES WTP serves 48,040 people · EPA ID FL2554471 |
|---|---|
| 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, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 84 locations within half a mile, as of December 31, 2025
| Provider | Max 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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