St. Johns County property record for 308 Ferndale Way, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,498 sqft · built 2020 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $437,900 (Apr 2026) |
| Tax Bill | $6,117 (2025) |
| Deeds & Mortgages | Jul 2025 Line of Credit Apr 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 029011-7130 |
| Primary APN | 029011-7130 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,498 sqft Living Area |
| Gross Area | 2,927 sqft |
| 1st Floor Area | 1,171 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,534 sqft (0.15 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 | 308 FERNDALE WAY |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-7646 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 92/37-45 WHISPER CREEK PHASE 8 LOT 713 OR4950/997 & 6118/509(DM) |
| Legal Range | 28E |
| Legal Township | 06S |
| Legal Section | 38 |
| Legal Subdivision | WHISPER CREEK PHASE 8 |
| Legal Phase | 8 |
| Legal Block | 1 |
| Legal Lot Number | 713 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 4 |
| Census Block | 4040 |
| Census Tract | 20905 |
Source: St. Johns County records, as of July 6, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 308 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7646 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Jul 3, 2025 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Apr 28, 2026 | Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE |
| Apr 28, 2026 | Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE |
| May 27, 2020 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage JET HOMELOANS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 28, 2026 · Amount on Record |
| Deed Sale | Apr 28, 2026 · Amount on Record |
| Prior Sale | May 27, 2020 · Amount on Record |
| Deed Document Number | 202636163 |
| Deed Book / Page | 6352 / 1168 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 308 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7646 |
| Transaction Type | Mortgage |
| Record Updated | May 13, 2026 |
| Name | Verified Name |
|---|---|
| Address | 308 FERNDALE WAY, ST AUGUSTINE, FL 32092-7646 |
| Investor | Possibly a Property Investor |
| Document Number | 0061790737 |
|---|---|
| Date | Jul 3, 2025 |
| Book Page | 6179/737 |
| Instrument | 2025053195 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jun 30, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Apr 28, 2026 |
| Property Address | 308 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7646 |
| Document Number | 0000036163 |
| Book / Page | 6352 / 1168 |
| Instrument Date | Apr 21, 2026 |
| Instrument | 2026.36163 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2026 |
| Title Company | LANDMARK TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $309,595.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000036164, |
|---|---|
| Date | Apr 28, 2026 |
| Instrument | 2026..36164 |
| Name | CROSSCOUNTRY MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Apr 28, 2026 |
| Property Address | 308 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7646 |
| Document Number | 0063521168 |
| Book / Page | 6352 / 1168 |
| Instrument Date | Apr 21, 2026 |
| Instrument | 202636163 |
| Transaction Type | Transfer |
| Record Updated | Jul 6, 2026 |
| Title Company | LANDMARK TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $309,595.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000036164, |
|---|---|
| Date | Apr 28, 2026 |
| Instrument | 202636164 |
| Name | CROSSCOUNTRY MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | May 27, 2020 |
| Property Address | 308 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7646 |
| Document Number | 0049500997 |
| Book / Page | 4950 / 997 |
| Map Reference | MB 92 PG 37-45 |
| Instrument Date | May 27, 2020 |
| Instrument | 2020040412 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 31, 2021 |
| Title Company | GOLDEN DOG TITLE AND TRUST |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,168.60 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14701 PHILIPS HWY STE 300, 14701, JACKSONVILLE, FL 32256-3742 |
| Name | Verified Name |
|---|---|
| Address | 308 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7646 |
| Document Number | 4950999 |
|---|---|
| Date | May 27, 2020 |
| Instrument | 4950/999 |
| Name | JET HOMELOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2050 |
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 | $300,841 (+2.7%) | $377,927 (-5.06%) Land $90,000 Building $287,927 | |
| 2025 | $6,117.00 (+7.52%) Homeowner's exemption | $292,932 (+2.9%) | $398,075 (-4.23%) Land $95,000 Building $303,075 |
| 2024 | $5,689.00 (+1.43%) Homeowner's exemption | $284,676 (+3%) | $415,637 (+7.4%) Land $100,000 Building $315,637 |
| 2023 | $5,609.00 (+1.72%) Homeowner's exemption | $276,384 (+3%) | $387,008 (+9.85%) Land $84,000 Building $303,008 |
| 2022 | $5,514.00 Homeowner's exemption | $268,334 | $352,291 Land $84,000 Building $268,291 |
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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