St. Johns County property record for 309 Ferndale Way, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,872 sqft · built 2020 |
| Lot Size | 0.13 acres (5,662 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $484,000 (Aug 2024) |
| Tax Bill | $6,206 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Jun 2023 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 029011-6970 |
| Primary APN | 029011-6970 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 1,872 sqft Living Area |
| Gross Area | 2,313 sqft |
| 1st Floor Area | 960 sqft |
| Flooring | Wood |
| 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 | 5,662 sqft (0.13 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 309 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 697 OR5998/702 |
| Legal Range | 28E |
| Legal Township | 06S |
| Legal Section | 38 |
| Legal Subdivision | WHISPER CREEK PHASE 8 |
| Legal Phase | 8 |
| Legal Block | 1 |
| Legal Lot Number | 697 |
| 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 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 | 309 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7647 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Dec 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jun 9, 2023 | Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK |
| Aug 6, 2024 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Aug 10, 2020 | Warranty Deed, Subdivision Related Transfer · FHA Mortgage JET HOMELOANS LLC |
| Mar 31, 2020 | Grant Deed, Transfer DF TITLE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 6, 2024 · Amount on Record |
| Deed Sale | Aug 6, 2024 · Amount on Record |
| Prior Sale | Aug 10, 2020 · Amount on Record |
| Deed Document Number | 202461663 |
| Deed Book / Page | 5998 / 702 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 309 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7647 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0054540860 |
|---|---|
| Date | Dec 28, 2021 |
| Book Page | 5454/860 |
| Instrument | 2021139383 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 309 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7647 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 309 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7647 |
| Document Number | 0057721481 |
|---|---|
| Date | Jun 9, 2023 |
| Book Page | 5772/1481 |
| Instrument | 2023044818 |
| Name | COASTAL COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | BURLINGAME, CA 94010 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Aug 6, 2024 |
| Property Address | 309 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7647 |
| Document Number | 0059980702 |
| Book / Page | 5998 / 702 |
| Map Reference | MB 92 PG 37 |
| Instrument Date | Aug 1, 2024 |
| Instrument | 2024061663 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2025 |
| Title Company | LAND TITLE/AMERICA INC, LAND TITLE OF AMERICA INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,388.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 100 VENTURES DR # 416, 416, SAINT AUGUSTINE, FL 32095-0173 |
| Name | Verified Name |
|---|---|
| Address | 309 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7647 |
| Document Number | 2024061664 |
|---|---|
| Date | Aug 6, 2024 |
| Instrument | 2024061664 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Aug 10, 2020 |
| Property Address | 309 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7647 |
| Document Number | 0050120635 |
| Book / Page | 5012 / 635 |
| Map Reference | MB 92 PG 37-45 |
| Instrument Date | Jul 28, 2020 |
| Instrument | 2020066047 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 31, 2021 |
| Title Company | GOLDEN DOG TITLE & TRUST |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,862.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14701 PHILIPS HWY STE 300, 14701, JACKSONVILLE, FL 32256-3742 |
| Name | Verified Name |
|---|---|
| Address | 309 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7647 |
| Document Number | 5012637 |
|---|---|
| Date | Aug 10, 2020 |
| Instrument | 5012/637 |
| Name | JET HOMELOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Mar 31, 2020 |
| Property Address | 309 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7647 |
| Document Number | 0049131571 |
| Book / Page | 004913 / 001571 |
| Instrument Date | Mar 26, 2020 |
| Instrument | 25663 |
| Transaction Type | Transfer |
| Record Updated | Jun 24, 2020 |
| Title Company | DF TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $348.00 |
| Amount Accuracy | Confirmed |
| 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 | $307,593 (+2.7%) | $365,777 (-3.9%) Land $90,000 Building $275,777 | |
| 2025 | $6,206.00 (+2.34%) Homeowner's exemption | $299,506 (-4.8%) | $380,615 (-5.85%) Land $95,000 Building $285,615 |
| 2024 | $6,064.00 (+1.44%) Homeowner's exemption | $314,615 (+3%) | $404,245 (+1.38%) Land $100,000 Building $304,245 |
| 2023 | $5,978.00 (+17.58%) Homeowner's exemption | $305,451 (+30.14%) | $398,745 (+30.19%) Land $84,000 Building $314,745 |
| 2022 | $5,084.00 Homeowner's exemption | $234,710 | $306,271 Land $84,000 Building $222,271 |
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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures