St. Johns County property record for 316 Ferndale Way, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,875 sqft · built 2019 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $398,000 (Aug 2025) |
| Tax Bill | $5,632 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Aug 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 029011-7120 |
| Primary APN | 029011-7120 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,875 sqft Living Area |
| Gross Area | 2,446 sqft |
| 1st Floor Area | 1,875 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,098 sqft (0.14 acres) |
| Garage Type | Attached |
| Garage Area | 429 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 249 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 316 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 712 OR6204/1936 |
| Legal Range | 28E |
| Legal Township | 06S |
| Legal Section | 38 |
| Legal Subdivision | WHISPER CREEK PHASE 8 |
| Legal Phase | 8 |
| Legal Block | 1 |
| Legal Lot Number | 712 |
| 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 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 File |
|---|---|
| Mailing Address | 316 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7646 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Mar 2, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC |
| Aug 19, 2025 | Warranty Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC |
| Jul 31, 2019 | Grant Deed, Subdivision Related Transfer · Conventional with PMI JET HOMELOANS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 19, 2025 · Amount on File |
| Deed Sale | Aug 19, 2025 · Amount on File |
| Deed Document Number | 202566916 |
| Deed Book / Page | 6204 / 1936 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 316 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7646 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 316 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7646 |
| Document Number | 0051931846 |
|---|---|
| Date | Mar 2, 2021 |
| Book Page | 5193/1846 |
| Instrument | 2021022884 |
| Name | SIERRA PACIFIC MORTGAGE CO INC |
|---|---|
| Type | Mortgage Company |
| Address | FOLSOM, CA 95630 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Aug 19, 2025 |
| Property Address | 316 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7646 |
| Document Number | 0062041936 |
| Book / Page | 6204 / 1936 |
| Map Reference | MB 92 PG 37-45 |
| Instrument Date | Aug 5, 2025 |
| Instrument | 2025066916 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2025 |
| Title Company | LANDMARK TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,786.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 15 MISTY MARSH DR, SAVANNAH, GA 31419-9872 |
| Name | Verified Name |
|---|---|
| Address | 316 FERNDALE WAY, ST AUGUSTINE, FL 32092-7646 |
| Document Number | 0062041938 |
|---|---|
| Date | Aug 19, 2025 |
| Instrument | 6204/1938 |
| Name | PROSPERITY HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2055 |
| Document Number | 0062041955 |
|---|---|
| Date | Aug 19, 2025 |
| Book Page | 6204/1955 |
| Instrument | 2025066918 |
| Name | PROSPERITY HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | URBANDALE, IA 50322 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jul 31, 2019 |
| Property Address | 316 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7646 |
| Document Number | 0047690496 |
| Book / Page | 004769 / 000496 |
| Instrument Date | Jul 22, 2019 |
| Instrument | 55639 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 17, 2019 |
| Title Company | GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TR |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,821.75 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 316 FERNDALE WAY ST AUGUSTINE FL 320927646, ST AUGUSTINE, FL 32092-7646 |
| Document Number | 47690498 |
|---|---|
| Date | Jul 31, 2019 |
| Book Page | 004769/000498 |
| Instrument | 55640 |
| Name | JET HOMELOANS LLC |
|---|---|
| Address | DALLAS, TX 75252 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 30, 2049 |
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 | $341,542 (+32.93%) Land $90,000 Building $251,542 | $341,542 (-2.53%) Land $90,000 Building $251,542 | |
| 2025 | $5,632.00 (+7.28%) Homeowner's exemption | $256,939 (+2.9%) | $350,394 (-6.62%) Land $95,000 Building $255,394 |
| 2024 | $5,250.00 (+1.39%) Homeowner's exemption | $249,698 (+3%) | $375,226 (+7.76%) Land $100,000 Building $275,226 |
| 2023 | $5,178.00 (+1.69%) Homeowner's exemption | $242,425 (+3%) | $348,220 (+9.52%) Land $84,000 Building $264,220 |
| 2022 | $5,092.00 Homeowner's exemption | $235,364 | $317,942 Land $84,000 Building $233,942 |
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 File 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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