St. Johns County property record for 317 Ferndale Way, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,498 sqft · built 2020 |
| Lot Size | 0.13 acres (5,662 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $6,291 (2025) |
| Deeds & Mortgages | May 2022 Mortgage Jul 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 029011-6980 |
| Primary APN | 029011-6980 |
|---|
| 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 | 5,662 sqft (0.13 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 | 317 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 698 OR5555/603 |
| Legal Range | 28E |
| Legal Township | 06S |
| Legal Section | 38 |
| Legal Subdivision | WHISPER CREEK PHASE 8 |
| Legal Phase | 8 |
| Legal Block | 1 |
| Legal Lot Number | 698 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 4 |
| Census Block | 4022 |
| Census Tract | 20905 |
317 Ferndale Way is owned and occupied by two individuals who acquired it in May 2022.
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 | 317 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7647 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| May 10, 2022 | Intrafamily Transfer, Transfer · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Jul 10, 2020 | Warranty Deed, Subdivision Related Transfer · FHA Mortgage JET HOMELOANS LLC |
| Mar 27, 2020 | Loan Modification, Mortgage · Line of Credit REGIONS BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 10, 2022 |
| Deed Sale | May 10, 2022 |
| Prior Sale | Jul 10, 2020 · Amount on File |
| Deed Document Number | 202247553 |
| Deed Book / Page | 5555 / 603 |
| Prior Transfer Date | May 2, 2022 |
| Prior Transfer Doc | 0055550603 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | May 10, 2022 |
| Property Address | 317 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7647 |
| Document Number | 0055550603 |
| Book / Page | 5555 / 603 |
| Map Reference | MB 92 PG 37-45 |
| Instrument Date | May 2, 2022 |
| Instrument | 2022047553 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2025 |
| Title Company | TITLE 365, TITLE365 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 317 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7647 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 317 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7647 |
| Investor | Possibly a Property Investor |
| Document Number | 0005555607 |
|---|---|
| Date | May 10, 2022 |
| Instrument | 5555/607 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jul 10, 2020 |
| Property Address | 317 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7647 |
| Document Number | 0049870712 |
| Book / Page | 4987 / 712 |
| Map Reference | MB 92 PG 37-45 |
| Instrument Date | Jul 9, 2020 |
| Instrument | 2020055703 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 31, 2021 |
| Title Company | GOLDEN DOG TITLE & TRUST |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,089.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14701 PHILIPS HWY STE 300, 14701, JACKSONVILLE, FL 32256-3742 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 317 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7647 |
| Document Number | 4987714 |
|---|---|
| Date | Jul 10, 2020 |
| Instrument | 4987/714 |
| Name | JET HOMELOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 317 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7647 |
| Document Number | 0049121320 |
| Instrument Date | Mar 27, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 26, 2020 |
| Title Company | DF TITLE LLC |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 14701 PHILIPS HWY JACKSONVILLE FL 322563743, JACKSONVILLE, FL 32256-3743 |
| Investor | Possibly a Property Investor |
| Document Number | 0049121320 |
|---|---|
| Date | Mar 30, 2020 |
| Book Page | 004912/001320 |
| Instrument | 25208 |
| Name | REGIONS BK |
|---|---|
| Type | Bank |
| Address | 70 N BAYLEN ST # 4TH, PENSACOLA, FL 32502-5613 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 317 Ferndale Way was $6,291 with a homeowner's exemption, up 7.6% from the year before.
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 | $314,145 (+2.7%) | $380,918 (-5.4%) Land $90,000 Building $290,918 | |
| 2025 | $6,291.00 (+7.61%) Homeowner's exemption | $305,886 (+2.9%) | $402,647 (-6.59%) Land $95,000 Building $307,647 |
| 2024 | $5,846.00 (+1.41%) Homeowner's exemption | $297,265 (+3%) | $431,041 (+7.28%) Land $100,000 Building $331,041 |
| 2023 | $5,765.00 (+1.75%) Homeowner's exemption | $288,607 (+3%) | $401,796 (+9.97%) Land $84,000 Building $317,796 |
| 2022 | $5,666.00 Homeowner's exemption | $280,201 | $365,385 Land $84,000 Building $281,385 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 317 Ferndale Way in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.
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.
Wildfire risk around 317 Ferndale Way is moderate, ranking above 44% of the US, with a 0.06% annual chance of wildfire.
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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