32 Fern Lake Ct, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 32 Fern Lake Ct, Saint Augustine, FL 32095

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,519 sqft · built 2018
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on File
Last Sale	$395,000 (Apr 2021)
Tax Bill	$6,211 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Mar 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`026484-0230`

Property Details

APN / Parcel Number

Primary APN	`026484-0230`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Stories	1 Story
Building Area	2,519 sqft Living Area
Gross Area	2,944 sqft
1st Floor Area	2,519 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,761 sqft (0.27 acres)
Garage Type	Attached
Garage Area	425 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	32 FERN LAKE CT
City	SAINT AUGUSTINE
State	FL
Zip	32095-8968
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	74/86-98 SANDY CREEK PHASES 2A AND 2B LOT 23 OR5251/1622
Legal Range	28E
Legal Township	05S
Legal Section	21
Legal Subdivision	SANDY CREEK PHASES 2A AND 2B
Legal Block	1
Legal Lot Number	23
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2050
Census Tract	20904

Owner

32 Fern Lake Ct is owned and occupied by two individuals who bought it in April 2021.

Source: St. Johns County records, as of April 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	32 FERN LAKE CT, SAINT AUGUSTINE, FL 32095-8968
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2021	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Mar 6, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Jan 29, 2018	Warranty Deed, Transfer · Conventional Mortgage APPROVED MORTGAGE SOURCE LLC
Sep 29, 2017	Loan Modification, Mortgage · Line of Credit FIDELITY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2021 · Amount on File
Deed Sale	Apr 29, 2021 · Amount on File
Prior Sale	Jan 29, 2018 · Amount on File
Deed Document Number	202148047
Deed Book / Page	5251 / 1622
Prior Transfer Date	Feb 21, 2020
Prior Transfer Doc	0048971124
Record Updated	Jun 8, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Apr 29, 2021
Property Address	32 FERN LAKE CT, SAINT AUGUSTINE, FL 32095-8968
Document Number	0052511622
Book / Page	5251 / 1622
Map Reference	MB 74 PG 86-98
Instrument Date	Apr 26, 2021
Instrument	2021048047
Transaction Type	Transfer
Record Updated	May 23, 2023
Title Company	FLORIDA HOME SETTLEMENT SERVICES LLC, FLORIDA HOME SETMNT SVCS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,765.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 FERN LAKE CT, SAINT AUGUSTINE, FL 32095-8968

Mortgage

Document Number	0052511624
Date	Apr 29, 2021
Instrument	5251/1624

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

March 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOHNS FL
Recording Date	Mar 6, 2020
Property Address	32 FERN LAKE CT, SAINT AUGUSTINE, FL 32095-8968
Document Number	0048971124
Book / Page	4897 / 1124
Map Reference	MB 74 PG 86-98
Instrument Date	Feb 21, 2020
Instrument	2020018354
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	AMROCK INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	32 FERN LAKE CT, SAINT AUGUSTINE, FL 32095-8968

Mortgage

Document Number	48971129
Date	Mar 6, 2020
Instrument	4897/1129

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2050

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jan 29, 2018
Property Address	32 FERN LAKE CT, SAINT AUGUSTINE, FL 32095-8968
Document Number	0044951800
Book / Page	4495 / 1800
Map Reference	MB74 PG86-98
Instrument Date	Jan 26, 2018
Instrument	2018006263
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2120 CORP SQ # BLVD3, 2120, JACKSONVILLE, FL 32216-0306

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 FERN LAKE CT, SAINT AUGUSTINE, FL 32095-8968

Mortgage

Document Number	2018006264
Date	Jan 29, 2018
Instrument	2018006264

Lender

Name	APPROVED MORTGAGE SOURCE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2048

September 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST JOHNS FL
Recording Date	Sep 29, 2017
Property Address	32 FERN LAKE CT, SAINT AUGUSTINE, FL 32095-8968
Document Number	0044410609
Book / Page	004441 / 000609
Instrument Date	Sep 27, 2017
Instrument	66306
Transaction Type	Mortgage
Record Updated	Oct 26, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2120 CORPORATE SQUARE BLVD #7 JACKSONVILLE FL 322161976, 7, JACKSONVILLE, FL 32216-1976

Mortgage

Document Number	44410609
Date	Sep 29, 2017
Book Page	004441/000609
Instrument	66306

Lender

Name	FIDELITY BK
Type	Bank
Address	10611 DEERWOOD PARK BLVD, JACKSONVILLE, FL 32256-0509

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Sep 28, 2018

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 32 Fern Lake Ct was $6,211, up 11.2% from the year before.

Source: St. Johns County assessment roll, as of April 13, 2026

Property Jurisdictions

Type	Name
State	Florida
County	St. Johns County
Unified School District	St. Johns County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$402,989 (-7.65%) Land $100,000 Building $302,989	$402,989 (-7.65%) Land $100,000 Building $302,989
2025	$6,211.00 (+11.19%)	$436,379 (+2.63%)	$436,379 (+2.63%) Land $100,000 Building $336,379
2024	$5,586.00 (-1.88%)	$425,217 (-0.77%)	$425,217 (-0.77%) Land $100,000 Building $325,217
2023	$5,693.00 (+5.39%)	$428,502 (+6.14%)	$428,502 (+6.14%) Land $100,000 Building $328,502
2022	$5,402.00	$403,730	$403,730 Land $89,600 Building $314,130

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 32 Fern Lake Ct in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 206 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	206 in force

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

Wildfire risk around 32 Fern Lake Ct is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 57% of the US · lower than 70% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SJCU-NORTHEAST UTILITIES WS serves 14,790 people · EPA ID FL2554475
Water Source	Purchased groundwater from JEA MAJOR GRID
Last State Inspection	Mar 2024
Lead	1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 75 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Fiber	1,200 / 35
Verizon Fixed Wireless	300 / 20

32 Fern Lake Ct, Saint Augustine, FL 32095 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

April 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

March 2020: Intrafamily Transfer, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

January 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

September 2017: Loan Modification, Mortgage

Transaction

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Fern Lake Ct

Nearby Streets

Search Property Records by Address or Parcel Number