St. Johns County property record for 323 Cedarstone Way, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,566 sqft · built 2019 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | Individual Name on File |
| Last Sale | $310,000 (Mar 2020) |
| Tax Bill | $5,993 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Oct 2023 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 029011-1900 |
| Primary APN | 029011-1900 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 15 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,566 sqft Living Area |
| Gross Area | 3,316 sqft |
| 1st Floor Area | 1,081 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 | 11,761 sqft (0.27 acres) |
| Garage Type | Attached |
| Garage Area | 630 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 196 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 323 CEDARSTONE WAY |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-0009 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 82/1-7 WHISPER CREEK PHASE 4 UNIT C LOT 190 OR4904/233 |
| Legal Range | 28E |
| Legal Township | 06S |
| Legal Section | 38 |
| Legal Subdivision | WHISPER CREEK PHASE 4 UNIT C |
| Legal Phase | 4 |
| Legal Block | 1 |
| Legal Lot Number | 190 |
| Legal Unit | C |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 4 |
| Census Block | 4019 |
| Census Tract | 20905 |
Source: St. Johns County records · APN 029011-1900
Assessment roll updated April 13, 2026 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 323 CEDARSTONE WAY, SAINT AUGUSTINE, FL 32092-0009 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 20, 2026 | Deed of Trust, Mortgage · FHA Mortgage SERVICELINK |
| Oct 05, 2023 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Apr 29, 2022 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Mar 18, 2020 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage DHI MORTGAGE COMPANY LTD |
| Oct 05, 2017 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 18, 2020 · Amount on Record |
| Deed Sale | Mar 18, 2020 · Amount on Record |
| Prior Sale | Oct 05, 2017 · Amount on Record |
| Deed Document Number | 202021678 |
| Deed Book / Page | 4904 / 233 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | May 20, 2026 |
| Property Address | 323 CEDARSTONE WAY, SAINT AUGUSTINE, FL 32092-0009 |
| Document Number | 0000043248 |
| Book / Page | 6367 / 278 |
| Instrument Date | Apr 25, 2026 |
| Instrument | 202643248 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 323 CEDARSTONE WAY, SAINT AUGUSTINE, FL 32092-0009 |
| Document Number | 0000043248, |
|---|---|
| Date | May 20, 2026 |
| Book Page | 6367/278 |
| Instrument | 202643248 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 287 Months |
| Due | Apr 01, 2050 |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 323 CEDARSTONE WAY, SAINT AUGUSTINE, FL 32092-0009 |
| Transaction Type | Mortgage |
| Record Updated | Oct 19, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 32 CEDARSTONE WAY, SAINT AUGUSTINE, FL 32092-0012 |
| Document Number | 0058370960 |
|---|---|
| Date | Oct 05, 2023 |
| Book Page | 5837/960 |
| Instrument | 2023079086 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 318 Months |
| Due | Apr 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 323 CEDARSTONE WAY, SAINT AUGUSTINE, FL 32092-0009 |
| Transaction Type | Mortgage |
| Record Updated | Aug 02, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 323 CEDARSTONE WAY, SAINT AUGUSTINE, FL 32092-0009 |
| Document Number | 0055481388 |
|---|---|
| Date | Apr 29, 2022 |
| Book Page | 5548/1388 |
| Instrument | 2022044209 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 336 Months |
| Due | Apr 01, 2050 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Mar 18, 2020 |
| Property Address | 323 CEDARSTONE WAY, SAINT AUGUSTINE, FL 32092-0009 |
| Document Number | 0049040233 |
| Book / Page | 4904 / 233 |
| Map Reference | MB 82 PG 1-7 |
| Instrument Date | Mar 13, 2020 |
| Instrument | 2020021678 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 02, 2022 |
| Title Company | DHI TITLE OF FLORIDA INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,170.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4220 RACE TRACK RD # RD100, 4220, SAINT JOHNS, FL 32259-2084 |
| Name | Verified Name |
|---|---|
| Address | 323 CEDARSTONE WAY, ST AUGUSTINE, FL 32092-0009 |
| Document Number | 0049040234 |
|---|---|
| Date | Mar 18, 2020 |
| Instrument | 4904/0234 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Oct 05, 2017 |
| Property Address | 323 CEDARSTONE WAY, SAINT AUGUSTINE, FL 32092-0009 |
| Document Number | 0044440540 |
| Book / Page | 004444 / 000540 |
| Instrument Date | Oct 05, 2017 |
| Instrument | 67709 |
| Transaction Type | Transfer |
| Record Updated | Jan 03, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $4,993.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 4220 RACE TRACK RD ST JOHNS FL 322592084, ST JOHNS, FL 32259-2084 |
| Investor | Possibly a Property Investor |
Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $321,252 (+2.7%) | $438,984 (+2.83%) Land $100,000 Building $338,984 | |
| 2025 | $5,993.00 (+8.2%) Homeowner's exemption | $312,806 (+5.99%) | $426,920 (+13.29%) Land $100,000 Building $326,920 |
| 2024 | $5,539.00 (+1.54%) | ||
| 2023 | $5,455.00 (+1.87%) Homeowner's exemption | $295,136 (+3%) | $376,838 (+5.99%) Land $84,000 Building $292,838 |
| 2022 | $5,355.00 Homeowner's exemption | $286,540 | $355,550 Land $84,000 Building $271,550 |
Source: FEMA National Flood Hazard Layer as of September 15, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 |
| Wildfire Risk | Low lower than 62% of the US · lower than 88% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Fiber | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 235 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SJCU-NORTHWEST UTILITIES WTP serves 48,040 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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