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324 Ferndale Way, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 324 Ferndale Way, Saint Augustine, FL 32092

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,498 sqft · built 2019
Lot Size0.13 acres (5,662 sqft)
OwnerIndividual Name on Record
Last Sale$500,000 (Oct 2021)
Tax Bill$7,565 (2025)
Deeds & MortgagesNov 2022 Mortgage
Jun 2023 Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APN029011-7110

Property Details

APN / Parcel Number

Primary APN029011-7110

Interior

Bedrooms4 Beds
Full Baths3 Baths
Plumbing Fixtures13 Plumbing Fixtures
Stories2 Stories
Building Area2,498 sqft Living Area
Gross Area3,055 sqft
1st Floor Area1,171 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2019
Effective Year BuiltEffective 2019
Exterior MaterialConcrete
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area5,662 sqft (0.13 acres)
Garage TypeAttached
Garage Area429 sqft
Parking Spaces2 Parking Spaces
PorchFinished Screened Porch
Porch Area348 sqft
Patio Area371 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address324 FERNDALE WAY
CitySAINT AUGUSTINE
StateFL
Zip32092-7646
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description92/37-45 WHISPER CREEK PHASE 8 LOT 711 OR5399/1036
Legal Range28E
Legal Township06S
Legal Section38
Legal SubdivisionWHISPER CREEK PHASE 8
Legal Phase8
Legal Block1
Legal Lot Number711
JurisdictionST JOHNS FL
Township / Civil DivisionST. AUGUSTINE
Census Block Group4
Census Block4040
Census Tract20905

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address324 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7646
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 15, 2022Deed of Trust, Mortgage · FHA Mortgage
CROSSCOUNTRY MORTGAGE LLC
Jun 16, 2023Deed of Trust, Mortgage · FHA Mortgage
CROSSCOUNTRY MORTGAGE LLC
Oct 21, 2021Warranty Deed, Transfer · Conventional Mortgage
CROSSCOUNTRY MORTGAGE LLC
May 20, 2021Warranty Deed, Transfer · Conventional Mortgage
KELLER MORTGAGE LLC
Sep 26, 2019Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
JET HOMELOANS LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 21, 2021 · Amount on Record
Deed SaleOct 21, 2021 · Amount on Record
Prior SaleMay 20, 2021 · Amount on Record
Deed Document Number2021114720
Deed Book / Page5399 / 1036
Record UpdatedJun 8, 2026

November 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address324 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7646
Transaction TypeMortgage
Record UpdatedOct 23, 2025
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

NameVerified Name
Address324 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7646

Mortgage

Document Number0056641911
DateNov 15, 2022
Book Page5664/1911
Instrument2022104917
Lender
NameCROSSCOUNTRY MORTGAGE LLC
TypeMortgage Company
AddressBRECKSVILLE, OH 44141
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term314 Months
DueJan 1, 2049

June 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address324 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7646
Transaction TypeMortgage
Record UpdatedOct 23, 2025
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

NameVerified Name
Address324 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7646

Mortgage

Document Number0057760716
DateJun 16, 2023
Book Page5776/716
Instrument2023046848
Lender
NameCROSSCOUNTRY MORTGAGE LLC
TypeMortgage Company
AddressCLEVELAND, OH 44114
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueJul 1, 2053

October 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateOct 21, 2021
Property Address324 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7646
Document Number0053991036
Book / Page5399 / 1036
Map ReferenceMB 92 PG 37-45
Instrument DateOct 21, 2021
Instrument2021114720
Transaction TypeTransfer
Record UpdatedOct 23, 2025
Title CompanyPRESTIGE SETTLEMENT ASSOCS, PRESTIGE SETTLEMENT ASSC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,500.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 110635, LAKEWOOD RCH, FL 34211-0008

Transferred To (Grantee/Buyer)

NameVerified Name
Address324 FERNDALE WAY, ST AUGUSTINE, FL 32092-7646

Mortgage

Document Number0053991038
DateOct 21, 2021
Instrument5399/1038
Lender
NameCROSSCOUNTRY MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 1, 2051

May 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateMay 20, 2021
Property Address324 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7646
Document Number0052691963
Book / Page5269 / 1963
Map ReferenceMB 92 PG 37-45
Instrument DateMay 19, 2021
Instrument2021056766
Transaction TypeTransfer
Record UpdatedOct 23, 2025
Title CompanyPRESTIGE SETTLEMENT ASSOCS, PRESTIGE SETTLEMENT ASSC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,038.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address497 LATROBE AVE, ST AUGUSTINE, FL 32095-8619

Transferred To (Grantee/Buyer)

NameVerified Name
Address324 FERNDALE WAY, ST AUGUSTINE, FL 32092-7646

Mortgage

Document Number0052691965
DateMay 20, 2021
Instrument5269/1965
Lender
NameKELLER MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 1, 2051

September 2019: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateSep 26, 2019
Property Address324 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7646
Document Number0048020749
Book / Page4802 / 0749
Map ReferenceMB 92 PG 37-45
Instrument DateSep 16, 2019
Instrument2019071695
Transaction TypeSubdivision Related Transfer
Record UpdatedMay 2, 2022
Title CompanyGOLDEN DOG TITLE & TRUST

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,100.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address14701 PHILIPS HWY STE 300, 14701, JACKSONVILLE, FL 32256-3742

Transferred To (Grantee/Buyer)

NameVerified Name
Address324 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7646

Mortgage

Document Number0004802751
DateSep 26, 2019
Instrument4802/751
Lender
NameJET HOMELOANS LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 1, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountySt. Johns County
Unified School DistrictSt. Johns County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$384,047 (-4.09%) Land $90,000 Building $294,047$384,047 (-5.07%) Land $90,000 Building $294,047
2025$7,565.00 (+8.09%) Homeowner's exemption$400,444 (+2.9%)$404,549 (-7.26%) Land $95,000 Building $309,549
2024$6,999.00 (+1.48%) Homeowner's exemption$389,158 (+3%)$436,232 (+7.24%) Land $100,000 Building $336,232
2023$6,897.00 (+1.82%) Homeowner's exemption$377,823 (+3%)$406,780 (+10.89%) Land $84,000 Building $322,780
2022$6,774.00 Homeowner's exemption$366,818$366,818 Land $84,000 Building $282,818

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 15, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 79 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies79 in force
Nearby Flood Claims1 (2017)
Most Recent ClaimSep 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

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

Wildfire RiskModerate
above 44% of the US · lower than 85% of Florida
Wildfire Likelihood0.06% annual chance
ExposureDirect
burnable vegetation

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 SystemSJCU-NORTHWEST UTILITIES WTP
serves 48,040 people · EPA ID FL2554471
Water SourceGroundwater
Last State InspectionJun 2024
Also Mapped HereSJCU-CR214 MAINLAND WTP
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 84 locations within half a mile, as of December 31, 2025

ProviderMax 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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