St. Johns County property record for 326 Willow Lake Dr, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,756 sqft · built 2019 |
| Lot Size | 0.18 acres (7,840 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,133 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Sep 2021 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 028991-1780 |
| Primary APN | 028991-1780 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,756 sqft Living Area |
| Gross Area | 3,431 sqft |
| 1st Floor Area | 2,756 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 | 7,840 sqft (0.18 acres) |
| Garage Type | Attached |
| Garage Area | 675 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 368 sqft |
| Patio Area | 517 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 326 WILLOW LAKE DR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-9344 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 93/36-44 GRAN LAKE PHASE 2 LOT 178 OR5479/698 |
| Legal Range | 28E |
| Legal Township | 07S |
| Legal Section | 41 |
| Legal Subdivision | GRAN LAKE PHASE 2 |
| Legal Phase | 2 |
| Legal Block | 1 |
| Legal Lot Number | 178 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 20906 |
Source: St. Johns County records · APN 028991-1780
Assessment roll updated April 13, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 326 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9344 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 27, 2022 | Special Warranty Deed, Transfer · VA Mortgage KEYSTONE FUNDING INC |
| Sep 08, 2021 | Warranty Deed, Transfer STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Mar 13, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU |
| Jun 11, 2019 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage JET HOMELOANS LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 27, 2022 |
| Deed Sale | Jan 27, 2022 |
| Prior Sale | Sep 08, 2021 · Amount on Record |
| Deed Document Number | 20229795 |
| Deed Book / Page | 5479 / 698 |
| Record Updated | Sep 20, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jan 27, 2022 |
| Property Address | 326 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9344 |
| Document Number | 0054790698 |
| Book / Page | 5479 / 698 |
| Map Reference | MB 93 PG 36 |
| Instrument Date | Nov 16, 2021 |
| Instrument | 2022009795 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2025 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4343 N SCOTTSDALE RD STE 390, 390, SCOTTSDALE, AZ 85251-3347 |
| Name | Verified Name |
|---|---|
| Address | 326 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9344 |
| Document Number | 0005479701 |
|---|---|
| Date | Jan 27, 2022 |
| Instrument | 5479/701 |
| Name | KEYSTONE FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Nov 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Sep 08, 2021 |
| Property Address | 326 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9344 |
| Document Number | 0053611914 |
| Book / Page | 5361 / 1914 |
| Map Reference | MB 93 PG 36 |
| Instrument Date | Aug 27, 2021 |
| Instrument | 2021098150 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2025 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,362.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 213 CANTABRIA WAY UNIT 202, 202, SAINT AUGUSTINE, FL 32086-9502 |
| Name | Verified Name |
|---|---|
| Address | 4343 N SCOTTSDALE RD STE 390, 390, SCOTTSDALE, AZ 85251-3347 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 326 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9344 |
| Document Number | 0049070253 |
| Instrument Date | Mar 13, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 18, 2020 |
| Title Company | NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS |
| Name | Verified Name |
|---|---|
| Address | 326 WILLOW LAKE DR ST AUGUSTINE FL 320929344, ST AUGUSTINE, FL 32092-9344 |
| Document Number | 0049070253 |
|---|---|
| Date | Mar 23, 2020 |
| Book Page | 004907/000253 |
| Instrument | 22907 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 22, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jun 11, 2019 |
| Property Address | 326 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9344 |
| Document Number | 0047381814 |
| Book / Page | 4738 / 1814 |
| Map Reference | MB 93 PG 36-44 |
| Instrument Date | May 30, 2019 |
| Instrument | 2019040572 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 02, 2022 |
| Title Company | GOLDEN DOG TITLE & TRUST |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,462.60 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14701 PHILIPS HWY STE 300, 14701, JACKSONVILLE, FL 32256-3742 |
| Name | Verified Name |
|---|---|
| Address | 326 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9344 |
| Document Number | 0047381816 |
|---|---|
| Date | Jun 11, 2019 |
| Instrument | 4738/1816 |
| Name | JET HOMELOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2049 |
Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified August 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 | $410,860 (+2.7%) | $498,530 (-0.54%) Land $125,000 Building $373,530 | |
| 2025 | $5,133.00 (+12.27%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $400,058 (+2.9%) | $501,240 (-2.88%) Land $115,000 Building $386,240 |
| 2024 | $4,572.00 (+2.01%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $388,783 (+3%) | $516,120 (+5.41%) Land $110,000 Building $406,120 |
| 2023 | $4,482.00 (+2.82%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $377,459 (+3%) | $489,636 (+15.56%) Land $106,000 Building $383,636 |
| 2022 | $4,359.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $366,465 | $423,691 Land $84,000 Building $339,691 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 62 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 62 in force |
| Wildfire Risk | Moderate above 51% of the US · lower than 78% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% 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) |
|---|---|
| Xfinity Cable · Fiber in parts of the area | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
Based on FCC filings for 82 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-CR214 MAINLAND WTP serves 66,953 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2025 |
| Lead | Under 1 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 6 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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