St. Johns County property record for 343 Ferndale Way, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,626 sqft · built 2020 |
| Lot Size | 0.13 acres (5,662 sqft) |
| Owner | Individual Name on File |
| Last Sale | $247,884 (Jul 2020) |
| Tax Bill | $5,441 (2025) |
| Deeds & Mortgages | Apr 2023 Line of Credit Jul 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 029011-7010 |
| Primary APN | 029011-7010 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,626 sqft Living Area |
| Gross Area | 2,046 sqft |
| 1st Floor Area | 1,626 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 | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 117 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 343 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 701 OR4913/1527 |
| Legal Range | 28E |
| Legal Township | 06S |
| Legal Section | 38 |
| Legal Subdivision | WHISPER CREEK PHASE 8 |
| Legal Phase | 8 |
| Legal Block | 1 |
| Legal Lot Number | 701 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 4 |
| Census Block | 4022 |
| Census Tract | 20905 |
343 Ferndale Way is owned and occupied by an individual who bought it in July 2020.
Source: St. Johns County records, as of April 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 343 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7647 |
| 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.
| Date | Document |
|---|---|
| Apr 10, 2023 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Jul 23, 2020 | Warranty Deed, Subdivision Related Transfer · VA Mortgage NORTH AMERICAN SAVINGS BANK FSB |
| Mar 31, 2020 | Grant Deed, Transfer DF TITLE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 23, 2020 · Amount on File |
| Deed Sale | Jul 23, 2020 · Amount on File |
| Deed Document Number | 202059632 |
| Deed Book / Page | 4996 / 1916 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 343 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7647 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 343 FEMDALE WAY, SAINT AUGUSTINE, FL 32092 |
| Document Number | 0057370741 |
|---|---|
| Date | Apr 10, 2023 |
| Book Page | 5737/741 |
| Instrument | 2023026388 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Apr 1, 2063 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jul 23, 2020 |
| Property Address | 343 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7647 |
| Document Number | 0049961916 |
| Book / Page | 4996 / 1916 |
| Map Reference | MB 92 PG 37-45 |
| Instrument Date | Jul 22, 2020 |
| Instrument | 2020059632 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 31, 2021 |
| Title Company | GOLDEN DOG TITLE & TRUST |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,735.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14701 PHILIPS HWY STE 300, 14701, JACKSONVILLE, FL 32256-3742 |
| Name | Verified Name |
|---|---|
| Address | 343 FERNDALE WAY, ST AUGUSTINE, FL 32092-7647 |
| Document Number | 49961918 |
|---|---|
| Date | Jul 23, 2020 |
| Instrument | 4996/1918 |
| Name | NORTH AMERICAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Mar 31, 2020 |
| Property Address | 343 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7647 |
| Document Number | 0049131527 |
| Book / Page | 004913 / 001527 |
| Instrument Date | Mar 26, 2020 |
| Instrument | 25657 |
| Transaction Type | Transfer |
| Record Updated | Jun 24, 2020 |
| Title Company | DF TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $1,045.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 14701 PHILIPS HWY #300 JACKSONVILLE FL 322563742, 300, JACKSONVILLE, FL 32256-3742 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 343 Ferndale Way was $5,441 with a homeowner's exemption, up 7.2% 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 | $249,323 (+2.7%) | $313,484 (-2.69%) Land $90,000 Building $223,484 | |
| 2025 | $5,441.00 (+7.17%) Homeowner's exemption | $242,768 (+2.9%) | $322,154 (-6.32%) Land $95,000 Building $227,154 |
| 2024 | $5,077.00 (+1.36%) Homeowner's exemption | $235,926 (+3%) | $343,894 (+8.1%) Land $100,000 Building $243,894 |
| 2023 | $5,009.00 (+1.68%) Homeowner's exemption | $229,054 (+3%) | $318,129 (+9.21%) Land $84,000 Building $234,129 |
| 2022 | $4,926.00 Homeowner's exemption | $222,383 | $291,310 Land $84,000 Building $207,310 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 343 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 343 Ferndale Way is moderate, ranking above 42% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · lower than 86% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Indirect within ember reach |
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 356 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable · Fiber in parts of the area | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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