St. Johns County property record for 354 Cedarstone Way, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,566 sqft · built 2019 |
| Lot Size | 0.28 acres (12,196 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $337,000 (Mar 2019) |
| Tax Bill | $6,765 (2025) |
| Deeds & Mortgages | May 2023 Second Mortgage Mar 2021 Second Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 029011-1800 |
| Primary APN | 029011-1800 |
|---|
| 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 | 12,196 sqft (0.28 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 | 354 CEDARSTONE WAY |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-0010 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 82/1-7 WHISPER CREEK PHASE 4 UNIT C LOT 180 OR4700/304 |
| 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 | 180 |
| 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, 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 Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 354 CEDARSTONE WAY, SAINT AUGUSTINE, FL 32092-0010 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 17, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU |
| Mar 2, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC |
| Oct 15, 2020 | Deed of Trust, Mortgage · VA Mortgage JAMES B NUTTER & CO |
| Mar 27, 2019 | Special Warranty Deed, Subdivision Related Transfer · VA Mortgage DHI MORTGAGE COMPANY LTD |
| Jul 13, 2017 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 27, 2019 · Amount on Record |
| Deed Sale | Mar 27, 2019 · Amount on Record |
| Prior Sale | Jul 1, 2017 · Amount on Record |
| Deed Document Number | 201920760 |
| Deed Book / Page | 4700 / 304 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 354 CEDARSTONE WAY, SAINT AUGUSTINE, FL 32092-0010 |
| Transaction Type | Mortgage |
| Record Updated | May 26, 2023 |
| Name | Verified Name |
|---|---|
| Address | 354 CEDARSTONE WAY, SAINT AUGUSTINE, FL 32092-0010 |
| Document Number | 0057581082 |
|---|---|
| Date | May 17, 2023 |
| Book Page | 5758/1082 |
| Instrument | 2023037619 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Jun 1, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 354 CEDARSTONE WAY, SAINT AUGUSTINE, FL 32092-0010 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Title Company | ACTION TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 354 CEDARSTONE WAY, SAINT AUGUSTINE, FL 32092-0010 |
| Document Number | 0051940482 |
|---|---|
| Date | Mar 2, 2021 |
| Book Page | 5194/482 |
| Instrument | 2021023016 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | PHILADELPHIA, PA 19104 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 354 CEDARSTONE WAY, SAINT AUGUSTINE, FL 32092-0010 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 354 CEDARSTONE WAY, SAINT AUGUSTINE, FL 32092-0010 |
| Document Number | 0050720611 |
|---|---|
| Date | Oct 15, 2020 |
| Book Page | 5072/611 |
| Instrument | 2020091417 |
| Name | JAMES B NUTTER & CO |
|---|---|
| Type | Mortgage Company |
| Address | KANSAS CITY, MO 64111 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Sep 1, 2050 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Mar 27, 2019 |
| Property Address | 354 CEDARSTONE WAY, SAINT AUGUSTINE, FL 32092-0010 |
| Document Number | 0047000304 |
| Book / Page | 4700 / 0304 |
| Map Reference | MB 82 PG 1-7 |
| Instrument Date | Mar 25, 2019 |
| Instrument | 2019020760 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 31, 2021 |
| Title Company | DHI TITLE OF FLORIDA INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,359.00 |
| 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 | 354 CEDAR STONE WAY, SAINT AUGUSTINE, FL 32092-0010 |
| Document Number | 2019020761 |
|---|---|
| Date | Mar 27, 2019 |
| Instrument | 2019020761 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jul 13, 2017 |
| Property Address | 354 CEDARSTONE WAY, SAINT AUGUSTINE, FL 32092-0010 |
| Document Number | 0044031553 |
| Book / Page | 004403 / 001553 |
| Instrument Date | Jul 11, 2017 |
| Instrument | 48195 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $4,926.00 |
| 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 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 | $390,461 (+2.7%) | $508,605 (+1.36%) Land $110,000 Building $398,605 | |
| 2025 | $6,765.00 (+8.5%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $380,196 (+2.9%) | $501,762 (-1.06%) Land $110,000 Building $391,762 |
| 2024 | $6,235.00 (+1.61%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $369,481 (+3%) | $507,114 (+9.7%) Land $110,000 Building $397,114 |
| 2023 | $6,136.00 (+1.98%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $358,719 (+3%) | $462,256 (+6.87%) Land $89,600 Building $372,656 |
| 2022 | $6,017.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $348,271 | $432,557 Land $89,600 Building $342,957 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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 |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 88% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
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 235 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Fiber | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
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