36 Fern Lake Ct, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 36 Fern Lake Ct, Saint Augustine, FL 32095

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,815 sqft · built 2016
Lot Size	0.47 acres (20,473 sqft)
Owner	2 Individual Names on File
Last Sale	$352,000 (Oct 2018)
Tax Bill	$4,393 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Jun 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`026484-0220`

Property Details

APN / Parcel Number

Primary APN	`026484-0220`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Stories	1 Story
Building Area	2,815 sqft Living Area
Gross Area	3,538 sqft
1st Floor Area	2,445 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	20,473 sqft (0.47 acres)
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	36 FERN LAKE CT
City	SAINT AUGUSTINE
State	FL
Zip	32095-8968
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	74/86-98 SANDY CREEK PHASES 2A AND 2B LOT 22 OR4623/572
Legal Range	28E
Legal Township	05S
Legal Section	21
Legal Subdivision	SANDY CREEK PHASES 2A AND 2B
Legal Block	1
Legal Lot Number	22
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2050
Census Tract	20904

Owner

36 Fern Lake Ct is owned and occupied by two individuals who bought it in October 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	36 FERN LAKE CT, SAINT AUGUSTINE, FL 32095-8968
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 27, 2020	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS
Oct 5, 2018	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS
Oct 5, 2018	Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 5, 2018 · Amount on File
Deed Sale	Oct 5, 2018 · Amount on File
Prior Sale	Jun 1, 2016 · Amount on File
Deed Document Number	201872610
Deed Book / Page	4623 / 572
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	36 FERN LAKE CT, SAINT AUGUSTINE, FL 32095-8968
Transaction Type	Mortgage
Record Updated	May 23, 2023
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054280102
Date	Nov 24, 2021
Book Page	5428/102
Instrument	2021127435

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	36 FERN LAKE CT, SAINT AUGUSTINE, FL 32095-8968
Document Number	0049800456
Instrument Date	Jun 27, 2020
Transaction Type	Mortgage
Record Updated	Aug 19, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	36 FERN LAKE CT ST AUGUSTINE FL 320958968, ST AUGUSTINE, FL 32095-8968

Mortgage

Document Number	0049800456
Date	Jul 2, 2020
Book Page	004980/000456
Instrument	52919

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2050

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	36 FERN LAKE CT, SAINT AUGUSTINE, FL 32095-8968
Document Number	0046301609
Instrument Date	Oct 5, 2018
Transaction Type	Mortgage
Record Updated	Nov 9, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2306 W CLOVELLY LN ST AUGUSTINE FL 320925004, ST AUGUSTINE, FL 32092-5004

Mortgage

Document Number	0046301609
Date	Oct 24, 2018
Book Page	004630/001609
Instrument	76774

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 23, 2048

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Oct 5, 2018
Property Address	36 FERN LAKE CT, SAINT AUGUSTINE, FL 32095-8968
Document Number	0046230572
Book / Page	004623 / 000572
Instrument Date	Oct 2, 2018
Instrument	72610
Transaction Type	Transfer
Record Updated	Oct 24, 2018
Title Company	MTI TITLE INSURANCE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,464.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	36 FERN LAKE CT ST AUGUSTINE FL 320958968, ST AUGUSTINE, FL 32095-8968

Mortgage

Document Number	46230574
Date	Oct 5, 2018
Book Page	004623/000574
Instrument	72611

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 4, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 36 Fern Lake Ct was $4,393 with a homeowner's exemption, up 12.5% from the year before.

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

Property Jurisdictions

Type	Name
State	Florida
County	St. Johns County
Unified School District	St. Johns County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$349,364 (+2.7%)	$435,031 (-6.89%) Land $100,000 Building $335,031
2025	$4,393.00 (+12.53%) Homeowner's exemption	$340,179 (+2.9%)	$467,221 (+2.59%) Land $100,000 Building $367,221
2024	$3,904.00 (+1.99%) Homeowner's exemption	$330,592 (+3%)	$455,417 (-0.8%) Land $100,000 Building $355,417
2023	$3,828.00 (+2.88%) Homeowner's exemption	$320,963 (+3%)	$459,081 (+5.18%) Land $100,000 Building $359,081
2022	$3,721.00 Homeowner's exemption	$311,615	$436,487 Land $89,600 Building $346,887

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

Flood

FEMA maps place 36 Fern Lake Ct in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 206 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	206 in force

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

Wildfire risk around 36 Fern Lake Ct is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 57% of the US · lower than 70% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 System	SJCU-NORTHEAST UTILITIES WS serves 14,790 people · EPA ID FL2554475
Water Source	Purchased groundwater from JEA MAJOR GRID
Last State Inspection	Mar 2024
Lead	1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 75 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Fiber	1,200 / 35
Verizon Fixed Wireless	300 / 20

36 Fern Lake Ct, Saint Augustine, FL 32095 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

November 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

June 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

October 2018: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

October 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Fern Lake Ct

Nearby Streets

Search Property Records by Address or Parcel Number