409 Sweet Oak Way, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 409 Sweet Oak Way, Saint Augustine, FL 32095

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,935 sqft · built 2018
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on Record
Last Sale	$448,000 (Feb 2025)
Tax Bill	$4,659 (2025)
Deeds & Mortgages	Feb 2025 Sale & Mortgage Jan 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`023713-0520`

Property Details

APN / Parcel Number

Primary APN	`023713-0520`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	1,935 sqft Living Area
Gross Area	2,431 sqft
1st Floor Area	827 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	396 sqft
Parking Spaces	1 Parking Space
Porch	Finished Screened Porch
Porch Area	136 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	409 SWEET OAK WAY
City	ST AUGUSTINE
State	FL
Zip	32095-9000
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	82/79-85 CREEKSIDE AT TWIN CREEKS PHASE 1B LOT 52 OR6098/1148
Legal Range	28E
Legal Township	05S
Legal Section	11
Legal Subdivision	CREEKSIDE AT TWIN CREEKS PHASE 1B
Legal Phase	1B
Legal Lot Number	52
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2032
Census Tract	20904

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 Record	Individual Name on Record
Mailing Address	409 SWEET OAK WAY, SAINT AUGUSTINE, FL 32095-9000
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Feb 14, 2025	Warranty Deed, Transfer · Conventional Mortgage PLAZA HOME MORTGAGE INC
Jan 24, 2019	Special Warranty Deed, Subdivision Related Transfer · ARM EAGLE HOME MORTGAGE LLC
Apr 13, 2018	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 14, 2025 · Amount on Record
Deed Sale	Feb 14, 2025 · Amount on Record
Prior Sale	Jan 24, 2019 · Amount on Record
Deed Document Number	202511561
Deed Book / Page	6098 / 1148
Record Updated	Jun 8, 2026

February 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Feb 14, 2025
Property Address	409 SWEET OAK WAY, SAINT AUGUSTINE, FL 32095-9000
Document Number	0060981148
Book / Page	6098 / 1148
Map Reference	MB 82 PG 79-85
Instrument Date	Feb 12, 2025
Instrument	2025011561
Transaction Type	Transfer
Record Updated	Oct 23, 2025
Title Company	PONTE VEDRA TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,136.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	146 DOGLEG RUN, SAINT JOHNS, FL 32259-3253

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 SWEET OAK WAY, ST AUGUSTINE, FL 32095-9000

Mortgage

Document Number	2025011562
Date	Feb 14, 2025
Instrument	2025011562

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

January 2019: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jan 24, 2019
Property Address	409 SWEET OAK WAY, SAINT AUGUSTINE, FL 32095-9000
Document Number	0046710769
Book / Page	4671 / 0769
Map Reference	MB 82 PG 79
Instrument Date	Jan 23, 2019
Instrument	2019005324
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 2, 2022
Title Company	CALATLANTIC TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,072.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9440 PHILIPS HWY STE 7, 9440, JACKSONVILLE, FL 32256-1339

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 SWEET OAK WAY, SAINT AUGUSTINE, FL 32095-9000

Mortgage

Document Number	2019005325
Date	Jan 24, 2019
Instrument	2019005325

Lender

Name	EAGLE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Feb 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8%
Index	1-Year LIBOR
Max Rate	8%

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST JOHNS FL
Recording Date	Apr 13, 2018
Property Address	409 SWEET OAK WAY, SAINT AUGUSTINE, FL 32095-9000
Document Number	0045311163
Book / Page	004531 / 001163
Instrument Date	Apr 12, 2018
Instrument	25139
Transaction Type	Transfer
Record Updated	May 8, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$4,816.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	9440 PHILIPS HWY #7 JACKSONVILLE FL 322561339, 7, JACKSONVILLE, FL 32256-1339
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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		$345,589 (+34.43%) Land $90,000 Building $255,589	$345,589 (-2.74%) Land $90,000 Building $255,589
2025	$4,659.00 (+8.96%) Homeowner's exemption	$257,078 (+2.9%)	$355,310 (-3.4%) Land $95,000 Building $260,310
2024	$4,276.00 (+0.56%) Homeowner's exemption	$249,833 (+3%)	$367,802 (+15.82%) Land $95,000 Building $272,802
2023	$4,252.00 (+2.06%) Homeowner's exemption	$242,556 (+3%)	$317,556 (+2.87%) Land $95,000 Building $222,556
2022	$4,166.00 Homeowner's exemption	$235,491	$308,685 Land $84,000 Building $224,685

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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Moderate above 46% of the US · lower than 83% of Florida
Wildfire Likelihood	0.07% 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
Also Mapped Here	SJCU-CR214 MAINLAND WTP
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 128 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

Nearby Properties on Sweet Oak Way

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures