St. Johns County property record for 410 Wateroak St, Saint Augustine, FL 32086
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,652 sqft · built 2005 |
| Lot Size | 0.58 acres (25,264 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,951 (2025) |
| Deeds & Mortgages | Jan 2022 Line of Credit Mar 2021 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 183601-6002 |
| Primary APN | 183601-6002 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,652 sqft Living Area |
| Gross Area | 2,093 sqft |
| 1st Floor Area | 1,542 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Concrete |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 25,264 sqft (0.58 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
| Porch Area | 217 sqft |
| Patio Area | 88 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 410 WATEROAK ST |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32086-7633 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS2 |
| Legal Description | 13-55 56 CRESCENT COVE UNIT 1 LOT 2 BLK 6 OR1256/1257 &2804/1145(F/J) & 2809/160(QC) & 5213/1690(Q/C) & 5461/349(C/Q) |
| Legal Range | 30E |
| Legal Township | 08S |
| Legal Section | 32 |
| Legal Subdivision | CRESCENT COVE SUBDIVISION UNIT 1 |
| Legal Block | 6 |
| Legal Lot Number | 2 |
| Legal Unit | 1 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | MATANZAS |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 21208 |
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 | 410 WATEROAK ST, SAINT AUGUSTINE, FL 32086-7633 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 4, 2022 | Correction Deed · Line of Credit VYSTAR CU |
| Mar 22, 2021 | Intrafamily Transfer, Transfer |
| Mar 16, 2017 | Deed of Trust, Mortgage · Line of Credit VYSTAR CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Nov 4, 2021 |
| Transfer Doc | 0054610349 |
| Record Updated | Sep 20, 2026 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jan 4, 2022 |
| Property Address | 410 WATEROAK ST, SAINT AUGUSTINE, FL 32086-7633 |
| Document Number | 0054610349 |
| Book / Page | 5461 / 349 |
| Map Reference | MB 13 PG 55&56 |
| Instrument Date | Nov 4, 2021 |
| Instrument | 2022000927 |
| Record Updated | Oct 23, 2025 |
| Title Company | VYSTAR TITLE AGENCY, VYSTAR TITLE AGENCY LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|---|
| Address | 410 WATEROAK ST, ST AUGUSTINE, FL 32086-7633 |
| Name | Verified Name |
|---|---|
| Address | 410 WATEROAK ST, ST AUGUSTINE, FL 32086-7633 |
| Document Number | 0005461350 |
|---|---|
| Date | Jan 4, 2022 |
| Instrument | 5461/350 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jan 1, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Mar 22, 2021 |
| Property Address | 410 WATEROAK ST, SAINT AUGUSTINE, FL 32086-7633 |
| Document Number | 0052131690 |
| Book / Page | 5213 / 1690 |
| Instrument Date | Jun 14, 2020 |
| Instrument | 2021031253 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 410 WATEROAK ST, ST AUGUSTINE, FL 32086-7633 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 410 WATEROAK ST, SAINT AUGUSTINE, FL 32086-7633 |
| Document Number | 0043480315 |
| Book / Page | 004348 / 000315 |
| Instrument Date | Mar 16, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Apr 5, 2017 |
| Name | Verified Name |
|---|---|
| Address | 410 WATEROAK ST ST AUGUSTINE FL 320867633, ST AUGUSTINE, FL 32086-7633 |
| Document Number | 0043480315 |
|---|---|
| Date | Mar 23, 2017 |
| Book Page | 004348/000315 |
| Instrument | 20210 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32232-5085 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Mar 22, 2027 |
| Rate Type | Adjustable Rate |
|---|
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 | $168,225 (+2.7%) | $381,549 (+6.15%) Land $87,650 Building $293,899 | |
| 2025 | $1,951.00 (+15.31%) Homeowner's exemption Disabled Person's exemption | $163,802 (+2.9%) | $359,444 (-2.87%) Land $87,650 Building $271,794 |
| 2024 | $1,692.00 (+2.42%) Homeowner's exemption Disabled Person's exemption | $159,186 (+3%) | $370,078 (+3.9%) Land $87,650 Building $282,428 |
| 2023 | $1,652.00 (+0.3%) Homeowner's exemption Disabled Person's exemption | $154,550 (+3%) | $356,198 (-3.29%) Land $87,650 Building $268,548 |
| 2022 | $1,647.00 Homeowner's exemption Disabled Person's exemption | $150,049 | $368,304 Land $96,320 Building $271,984 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 102 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 102 in force |
| Nearby Flood Claims | 1 (2011) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Aug 2011 · rainfall accumulation |
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 | Moderate above 65% of the US · above 42% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% 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-CR214 MAINLAND WTP serves 66,953 people · EPA ID FL2554447 |
|---|---|
| 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, 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 35 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
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