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

St. Johns County property record for 413 Sweet Oak Way, Saint Augustine, FL 32095

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,270 sqft · built 2018
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on File
Last Sale	$317,200 (Nov 2018)
Tax Bill	$4,842 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Sep 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`023713-0510`

Property Details

APN / Parcel Number

Primary APN	`023713-0510`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	2,270 sqft Living Area
Gross Area	2,770 sqft
1st Floor Area	822 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	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	130 sqft
Patio Area	110 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	413 SWEET OAK WAY
City	SAINT 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 51 OR4645/783
Legal Range	28E
Legal Township	05S
Legal Section	11
Legal Subdivision	CREEKSIDE AT TWIN CREEKS PHASE 1B
Legal Phase	1B
Legal Lot Number	51
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2032
Census Tract	20904

Owner

413 Sweet Oak Way is owned and occupied by two individuals who bought it in November 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	413 SWEET OAK WAY, SAINT AUGUSTINE, FL 32095-9000
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
Feb 9, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Sep 8, 2021	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Dec 28, 2023	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Aug 1, 2019	Deed of Trust, Mortgage · VA Mortgage MR COOPER
Nov 27, 2018	Special Warranty Deed, Subdivision Related Transfer · VA Mortgage EAGLE HOME MORTGAGE LLC
Apr 13, 2018	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 27, 2018 · Amount on File
Deed Sale	Nov 27, 2018 · Amount on File
Prior Sale	Apr 13, 2018 · Amount on File
Deed Document Number	201884477
Deed Book / Page	4645 / 783
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	413 SWEET OAK WAY, SAINT AUGUSTINE, FL 32095-9000
Transaction Type	Mortgage
Record Updated	Oct 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051751095
Date	Feb 9, 2021
Book Page	5175/1095
Instrument	2021014874

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	346 Months
Due	Dec 1, 2049

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	413 SWEET OAK WAY, SAINT AUGUSTINE, FL 32095-9000
Transaction Type	Mortgage
Record Updated	Oct 23, 2025
Title Company	TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 SWEET OAK WAY, SAINT AUGUSTINE, FL 32095-9000

Mortgage

Document Number	0053630298
Date	Sep 8, 2021
Book Page	5363/298
Instrument	2021098656

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	413 SWEET OAK WAY, SAINT AUGUSTINE, FL 32095-9000
Transaction Type	Mortgage
Record Updated	Oct 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 SWEET OAK WAY, SAINT AUGUSTINE, FL 32095-9000

Mortgage

Document Number	0058770931
Date	Dec 28, 2023
Book Page	5877/931
Instrument	2023099969

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2054

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	413 SWEET OAK WAY, SAINT AUGUSTINE, FL 32095-9000
Document Number	0047740100
Instrument Date	Aug 1, 2019
Transaction Type	Mortgage
Record Updated	Sep 24, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 SWEET OAK WAY ST AUGUSTINE FL 320959000, ST AUGUSTINE, FL 32095-9000

Mortgage

Document Number	0047740100
Date	Aug 7, 2019
Book Page	004774/000100
Instrument	57814

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 6, 2049

November 2018: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Nov 27, 2018
Property Address	413 SWEET OAK WAY, SAINT AUGUSTINE, FL 32095-9000
Document Number	0046450783
Book / Page	4645 / 0783
Map Reference	MB82 PG79
Instrument Date	Nov 26, 2018
Instrument	2018084477
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 2, 2022
Title Company	NORTH AMERICAN TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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	413 SWEET OAK WAY, SAINT AUGUSTINE, FL 32095-9000

Mortgage

Document Number	2018084478
Date	Nov 27, 2018
Instrument	2018084478

Lender

Name	EAGLE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST JOHNS FL
Recording Date	Apr 13, 2018
Property Address	413 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 on Record
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

The 2025 property tax bill for 413 Sweet Oak Way was $4,842 with exemptions applied, up 9.1% 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		$283,100 (+2.7%)	$371,146 (-2.57%) Land $90,000 Building $281,146
2025	$4,842.00 (+9.05%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$275,657 (+2.9%)	$380,917 (-3.43%) Land $95,000 Building $285,917
2024	$4,440.00 (+0.66%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$267,888 (+3%)	$394,458 (+16.25%) Land $95,000 Building $299,458
2023	$4,411.00 (+2.11%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$260,085 (+3%)	$339,320 (+2.59%) Land $95,000 Building $244,320
2022	$4,320.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$252,510	$330,738 Land $84,000 Building $246,738

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

Flood

FEMA maps place 413 Sweet Oak Way 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 AE, 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 413 Sweet Oak Way is moderate, ranking above 46% 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 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.

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