421 Elm Creek Dr, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 421 Elm Creek Dr, Saint Augustine, FL 32092 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,078 sqft · built 2025
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$485,000 (Jun 2025)
Tax Bill	$1,326 (2025)
Deeds & Mortgages	Jun 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`027984-0370`

Property Details

APN / Parcel Number

Primary APN	`027984-0370`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	2,078 sqft Living Area
Gross Area	2,561 sqft
1st Floor Area	2,078 sqft
Flooring	Carpet

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	177 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	421 ELM CREEK DR
City	SAINT AUGUSTINE
State	FL
Zip	32092-3548
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	109/69-80 SILVERLEAF 29B-1 LOT 37 OR6168/1607
Legal Range	28
Legal Township	06
Legal Section	38
Legal Subdivision	SILVERLEAF 29B-1
Legal Block	1
Legal Lot Number	37
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	4
Census Block	4000
Census Tract	20908

Owner

Source: St. Johns County records · APN 027984-0370

Assessment roll updated April 13, 2026 · Last verified April 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 File
Mailing Address	421 ELM CREEK DR, SAINT AUGUSTINE, FL 32092-3548
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 18, 2025 · Amount on Record
Deed Sale	Jun 18, 2025 · Amount on Record
Deed Document Number	202548106
Deed Book / Page	6168 / 1607
Record Updated	Jun 08, 2026

June 2025: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jun 18, 2025
Property Address	421 ELM CREEK DR, SAINT AUGUSTINE, FL 32092-3548
Document Number	0061681607
Book / Page	6168 / 1607
Map Reference	MB 109 PG 69-80
Instrument Date	Jun 13, 2025
Instrument	2025048106
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 13, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,395.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10255 FORTUNE PKWY # 150, 150, JACKSONVILLE, FL 32256-6502

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 ELM CREEK DR, SAINT AUGUSTINE, FL 32092-3548

Mortgage

Document Number	0061681612
Date	Jun 18, 2025
Instrument	6168/1612

Lender

Name	HOME AMERICAN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2055

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 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

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$399,427 (+316.07%) Land $96,000 Building $303,427	$399,427 (+316.07%) Land $96,000 Building $303,427
2025	$1,326.00 (+49.83%)	$96,000 (-4%)	$96,000 (-4%) Land $96,000
2024	$885.00 (+55.81%)	$100,000 (+123.21%)	$100,000 (+123.21%) Land $100,000
2023	$568.00 (-0.87%)	$44,800 (-)	$44,800 (-) Land $44,800
2022	$573.00	$44,800	$44,800 Land $44,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090209084, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 110 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	110 in force 48 of 110 on primary residences

Wildfire

Wildfire Risk	Moderate above 66% of the US · above 44% of Florida
Wildfire Likelihood	About 1 in 375 per year
Exposure	Direct burnable vegetation at the parcel

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.