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421 Willow Lake Dr, Saint Augustine, FL 32092 Property Records

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

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,756 sqft · built 2020
Lot Size0.26 acres (11,325 sqft)
Owner2 Individual Names on File
Last Sale$363,608 (Sep 2020)
Tax Bill$3,872 (2025)
Deeds & MortgagesMar 2022 Line of Credit
Nov 2022 Line of Credit
+ 2 more
Flood ZoneZone X (minimal risk)
APN028991-2690

Property Details

APN / Parcel Number

Primary APN028991-2690

Interior

Bedrooms4 Beds
Full Baths3 Baths
Plumbing Fixtures13 Plumbing Fixtures
Stories1 Story
Building Area2,756 sqft Living Area
Gross Area3,431 sqft
1st Floor Area2,756 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2020
Exterior MaterialConcrete
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area11,325 sqft (0.26 acres)
Garage TypeAttached
Garage Area675 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Open Porch
Porch Area200 sqft
Patio Area247 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address421 WILLOW LAKE DR
CitySAINT AUGUSTINE
StateFL
Zip32092-9347
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description93/36-44 GRAN LAKE PHASE 2 LOT 269 OR5037/1836
Legal Range28E
Legal Township07S
Legal Section41
Legal SubdivisionGRAN LAKE PHASE 2
Legal Phase2
Legal Block1
Legal Lot Number269
JurisdictionST JOHNS FL
Township / Civil DivisionST. AUGUSTINE
Census Block Group1
Census Block1002
Census Tract20906

Owner

Source: St. Johns County records · APN 028991-2690

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 Record2 Individual Names on File
Mailing Address421 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9347
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 21, 2022Deed of Trust, Mortgage · Line of Credit
VYSTAR CU
Nov 14, 2022Deed of Trust, Mortgage · Line of Credit
VYSTAR CU
Sep 09, 2020Warranty Deed, Subdivision Related Transfer · FHA Mortgage
JET HOMELOANS LLC
Apr 15, 2020Grant Deed, Transfer
DF TITLE LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 09, 2020 · Amount on Record
Deed SaleSep 09, 2020 · Amount on Record
Deed Document Number202076627
Deed Book / Page5037 / 1836
Record UpdatedJun 08, 2026

March 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address421 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9347
Transaction TypeMortgage
Record UpdatedOct 23, 2025
Title CompanyE-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address421 WILLOW LAKE DR, ST AUGUSTINE, FL 32092-9347

Mortgage

Document Number0055200028
DateMar 21, 2022
Book Page5520/28
Instrument2022029789
Lender
NameVYSTAR CU
TypeCredit Union
AddressJACKSONVILLE, FL 32202
Agreement
TypeLine of Credit
AmountAmount Recorded
Term121 Months
DueApr 01, 2032
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

November 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address421 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9347
Transaction TypeMortgage
Record UpdatedOct 23, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address421 WILLOW LAKE DR, ST AUGUSTINE, FL 32092-9347

Mortgage

Document Number0056640532
DateNov 14, 2022
Book Page5664/532
Instrument2022104532
Lender
NameVYSTAR CU
TypeCredit Union
AddressJACKSONVILLE, FL 32202
Agreement
TypeLine of Credit
AmountAmount Recorded
Term120 Months
DueNov 01, 2032
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

September 2020: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateSep 09, 2020
Property Address421 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9347
Document Number0050371836
Book / Page5037 / 1836
Map ReferenceMB 93 PG 36-44
Instrument DateAug 28, 2020
Instrument2020076627
Transaction TypeSubdivision Related Transfer
Record UpdatedAug 31, 2021
Title CompanyGOLDEN DOG TITLE AND TRUST

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,545.90
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address14701 PHILIPS HWY STE 300, 14701, JACKSONVILLE, FL 32256-3742

Transferred To (Grantee/Buyer)

NameVerified Name
Address421 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9347

Mortgage

Document Number50371838
DateSep 09, 2020
Instrument5037/1838
Lender
NameJET HOMELOANS LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueSep 01, 2050

April 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionST JOHNS FL
Recording DateApr 15, 2020
Property Address421 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9347
Document Number0049230078
Book / Page004923 / 000078
Instrument DateApr 15, 2020
Instrument29223
Transaction TypeTransfer
Record UpdatedJun 25, 2020
Title CompanyDF TITLE LLC

Transaction

AmountAmount Recorded
Tax$15,693.00
Amount AccuracyConfirmed
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address14701 PHILIPS HWY #300 JACKSONVILLE FL 322563742, 300, JACKSONVILLE, FL 32256-3742
InvestorPossibly a Property Investor

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountySt. Johns County
Unified School DistrictSt. Johns County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$309,612 (+2.7%)$502,660 (-0.55%) Land $125,000 Building $377,660
2025$3,872.00 (+12.79%) Homeowner's exemption$301,472 (+2.9%)$505,427 (-2.12%) Land $115,000 Building $390,427
2024$3,433.00 (+4.06%) Homeowner's exemption$292,976 (+4.92%)$516,386 (+4.95%) Land $110,000 Building $406,386
2023$3,299.00 (+3.03%) Homeowner's exemption$279,249 (+3%)$492,030 (+15.55%) Land $106,000 Building $386,030
2022$3,202.00 Homeowner's exemption$271,116$425,810 Land $84,000 Building $341,810

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 121090209061, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 62 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies62 in force

Wildfire

Wildfire RiskModerate
above 52% of the US · above 22% of Florida
Wildfire LikelihoodAbout 1 in 962 per year
ExposureDirect
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 82 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable2,000 / 250
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20
AT&TDSL100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: Xfinity, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

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