St. Johns County property record for 424 Willow Lake Dr, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,756 sqft · built 2020 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $680,000 (Jun 2025) |
| Tax Bill | $5,622 (2025) |
| Deeds & Mortgages | Jun 2024 Line of Credit Jun 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 028991-1860 |
| Primary APN | 028991-1860 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,756 sqft Living Area |
| Gross Area | 3,631 sqft |
| 1st Floor Area | 2,756 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 13,068 sqft (0.3 acres) |
| Garage Type | Attached |
| Garage Area | 675 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 424 WILLOW LAKE DR |
|---|---|
| City | ST AUGUSTINE |
| State | FL |
| Zip | 32092-9346 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 93/36-44 GRAN LAKE PHASE 2 LOT 186 OR6166/1855 |
| Legal Range | 28E |
| Legal Township | 07S |
| Legal Section | 41 |
| Legal Subdivision | GRAN LAKE PHASE 2 |
| Legal Phase | 2 |
| Legal Block | 1 |
| Legal Lot Number | 186 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 20906 |
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 | 424 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9346 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Jun 19, 2024 | Deed of Trust, Mortgage · Line of Credit VYSTAR CU |
| Jun 16, 2025 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Mar 31, 2020 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage JET HOMELOANS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 16, 2025 · Amount on Record |
| Deed Sale | Jun 16, 2025 · Amount on Record |
| Prior Sale | Mar 31, 2020 · Amount on Record |
| Deed Document Number | 202547091 |
| Deed Book / Page | 6166 / 1855 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 424 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9346 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 76 S LAURA ST, JACKSONVILLE, FL 32202-3433 |
| Document Number | 0059701140 |
|---|---|
| Date | Jun 19, 2024 |
| Book Page | 5970/1140 |
| Instrument | 2024047960 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Jul 1, 2034 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jun 16, 2025 |
| Property Address | 424 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9346 |
| Document Number | 0061661855 |
| Book / Page | 6166 / 1855 |
| Map Reference | MB 93 PG 36-44 |
| Instrument Date | Jun 2, 2025 |
| Instrument | 2025047091 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2025 |
| Title Company | LANDMARK TITLE, LANDMARK TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,760.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4311 SUNDAY SILENCE WAY, MURFREESBORO, TN 37128-4354 |
| Name | Verified Name |
|---|---|
| Address | 424 WILLOW LAKE DR, ST AUGUSTINE, FL 32092-9346 |
| Document Number | 0061661857 |
|---|---|
| Date | Jun 16, 2025 |
| Instrument | 6166/1857 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Mar 31, 2020 |
| Property Address | 424 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9346 |
| Document Number | 0049121702 |
| Book / Page | 4912 / 1702 |
| Map Reference | MB 93 PG 36-44 |
| Instrument Date | Mar 30, 2020 |
| Instrument | 2020025297 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 2, 2022 |
| Title Company | GOLDEN DOG TITLE & TRUST |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,255.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14701 PHILIPS HWY STE 300, 14701, JACKSONVILLE, FL 32256-3742 |
| Name | Verified Name |
|---|---|
| Address | 424 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9346 |
| Document Number | 0049121704 |
|---|---|
| Date | Mar 31, 2020 |
| Instrument | 4912/1704 |
| Name | JET HOMELOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2050 |
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 | $566,195 (+31.25%) Land $125,000 Building $441,195 | $566,195 (-4.39%) Land $125,000 Building $441,195 | |
| 2025 | $5,622.00 (+15.85%) Homeowner's exemption | $431,372 (+6.19%) | $592,183 (+2.95%) Land $115,000 Building $477,183 |
| 2024 | $4,853.00 (+1.93%) Homeowner's exemption | $406,243 (+3%) | $575,199 (+3.45%) Land $110,000 Building $465,199 |
| 2023 | $4,761.00 (+2.76%) Homeowner's exemption | $394,411 (+3%) | $556,041 (+18.09%) Land $106,000 Building $450,041 |
| 2022 | $4,633.00 Homeowner's exemption | $382,923 | $470,860 Land $84,000 Building $386,860 |
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 62 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 62 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 51% of the US · lower than 78% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% 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 82 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable · Fiber in parts of the area | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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