St. Johns County property record for 45 Fern Lake Ct, Saint Augustine, FL 32095
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,353 sqft · built 2016 |
| Lot Size | 0.38 acres (16,552 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $297,900 (Jul 2016) |
| Tax Bill | $3,182 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 026484-0210 |
| Primary APN | 026484-0210 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,353 sqft Living Area |
| Gross Area | 3,047 sqft |
| 1st Floor Area | 2,009 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 16,552 sqft (0.38 acres) |
| Garage Type | Attached |
| Garage Area | 442 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 252 sqft |
| Patio Area | 380 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 45 FERN LAKE CT |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32095-8968 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 74/86-98 SANDY CREEK PHASES 2A AND 2B LOT 21 OR4222/199 |
| Legal Range | 28E |
| Legal Township | 05S |
| Legal Section | 21 |
| Legal Subdivision | SANDY CREEK PHASES 2A AND 2B |
| Legal Block | 1 |
| Legal Lot Number | 21 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2050 |
| Census Tract | 20904 |
45 Fern Lake Ct is owned and occupied by two individuals who bought it in July 2016.
Source: St. Johns County records, as of April 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 45 FERN LAKE CT, SAINT AUGUSTINE, FL 32095-8968 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 12, 2016 · Amount on File |
| Deed Sale | Jul 12, 2016 · Amount on File |
| Deed Document Number | 201644407 |
| Deed Book / Page | 4222 / 199 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 45 Fern Lake Ct was $3,182 with a homeowner's exemption, up 13.3% from the year before.
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 | $257,017 (+2.7%) | $403,481 (-7.21%) Land $100,000 Building $303,481 | |
| 2025 | $3,182.00 (+13.28%) Homeowner's exemption | $250,260 (+2.9%) | $434,855 (+2.49%) Land $100,000 Building $334,855 |
| 2024 | $2,809.00 (+2.11%) Homeowner's exemption | $243,207 (+3%) | $424,282 (-0.78%) Land $100,000 Building $324,282 |
| 2023 | $2,751.00 (+3.15%) Homeowner's exemption | $236,123 (+3%) | $427,625 (+5.31%) Land $100,000 Building $327,625 |
| 2022 | $2,667.00 Homeowner's exemption | $229,246 | $406,076 Land $89,600 Building $316,476 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Fern Lake Ct 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 A, 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 risk around 45 Fern Lake Ct is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 57% of the US · lower than 70% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% 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.
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 |
| Lead | 1 ppb (2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 75 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Fiber | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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