St. Johns County property record for 45 Oak Cluster Ln, Saint Augustine, FL 32092 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 5 Beds |
| Bathrooms | 5.5 Baths |
| Year Built | Built 2023 |
| Square Footage | 3,724 sqft Living Area |
| Lot Size | 10,890 sqft (0.25 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $248,000 (2022) |
| Tax Bill | $12,831.00 (2025) |
| Primary APN | 029011-8440 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 5.5 Baths |
| Partial Baths | 1 Partial Baths |
| Plumbing Fixtures | 21 Plumbing Fixtures |
| Building Area | 3,724 sqft Living Area |
| Gross Area | 4,596 sqft Gross Area |
| 1st Floor | 2,317 sqft 1st Floor |
| Stories | 2 Stories |
| Primary Flooring | Carpet Flooring |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Concrete Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 10,890 sqft (0.25 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 617 sqft Garage |
| Porch Area | 255 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Street Address | 45 OAK CLUSTER LN |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-0114 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 107/24-37 WHISPER CREEK PHASE 6 LOT 844 OR5766/1098 |
| Legal Range | 28 |
| Legal Township | 06 |
| Legal Section | 38 |
| Legal Subdivision | WHISPER CREEK PHASE 6 |
| Legal Phase | 6 |
| Legal Block | 1 |
| Legal Lot Number | 844 |
| Jurisdiction | ST JOHNS FL |
| Minor Civil Division | ST. AUGUSTINE |
| Census Blockgroup | 2 |
| Census Block | 2005 |
| Census Tract | 20905 |
Source: St. Johns County records · APN 029011-8440
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 | Company Name on File |
|---|---|
| Mailing Address | 9452 PHILIPS HWY, 4, JACKSONVILLE, FL 32256-1332 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is a Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Jun 01, 2023 | Deed of Trust, Mortgage · Conventional Mortgage FIRST EQUITY MORTGAGE INC |
| Nov 01, 2022 | Special Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 01, 2022 · Amount on Record |
| Deed Sale | Nov 01, 2022 · Amount on Record |
| Deed Doc Number | 2022101153 |
| Deed Book / Page | 5658 / 129 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 45 OAK CLUSTER LN, SAINT AUGUSTINE, FL 32092-0114 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2024 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 871 SUMNER WAY, ERIE, CO 80516-6866 |
| Document Number | 0057661104 |
|---|---|
| Date | Jun 01, 2023 |
| Book Page | 5766/1104 |
| Instrument | 2023041701 |
| Name | FIRST EQUITY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | FT MITCHELL, KY 41017 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2053 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Nov 01, 2022 |
| Property Address | 45 OAK CLUSTER LN, SAINT AUGUSTINE, FL 32092-0114 |
| Document Number | 0056580129 |
| Book / Page | 5658 / 129 |
| Map Reference | MB 107 PG 24-37 |
| Instrument Date | Nov 01, 2022 |
| Instrument | 2022101153 |
| Transaction Type | Transfer |
| Record Updated | Feb 12, 2024 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,736.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7807 BAYMEADOWS RD E # E205, E205, JACKSONVILLE, FL 32256-9664 |
| Name | Verified Name |
|---|---|
| Address | 9452 PHILIPS HWY STE 4, 4, JACKSONVILLE, FL 32256-1332 |
| Investor | Possibly a Property Investor |
Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
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 | $681,360 (-2.57%) Land $160,000 Building $521,360 | $681,360 (-2.57%) Land $160,000 Building $521,360 | |
| 2025 | $12,831.00 (+5.36%) Homeowner's exemption | $699,297 (-0.55%) | $699,297 (-0.55%) Land $155,000 Building $544,297 |
| 2024 | $12,178.00 (+137.71%) Homeowner's exemption | $703,171 (+596.21%) | $703,171 (+596.21%) Land $130,000 Building $573,171 |
| 2023 | $5,123.00 (-3.47%) | $101,000 (-24.85%) | $101,000 (-24.85%) Land $101,000 |
| 2022 | $5,307.00 | $134,400 | $134,400 Land $134,400 |
Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Moderate above 49% of the US · above 19% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 1,136 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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