45 White Owl Ln, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 45 White Owl Ln, Saint Augustine, FL 32095

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,033 sqft · built 2020
Lot Size	0.13 acres (5,662 sqft)
Owner	2 Individual Names on Record
Last Sale	$323,990 (Dec 2020)
Tax Bill	$8,141 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`027031-0390`

Property Details

APN / Parcel Number

Primary APN	`027031-0390`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	2,033 sqft Living Area
Gross Area	2,661 sqft
1st Floor Area	2,033 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

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	5,662 sqft (0.13 acres)
Garage Type	Attached
Garage Area	421 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	207 sqft
Patio Area	279 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	45 WHITE OWL LN
City	SAINT AUGUSTINE
State	FL
Zip	32095-9072
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	98/73-81 PARKLAND PRESERVE PHASE 1 LOT 39 OR5134/521
Legal Range	28E
Legal Township	06S
Legal Section	11
Legal Subdivision	PARKLAND PRESERVE PHASE 1
Legal Phase	1
Legal Block	1
Legal Lot Number	39
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2044
Census Tract	20904

Owner

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	45 WHITE OWL LN, SAINT AUGUSTINE, FL 32095-9072
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 2020 · Amount on Record
Deed Sale	Dec 23, 2020 · Amount on Record
Deed Document Number	2020117984
Deed Book / Page	5134 / 521
Record Updated	Jun 8, 2026

December 2020: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Dec 23, 2020
Property Address	45 WHITE OWL LN, SAINT AUGUSTINE, FL 32095-9072
Document Number	0051340521
Book / Page	5134 / 521
Map Reference	MB 98 PG 73-81
Instrument Date	Dec 21, 2020
Instrument	2020117984
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 31, 2021
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,268.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4220 RACE TRACK RD # RD100, 4220, SAINT JOHNS, FL 32259-2084

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 WHITE OWL LN, SAINT AUGUSTINE, FL 32095-9072

Mortgage

Document Number	5134522
Date	Dec 23, 2020
Instrument	5134/522

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

Source: St. Johns County assessment roll, as of April 13, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$325,418 (+2.7%)	$374,474 (-2.52%) Land $85,000 Building $289,474
2025	$8,141.00 (+7.9%) Homeowner's exemption	$316,863 (+2.9%)	$384,142 (+3.51%) Land $80,000 Building $304,142
2024	$7,545.00 (+4.66%) Homeowner's exemption	$307,933 (+3%)	$371,099 (+7%) Land $80,000 Building $291,099
2023	$7,209.00 (+14.19%) Homeowner's exemption	$298,964 (+3%)	$346,821 (+3.55%) Land $80,000 Building $266,821
2022	$6,313.00 Homeowner's exemption	$290,256	$334,933 Land $78,400 Building $256,533

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

Flood

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 69% of the US · above 49% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SJCU-NORTHWEST UTILITIES WTP serves 48,040 people · EPA ID FL2554471
Water Source	Groundwater
Last State Inspection	Jun 2024
Also Mapped Here	SJCU-CR214 MAINLAND WTP
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 145 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20