St. Johns County property record for 46 Otsego Ln, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,874 sqft · built 2025 |
| Lot Size | 0.16 acres (6,969 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $423,500 (Nov 2025) |
| Tax Bill | $1,212 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 026941-3430 |
| Primary APN | 026941-3430 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,874 sqft Living Area |
| Gross Area | 2,398 sqft |
| 1st Floor Area | 1,874 sqft |
| Flooring | Carpet |
| Year Built | Built 2025 |
|---|---|
| Effective Year Built | Effective 2025 |
| Exterior Material | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,969 sqft (0.16 acres) |
| Garage Type | Attached |
| Garage Area | 399 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Finished Screened Porch |
| Porch Area | 48 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 46 OTSEGO LN |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-1321 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 128/5-12 SILVER FALLS (SILVERLEAF PARCEL 22A) PHASE 1A REPLAT LOT 343 OR6261/1532 |
| Legal Subdivision | SILVER FALLS (SILVERLEAF PARCEL 22A) PHA |
| Legal Block | 1 |
| Legal Lot Number | 343 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 4 |
| Census Block | 4006 |
| Census Tract | 20908 |
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 | 46 OTSEGO LN, SAINT AUGUSTINE, FL 32092-1321 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 24, 2025 · Amount on Record |
| Deed Sale | Nov 24, 2025 · Amount on Record |
| Deed Document Number | 202595603 |
| Deed Book / Page | 6261 / 1532 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 46 OTSEGO LN, SAINT AUGUSTINE, FL 32092-1321 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2026 |
| Name | Verified Name |
|---|---|
| Address | 11358 TROTTING HORSE LN S, JACKSONVILLE, FL 32225-3872 |
| Document Number | 0062611536 |
|---|---|
| Date | Nov 24, 2025 |
| Book Page | 6261/1536 |
| Instrument | 2025095604 |
| Name | LENNAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | MIAMI, FL 33126 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2055 |
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 | $310,561 (+245.07%) | $339,477 (+277.2%) Land $100,000 Building $239,477 | |
| 2025 | $1,212.00 (+38.2%) | $90,000 (+28.57%) | $90,000 (+28.57%) Land $90,000 |
| 2024 | $877.00 | $70,000 | $70,000 Land $70,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 110 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 110 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 65% of the US · above 42% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% 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.
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