461 Elm Creek Dr, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 461 Elm Creek Dr, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,078 sqft · built 2024
Lot Size	0.16 acres (6,969 sqft)
Owner	Individual Name on File
Last Sale	$488,000 (Sep 2024)
Tax Bill	$4,301 (2025)
Deeds & Mortgages	Sep 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`027984-0400`

Property Details

APN / Parcel Number

Primary APN	`027984-0400`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	2,078 sqft Living Area
Gross Area	2,561 sqft
1st Floor Area	2,078 sqft
Flooring	Carpet

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,969 sqft (0.16 acres)
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	461 ELM CREEK DR
City	SAINT AUGUSTINE
State	FL
Zip	32092-3548
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	109/69-80 SILVERLEAF 29B-1 LOT 40 OR6014/570
Legal Range	28
Legal Township	06
Legal Section	38
Legal Subdivision	SILVERLEAF 29B-1
Legal Block	1
Legal Lot Number	40
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	4
Census Block	4000
Census Tract	20908

Owner

461 Elm Creek Dr is owned and occupied by an individual who bought it in September 2024.

Source: St. Johns County records, as of April 13, 2026

Owner of Record	Individual Name on File
Mailing Address	461 ELM CREEK DR, SAINT AUGUSTINE, FL 32092-3548
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 3, 2024 · Amount on File
Deed Sale	Sep 3, 2024 · Amount on File
Deed Document Number	202469693
Deed Book / Page	6014 / 570
Record Updated	Jun 8, 2026

September 2024: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Sep 3, 2024
Property Address	461 ELM CREEK DR, SAINT AUGUSTINE, FL 32092-3548
Document Number	0060140570
Book / Page	6014 / 570
Map Reference	MB 109 PG 69-80
Instrument Date	Aug 29, 2024
Instrument	2024069693
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 23, 2025
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,416.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10255 FORTUNE PKWY # 150, 150, JACKSONVILLE, FL 32256-6502

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	461 ELM CREEK DR, SAINT AUGUSTINE, FL 32092-3548

Mortgage

Document Number	2024070694
Date	Sep 3, 2024
Instrument	2024070694

Lender

Name	HOME AMERICAN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2054

Tax Assessment & Valuation

The 2025 property tax bill for 461 Elm Creek Dr was $4,301, up 386% from the year before.

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		$342,311 (+2.7%)	$395,522 (-1.87%) Land $96,000 Building $299,522
2025	$4,301.00 (+385.99%) Homeowner's exemption	$333,312 (+233.31%)	$403,057 (+303.06%) Land $96,000 Building $307,057
2024	$885.00 (+55.81%)	$100,000 (+123.21%)	$100,000 (+123.21%) Land $100,000
2023	$568.00 (-0.87%)	$44,800 (-)	$44,800 (-) Land $44,800
2022	$573.00	$44,800	$44,800 Land $44,800

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 461 Elm Creek Dr in Zone X, an area of minimal flood risk.

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 File 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.

Wildfire

Wildfire risk around 461 Elm Creek Dr is moderate, ranking above 66% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	Moderate above 66% of the US · above 43% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

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-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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 189 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
T-Mobile Fixed Wireless	100 / 20