St. Johns County property record for 469 Willow Lake Dr, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 2,950 sqft · built 2021 |
| Lot Size | 0.18 acres (7,840 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $428,470 (Feb 2021) |
| Tax Bill | $6,958 (2025) |
| Deeds & Mortgages | Aug 2023 Second Mortgage Feb 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 028991-2660 |
| Primary APN | 028991-2660 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 17 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,950 sqft Living Area |
| Gross Area | 3,590 sqft |
| 1st Floor Area | 2,569 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,840 sqft (0.18 acres) |
| Garage Type | Attached |
| Garage Area | 640 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 208 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 469 WILLOW LAKE DR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-9347 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 93/36-44 GRAN LAKE PHASE 2 LOT 266 OR5179/297 |
| Legal Range | 28E |
| Legal Township | 07S |
| Legal Section | 41 |
| Legal Subdivision | GRAN LAKE PHASE 2 |
| Legal Phase | 2 |
| Legal Block | 1 |
| Legal Lot Number | 266 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 20906 |
469 Willow Lake Dr is owned and occupied by two individuals who bought it in February 2021.
Source: St. Johns County records, as of April 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 469 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9347 |
| 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.
| Date | Document |
|---|---|
| Aug 22, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU |
| Feb 12, 2021 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage JET HOMELOANS LLC |
| Aug 21, 2020 | Loan Modification, Mortgage · Line of Credit FLAGSTAR BK |
| Aug 7, 2020 | Grant Deed, Transfer DF TITLE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 12, 2021 · Amount on File |
| Deed Sale | Feb 12, 2021 · Amount on File |
| Deed Document Number | 202116430 |
| Deed Book / Page | 5179 / 297 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 469 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9347 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 469 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9347 |
| Investor | Possibly a Property Investor |
| Document Number | 0058130001 |
|---|---|
| Date | Aug 22, 2023 |
| Book Page | 5813/1 |
| Instrument | 2023066335 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Sep 1, 2043 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Feb 12, 2021 |
| Property Address | 469 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9347 |
| Document Number | 0051790297 |
| Book / Page | 5179 / 297 |
| Map Reference | MB 93 PG 36-44 |
| Instrument Date | Feb 12, 2021 |
| Instrument | 2021016430 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Oct 23, 2025 |
| Title Company | GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TRUST |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,999.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14701 PHILIPS HWY STE 300, 300, JACKSONVILLE, FL 32256-3742 |
| Name | Verified Name |
|---|---|
| Address | 469 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9347 |
| Investor | Possibly a Property Investor |
| Document Number | 0005179299 |
|---|---|
| Date | Feb 12, 2021 |
| Instrument | 5179/299 |
| Name | JET HOMELOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 469 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9347 |
| Document Number | 0050251898 |
| Instrument Date | Aug 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 14701 PHILIPS HWY #300 JACKSONVILLE FL 322563742, 300, JACKSONVILLE, FL 32256-3742 |
| Document Number | 0050251898 |
|---|---|
| Date | Aug 26, 2020 |
| Book Page | 005025/001898 |
| Instrument | 71820 |
| Name | FLAGSTAR BK |
|---|---|
| Type | Bank |
| Address | 5151 CORPORATE DR, TROY, MI 48098-2639 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Aug 7, 2020 |
| Property Address | 469 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9347 |
| Document Number | 0050111327 |
| Book / Page | 005011 / 001327 |
| Instrument Date | Aug 7, 2020 |
| Instrument | 65773 |
| Transaction Type | Transfer |
| Record Updated | Sep 3, 2020 |
| Title Company | DF TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $8,133.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 14701 PHILIPS HWY #300 JACKSONVILLE FL 322563742, 300, JACKSONVILLE, FL 32256-3742 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 469 Willow Lake Dr was $6,958 with a homeowner's exemption, up 33% 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 | $544,945 (+2.7%) | $598,461 (-1.46%) Land $125,000 Building $473,461 | |
| 2025 | $6,958.00 (+33.01%) Homeowner's exemption | $530,618 (+21.59%) | $607,318 (+12.86%) Land $115,000 Building $492,318 |
| 2024 | $5,231.00 (+1.93%) Homeowner's exemption | $436,388 (+3%) | $538,137 (+4.08%) Land $110,000 Building $428,137 |
| 2023 | $5,132.00 (+2.7%) Homeowner's exemption | $423,678 (+3%) | $517,022 (+15.43%) Land $106,000 Building $411,022 |
| 2022 | $4,997.00 Homeowner's exemption | $411,338 | $447,916 Land $84,000 Building $363,916 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 469 Willow Lake 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 62 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 62 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 469 Willow Lake Dr is moderate, ranking above 51% 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 51% of the US · lower than 78% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% 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.
Source: FCC Broadband Data Collection, based on 82 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable · Fiber in parts of the area | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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