St. Johns County property record for 478 Willow Lake Dr, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,145 sqft · built 2019 |
| Lot Size | 0.23 acres (10,018 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $343,541 (Aug 2019) |
| Tax Bill | $2,376 (2025) |
| Deeds & Mortgages | Oct 2024 Mortgage Mar 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 028991-1910 |
| Primary APN | 028991-1910 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,145 sqft Living Area |
| Gross Area | 2,775 sqft |
| 1st Floor Area | 1,935 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,018 sqft (0.23 acres) |
| Garage Type | Attached |
| Garage Area | 630 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
| Porch Area | 210 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 478 WILLOW LAKE DR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-9346 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 93/36-44 GRAN LAKE PHASE 2 LOT 191 OR4772/86 |
| Legal Range | 28E |
| Legal Township | 07S |
| Legal Section | 41 |
| Legal Subdivision | GRAN LAKE PHASE 2 |
| Legal Phase | 2 |
| Legal Block | 1 |
| Legal Lot Number | 191 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 20906 |
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 | 478 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9346 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 1, 2024 | Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE LINK |
| Mar 25, 2020 | Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 5, 2019 · Amount on Record |
| Deed Sale | Aug 5, 2019 · Amount on Record |
| Prior Sale | Nov 14, 2018 · Amount on Record |
| Deed Document Number | 201956784 |
| Deed Book / Page | 4772 / 86 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 478 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9346 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 478 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9346 |
| Investor | Possibly a Property Investor |
| Document Number | 0060290859 |
|---|---|
| Date | Oct 1, 2024 |
| Book Page | 6029/859 |
| Instrument | 2024077143 |
| Name | MORTGAGE LINK |
|---|---|
| Type | Mortgage Company |
| Address | LEONARDTOWN, MD 20650 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 478 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9346 |
| Document Number | 0049201307 |
| Instrument Date | Mar 25, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 478 WILLOW LAKE DR ST AUGUSTINE FL 320929346, ST AUGUSTINE, FL 32092-9346 |
| Document Number | 0049201307 |
|---|---|
| Date | Apr 13, 2020 |
| Book Page | 004920/001307 |
| Instrument | 28396 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32210 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Apr 12, 2030 |
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 | $195,524 (+2.7%) | $416,581 (+1.1%) Land $125,000 Building $291,581 | |
| 2025 | $2,376.00 (+14.29%) Homeowner's exemption | $190,384 (+2.9%) | $412,031 (-2.38%) Land $115,000 Building $297,031 |
| 2024 | $2,079.00 (+2.21%) Homeowner's exemption | $185,018 (+3%) | $422,057 (+4.06%) Land $110,000 Building $312,057 |
| 2023 | $2,034.00 (+3.51%) Homeowner's exemption | $179,629 (+3%) | $405,588 (+16.13%) Land $106,000 Building $299,588 |
| 2022 | $1,965.00 Homeowner's exemption | $174,397 | $349,248 Land $84,000 Building $265,248 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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.
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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