St. Johns County property record for 48 Oak Cluster Ln, Saint Augustine, FL 32092 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2025 |
| Square Footage | 3,464 sqft Living Area |
| Lot Size | 11,761 sqft (0.27 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $793,645 (2025) |
| Tax Bill | $5,935.00 (2025) |
| Primary APN | 029011-8530 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Building Area | 3,464 sqft Living Area |
| Gross Area | 4,176 sqft Gross Area |
| 1st Floor | 3,464 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Year Built | Built 2025 |
|---|---|
| Effective Year Built | Effective 2025 |
| Exterior Material | Concrete Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 11,761 sqft (0.27 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 712 sqft Garage |
| Porch Area | 533 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Street Address | 48 OAK CLUSTER LN |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-0114 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 107/24-37 WHISPER CREEK PHASE 6 LOT 853 OR6174/1940 |
| Legal Range | 28 |
| Legal Township | 06 |
| Legal Section | 38 |
| Legal Subdivision | WHISPER CREEK PHASE 6 |
| Legal Phase | 6 |
| Legal Block | 1 |
| Legal Lot Number | 853 |
| Jurisdiction | ST JOHNS FL |
| Minor Civil Division | ST. AUGUSTINE |
| Census Blockgroup | 2 |
| Census Block | 2005 |
| Census Tract | 20905 |
Source: St. Johns County records · APN 029011-8530
Assessment roll updated April 13, 2026 · Last verified April 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 File |
|---|---|
| Mailing Address | 48 OAK CLUSTER LN, SAINT AUGUSTINE, FL 32092-0114 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 27, 2025 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FIRST COAST MORTGAGE FUNDING LLC |
| Feb 13, 2023 | Special Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 27, 2025 · Amount on Record |
| Deed Sale | Jun 27, 2025 · Amount on Record |
| Prior Sale | Jul 05, 2023 · Amount on Record |
| Deed Doc Number | 202551168 |
| Deed Book / Page | 6174 / 1940 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jun 27, 2025 |
| Property Address | 48 OAK CLUSTER LN, SAINT AUGUSTINE, FL 32092-0114 |
| Document Number | 0061741940 |
| Book / Page | 6174 / 1940 |
| Map Reference | MB 107 PG 24 |
| Instrument Date | Jun 24, 2025 |
| Instrument | 2025051168 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 13, 2026 |
| Title Company | FIRST AMERICAN TITLE INSURANCE COMPANY MT, FIRST AMER TITLE INS COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,555.90 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9452 PHILIPS HWY STE 4, 4, JACKSONVILLE, FL 32256-1332 |
| Name | Verified Name |
|---|---|
| Address | 48 OAK CLUSTER LN, SAINT AUGUSTINE, FL 32092-0114 |
| Document Number | 0061741942 |
|---|---|
| Date | Jun 27, 2025 |
| Instrument | 6174/1942 |
| Name | FIRST COAST MORTGAGE FUNDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2055 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Feb 13, 2023 |
| Property Address | 48 OAK CLUSTER LN, SAINT AUGUSTINE, FL 32092-0114 |
| Document Number | 0057080903 |
| Book / Page | 5708 / 903 |
| Map Reference | MB 107 PG 24-37 |
| Instrument Date | Feb 13, 2023 |
| Instrument | 2023011226 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,472.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7807 BAYMEADOWS RD E # E205, E205, JACKSONVILLE, FL 32256-9664 |
| Name | Verified Name |
|---|---|
| Address | 200 BUSINESS PARK CIR STE 105, 105, ST AUGUSTINE, FL 32095-8824 |
| Investor | Possibly a Property Investor |
Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $676,805 (+336.65%) Land $160,000 Building $516,805 | $676,805 (+336.65%) Land $160,000 Building $516,805 | |
| 2025 | $5,935.00 (+13.48%) | $155,000 (+19.23%) | $155,000 (+19.23%) Land $155,000 |
| 2024 | $5,230.00 (+7.41%) | $130,000 (+28.71%) | $130,000 (+28.71%) Land $130,000 |
| 2023 | $4,869.00 (-8.25%) | $101,000 (-24.85%) | $101,000 (-24.85%) Land $101,000 |
| 2022 | $5,307.00 | $134,400 | $134,400 Land $134,400 |
Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Low above 38% of the US · above 12% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 1,266 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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