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491 Split Oak Rd, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 491 Split Oak Rd, Saint Augustine, FL 32092 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms3 Baths
Year BuiltBuilt 2019
Square Footage2,369 sqft Living Area
Lot Size12,632 sqft (0.29 acres)
OccupancyOwner Occupied
Last Sale$710,000 (2025)
Tax Bill$6,036.00 (2025)

Property Details

APN / Parcel Number

Primary APN029011-1460

Interior

Bedrooms4 Beds
Full Baths3 Baths
Plumbing Fixtures10 Plumbing Fixtures
Building Area2,369 sqft Living Area
Gross Area3,084 sqft Gross Area
1st Floor2,369 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2019
Effective Year BuiltEffective 2019
Exterior MaterialConcrete Exterior
Construction TypeWood Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area12,632 sqft (0.29 acres)
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area580 sqft Garage
Patio Area60 sqft Patio
Porch Area135 sqft Porch

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemForced Air with Air Conditioning Heating

Location & Zoning

Street Address491 SPLIT OAK RD
CitySAINT AUGUSTINE
StateFL
Zip32092-5448
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal Description79/83-84 WHISPER CREEK PHASE 2 UNIT A LOT 146 OR6187/1740 (T/R)
Legal Range28E
Legal Township06S
Legal Section38
Legal SubdivisionWHISPER CREEK PHASE 2 UNIT A
Legal Phase2
Legal Block1
Legal Lot Number146
Legal UnitA
JurisdictionST JOHNS FL
Minor Civil DivisionST. AUGUSTINE
Census Blockgroup2
Census Block2005
Census Tract20905

Owner

Source: St. Johns County records · APN 029011-1460

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 Record2 Company Names on File
Mailing Address491 SPLIT OAK RD, SAINT AUGUSTINE, FL 32092-5448
OccupancyOwner Occupied
Owner TypeOwner is a Company
VestingOwner is a Trust, Revocable Trust

Deeds, Mortgages & Sale History

DateDocument
Dec 23, 2025Deed of Trust, Mortgage · Conventional Mortgage
PENNYMAC LOAN SERVICES LLC
May 18, 2023Deed of Trust, Mortgage · Veterans Administration Mortgage
ROCKET MORTGAGE LLC
Feb 09, 2021Deed of Trust, Mortgage · Veterans Administration Mortgage
FREEDOM MORTGAGE CORP
Nov 17, 2021Deed of Trust, Mortgage · Veterans Administration Mortgage
FREEDOM MORTGAGE CORP
Feb 14, 2020Deed of Trust, Mortgage · Veterans Administration Mortgage
ROUNDPOINT MORTGAGE SERVICING CORP
Feb 21, 2019Special Warranty Deed, Subdivision Related Transfer · Veterans Administration Mortgage
DHI MORTGAGE COMPANY LTD
Jun 22, 2018Grant Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 21, 2025 · Amount on Record
Deed SaleJul 21, 2025 · Amount on Record
Prior SaleFeb 21, 2019 · Amount on Record
Deed Doc Number202557930
Deed Book / Page6187 / 1740
Record RefreshedJun 08, 2026

December 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address491 SPLIT OAK RD, SAINT AUGUSTINE, FL 32092-5448
Transaction TypeMortgage
Record UpdatedJan 13, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address491 SPLIT OAK RD, ST AUGUSTINE, FL 32092-5448

Mortgage

Document Number0062781353
DateDec 23, 2025
Book Page6278/1353
Instrument2025103929
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressWESTLAKE VILLAGE, CA 91361
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 01, 2056

May 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address491 SPLIT OAK RD, SAINT AUGUSTINE, FL 32092-5448
Transaction TypeMortgage
Record UpdatedJun 05, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address491 SPLIT OAK RD, SAINT AUGUSTINE, FL 32092-5448

Mortgage

Document Number0057591108
DateMay 18, 2023
Book Page5759/1108
Instrument2023038083
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2053

February 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address491 SPLIT OAK RD, SAINT AUGUSTINE, FL 32092-5448
Transaction TypeMortgage
Record UpdatedMay 23, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0051751379
DateFeb 09, 2021
Book Page5175/1379
Instrument2021014935
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2051

November 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address491 SPLIT OAK RD, SAINT AUGUSTINE, FL 32092-5448
Transaction TypeMortgage
Record UpdatedMay 23, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address491 SPLIT OAK RD, SAINT AUGUSTINE, FL 32092-5448

Mortgage

Document Number0054211515
DateNov 17, 2021
Book Page5421/1515
Instrument2021124726
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressBOCA RATON, FL 33431
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2051

February 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address491 SPLIT OAK RD, SAINT AUGUSTINE, FL 32092-5448
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0048830206
DateFeb 14, 2020
Book Page4883/0206
Instrument2020011761
Lender
NameROUNDPOINT MORTGAGE SERVICING CORP
TypeMortgage Company
AddressFORT MILL, SC 29715
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2050

February 2019: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionST JOHNS FL
Recording DateFeb 21, 2019
Property Address491 SPLIT OAK RD, SAINT AUGUSTINE, FL 32092-5448
Document Number0046830538
Book / Page4683 / 0538
Map ReferenceMB 79 PG 83&84
Instrument DateFeb 20, 2019
Instrument2019011923
Transaction TypeSubdivision Related Transfer
Record UpdatedAug 31, 2021
Title CompanyDHI TITLE OF FLORIDA INC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,310.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address4220 RACE TRACK RD # RD100, 4220, SAINT JOHNS, FL 32259-2084

Transferred To (Grantee/Buyer)

NameVerified Name
Address491 SPLIT OAK RD, SAINT AUGUSTINE, FL 32092-5448

Mortgage

Document Number2019011924
DateFeb 21, 2019
Instrument2019011924
Lender
NameDHI MORTGAGE COMPANY LTD
TypeMortgage Company
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2049

June 2018: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionST JOHNS FL
Recording DateJun 22, 2018
Property Address491 SPLIT OAK RD, SAINT AUGUSTINE, FL 32092-5448
Document Number0045671316
Book / Page004567 / 001316
Instrument DateJun 20, 2018
Instrument44019
Transaction TypeTransfer
Record UpdatedJul 10, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$2,856.70
Additional
  • Arms Length Transaction
  • Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address6966 BUSINESS PARK BLVD N JACKSONVILLE FL 322562735, JACKSONVILLE, FL 32256-2735
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 2026

Property Jurisdictions

TypeName
StateFlorida
CountySt. Johns County
Unified School DistrictSt. Johns County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2026$487,286 (+51.78%) Land $100,000 Building $387,286$487,286 (+3.92%) Land $100,000 Building $387,286
2025$6,036.00 (+8.25%) Homeowner's exemption Disabled Person's exemption$321,037 (+2.9%)$468,902 (-0.92%) Land $100,000 Building $368,902
2024$5,576.00 (+1.57%) Homeowner's exemption Disabled Person's exemption$311,989 (+3%)$473,272 (+9.82%) Land $100,000 Building $373,272
2023$5,490.00 (+0.83%) Homeowner's exemption Disabled Person's exemption$302,902 (+3%)$430,944 (+6.88%) Land $84,000 Building $346,944
2022$5,445.00 Homeowner's exemption Disabled Person's exemption$294,080$403,204 Land $84,000 Building $319,204

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskLow
above 38% of the US · above 12% of Florida
Wildfire LikelihoodAbout 1 in 1,389 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values are read at the parcel center point; lenders make the official flood determination.

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