St. Johns County property record for 491 Willow Lake Dr, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,568 sqft · built 2019 |
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $585,000 (Sep 2026) |
| Tax Bill | $4,245 (2025) |
| Deeds & Mortgages | Sep 2026 Sale Sep 2026 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 028991-2650 |
| Primary APN | 028991-2650 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,568 sqft Living Area |
| Gross Area | 3,385 sqft |
| 1st Floor Area | 2,568 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 13,939 sqft (0.32 acres) |
| Garage Type | Attached |
| Garage Area | 596 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Patio |
| Porch Area | 421 sqft |
| Patio Area | 85 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 491 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 265 OR4856/423 |
| Legal Range | 28E |
| Legal Township | 07S |
| Legal Section | 41 |
| Legal Subdivision | GRAN LAKE PHASE 2 |
| Legal Phase | 2 |
| Legal Block | 1 |
| Legal Lot Number | 265 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 20906 |
Source: St. Johns County records, as of October 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 | 491 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9347 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Sep 16, 2026 | Affidavit, Transfer |
| Sep 16, 2026 | Warranty Deed, Transfer LANDMARK TITLE |
| Dec 27, 2019 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage JET HOMELOANS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 16, 2026 · Amount on Record |
| Deed Sale | Sep 16, 2026 · Amount on Record |
| Prior Sale | Dec 27, 2019 · Amount on Record |
| Deed Document Number | 202679213 |
| Deed Book / Page | 6437 / 1415 |
| Record Updated | Oct 29, 2026 |
| Document Type | Affidavit |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Sep 16, 2026 |
| Property Address | 491 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9347 |
| Document Number | 0000079212 |
| Book / Page | 6437 / 1414 |
| Instrument Date | Sep 15, 2026 |
| Instrument | 202679212 |
| Transaction Type | Transfer |
| Record Updated | Oct 1, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Sep 16, 2026 |
| Property Address | 491 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9347 |
| Document Number | 0000079213 |
| Book / Page | 6437 / 1415 |
| Instrument Date | Sep 10, 2026 |
| Instrument | 202679213 |
| Transaction Type | Transfer |
| Record Updated | Oct 1, 2026 |
| Title Company | LANDMARK TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $413,595.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 491 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9347 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Dec 27, 2019 |
| Property Address | 491 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9347 |
| Document Number | 0048560423 |
| Book / Page | 4856 / 0423 |
| Map Reference | MB 93 PG 36-44 |
| Instrument Date | Dec 24, 2019 |
| Instrument | 2019096925 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 31, 2021 |
| Title Company | GOLDEN DOG TITLE & TRUST |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,606.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14701 PHILIPS HWY STE 300, 14701, JACKSONVILLE, FL 32256-3742 |
| Name | Verified Name |
|---|---|
| Address | 491 WILLOW LAKE DR, ST AUGUSTINE, FL 32092-9347 |
| Document Number | 48560425 |
|---|---|
| Date | Dec 27, 2019 |
| Instrument | 4856/0425 |
| Name | JET HOMELOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2050 |
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 | $338,077 (+2.7%) | $486,509 (+4.66%) Land $135,000 Building $351,509 | |
| 2025 | $4,245.00 (+12.57%) Homeowner's exemption | $329,189 (+2.9%) | $464,867 (-1.5%) Land $120,000 Building $344,867 |
| 2024 | $3,771.00 (+2%) Homeowner's exemption | $319,912 (+3%) | $471,951 (+4.07%) Land $110,000 Building $361,951 |
| 2023 | $3,697.00 (+2.92%) Homeowner's exemption | $310,594 (+3%) | $453,477 (+15.78%) Land $106,000 Building $347,477 |
| 2022 | $3,592.00 Homeowner's exemption | $301,548 | $391,658 Land $84,000 Building $307,658 |
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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