St. Johns County property record for 500 Willow Lake Dr, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 5 ba · 3,690 sqft · built 2019 |
| Lot Size | 0.47 acres (20,473 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $466,412 (Jan 2020) |
| Tax Bill | $6,411 (2025) |
| Deeds & Mortgages | Aug 2026 Sale Jan 2026 Second Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 028991-1930 |
| Primary APN | 028991-1930 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 5 Baths |
| Plumbing Fixtures | 19 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 3,690 sqft Living Area |
| Gross Area | 4,383 sqft |
| 1st Floor Area | 2,805 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 | 20,473 sqft (0.47 acres) |
| Garage Type | Attached |
| Garage Area | 693 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 188 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 500 WILLOW LAKE DR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-9348 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 93/36-44 GRAN LAKE PHASE 2 LOT 193 OR4864/990 |
| Legal Range | 28E |
| Legal Township | 07S |
| Legal Section | 41 |
| Legal Subdivision | GRAN LAKE PHASE 2 |
| Legal Phase | 2 |
| Legal Block | 1 |
| Legal Lot Number | 193 |
| 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 September 1, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 500 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9348 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| Aug 18, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Jan 28, 2026 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage VYSTAR CU |
| Feb 14, 2022 | Deed of Trust, Mortgage · Line of Credit VYSTAR CU |
| Oct 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jan 13, 2020 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage JET HOMELOANS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 13, 2020 · Amount on Record |
| Deed Sale | Jan 13, 2020 · Amount on Record |
| Deed Document Number | 20202534 |
| Deed Book / Page | 4864 / 990 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Aug 18, 2026 |
| Property Address | 500 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9348 |
| Document Number | 0000070632 |
| Book / Page | 6422 / 226 |
| Instrument Date | Aug 14, 2026 |
| Instrument | 202670632 |
| Transaction Type | Transfer |
| Record Updated | Sep 1, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $70.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 500 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9348 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 500 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9348 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2026 |
| Name | Verified Name |
|---|---|
| Address | 500 WILLOW LAKE DR, ST AUGUSTINE, FL 32092-9348 |
| Document Number | 0062951794 |
|---|---|
| Date | Jan 28, 2026 |
| Book Page | 6295/1794 |
| Instrument | 2026007241 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Feb 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 500 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9348 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 500 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9348 |
| Document Number | 0054911720 |
|---|---|
| Date | Feb 14, 2022 |
| Book Page | 5491/1720 |
| Instrument | 2022015833 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Mar 1, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 500 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9348 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 500 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9348 |
| Document Number | 0053911970 |
|---|---|
| Date | Oct 12, 2021 |
| Book Page | 5391/1970 |
| Instrument | 2021111307 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jan 13, 2020 |
| Property Address | 500 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9348 |
| Document Number | 0048640990 |
| Book / Page | 4864 / 0990 |
| Map Reference | MB 93 PG 36-44 |
| Instrument Date | Dec 31, 2019 |
| Instrument | 2020002534 |
| 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 | $3,265.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14701 PHILIPS HWY STE 300, 14701, JACKSONVILLE, FL 32256-3742 |
| Name | Verified Name |
|---|---|
| Address | 500 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9348 |
| Document Number | 48640992 |
|---|---|
| Date | Jan 13, 2020 |
| Instrument | 4864/0992 |
| Name | JET HOMELOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 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 | $503,241 (+2.7%) | $678,018 (-3.24%) Land $135,000 Building $543,018 | |
| 2025 | $6,411.00 (+11.87%) Homeowner's exemption | $490,011 (+2.9%) | $700,703 (+0.68%) Land $120,000 Building $580,703 |
| 2024 | $5,731.00 (+1.92%) Homeowner's exemption | $476,201 (+3%) | $695,961 (+2.71%) Land $110,000 Building $585,961 |
| 2023 | $5,623.00 (+2.67%) Homeowner's exemption | $462,331 (+3%) | $677,587 (+17.46%) Land $106,000 Building $571,587 |
| 2022 | $5,477.00 Homeowner's exemption | $448,865 | $576,874 Land $84,000 Building $492,874 |
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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