St. Johns County property record for 525 Prosperity Lake Dr, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,102 sqft · built 2000 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $250,000 (Sep 2005) |
| Tax Bill | $5,154 (2025) |
| Deeds & Mortgages | Aug 2022 Mortgage Feb 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 026442-0150 |
| Primary APN | 026442-0150 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,102 sqft Living Area |
| Gross Area | 2,726 sqft |
| 1st Floor Area | 1,746 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Type | Attached |
| Garage Area | 468 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 404 sqft |
| Patio Area | 195 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 525 PROSPERITY LAKE DR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-1036 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 37/68-79 SOUTHLAKE UNIT 2A LOT 15 OR4683/667(H/R) & 4889/1504(Q/C) |
| Legal Range | 28E |
| Legal Township | 05S |
| Legal Section | 20 |
| Legal Subdivision | SOUTHLAKE UNIT 2-A |
| Legal Block | 1 |
| Legal Lot Number | 15 |
| Legal Unit | 2 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 20907 |
Source: St. Johns County records, as of June 17, 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 | 525 PROSPERITY LAKE DR, SAINT AUGUSTINE, FL 32092-1036 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 25, 2022 | Deed of Trust, Mortgage · Conventional Mortgage LADERA LENDING INC |
| Feb 5, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LADERA LENDING INC |
| Feb 26, 2020 | Quit Claim Deed, Transfer LADERA LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 30, 2005 · Amount on Record |
| Deed Sale | Sep 30, 2005 · Amount on Record |
| Prior Sale | Jul 22, 2003 · Amount on Record |
| Deed Document Number | 200581455 |
| Deed Book / Page | 2549 / 81 |
| Last Transfer Date | Jan 27, 2020 |
| Transfer Doc | 0048891504 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 525 PROSPERITY LAKE DR, SAINT AUGUSTINE, FL 32092-1036 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Name | Verified Name |
|---|---|
| Address | 525 PROSPERITY LAKE DR, SAINT AUGUSTINE, FL 32092-1036 |
| Document Number | 0056220250 |
|---|---|
| Date | Aug 25, 2022 |
| Book Page | 5622/250 |
| Instrument | 2022081817 |
| Name | LADERA LENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | LADERA RANCH, CA 92694 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 525 PROSPERITY LAKE DR, SAINT AUGUSTINE, FL 32092-1036 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Title Company | UNISOURCE |
| Name | Verified Name |
|---|---|
| Address | 2 P OSPERITY LAKE DR, SAINT AUGUSTINE, FL 32092 |
| Document Number | 0051730335 |
|---|---|
| Date | Feb 5, 2021 |
| Book Page | 5173/335 |
| Instrument | 2021013769 |
| Name | LADERA LENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | LADERA RANCH, CA 92694 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Feb 26, 2020 |
| Property Address | 525 PROSPERITY LAKE DR, SAINT AUGUSTINE, FL 32092-1036 |
| Document Number | 0048891504 |
| Book / Page | 004889 / 001504 |
| Instrument Date | Jan 27, 2020 |
| Instrument | 15012 |
| Transaction Type | Transfer |
| Record Updated | Mar 11, 2020 |
| Title Company | WFG LENDER SERVICES, WFG LENDER SVCS |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 525 PROSPERITY LAKE DR ST AUGUSTINE FL 320921036, ST AUGUSTINE, FL 32092-1036 |
| Document Number | 48891506 |
|---|---|
| Date | Feb 26, 2020 |
| Book Page | 004889/001506 |
| Instrument | 15013 |
| Name | LADERA LNDG |
|---|---|
| Address | LADERA RANCH, CA 92694 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Feb 25, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.5% |
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 | $382,950 (-3.46%) Land $80,000 Building $302,950 | $382,950 (-3.46%) Land $80,000 Building $302,950 | |
| 2025 | $5,154.00 (+8.01%) Homeowner's exemption | $396,678 (+1.43%) | $396,678 (+1.43%) Land $80,000 Building $316,678 |
| 2024 | $4,772.00 (+4.7%) | $391,094 (+2.39%) | $391,094 (+2.39%) Land $80,000 Building $311,094 |
| 2023 | $4,558.00 (+8.52%) | $381,976 (+9.01%) | $381,976 (+9.01%) Land $85,000 Building $296,976 |
| 2022 | $4,200.00 | $350,406 | $350,406 Land $78,400 Building $272,006 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 81 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 81 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 | Low lower than 62% of the US · lower than 88% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | None beyond ember reach |
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 | JEA MAJOR GRID serves 826,664 people · EPA ID FL2161328 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2026 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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 293 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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