528 Prosperity Lake Dr, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 528 Prosperity Lake Dr, Saint Augustine, FL 32092 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,660 sqft · built 2000
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$420,000 (Jan 2023)
Tax Bill	$4,611 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Jan 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`026442-1330`

Property Details

APN / Parcel Number

Primary APN	`026442-1330`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	1,660 sqft Living Area
Gross Area	2,256 sqft
1st Floor Area	1,660 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2006
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	392 sqft
Porch	Finished Screened Porch
Porch Area	225 sqft
Patio Area	91 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	528 PROSPERITY LAKE DR
City	SAINT AUGUSTINE
State	FL
Zip	32092-1033
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	37/68-79 SOUTHLAKE UNIT 2A LOT 133 OR5691/1848
Legal Range	28E
Legal Township	05S
Legal Section	20
Legal Subdivision	SOUTHLAKE UNIT 2-A
Legal Block	1
Legal Lot Number	133
Legal Unit	2
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1008
Census Tract	20907

Owner

Source: St. Johns County records · APN 026442-1330

Assessment roll updated April 13, 2026 · Last verified June 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	528 PROSPERITY LAKE DR, SAINT AUGUSTINE, FL 32092-1033
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 09, 2023	Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
Aug 21, 2019	Warranty Deed, Transfer · Conventional with PMI PENNYMAC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 09, 2023 · Amount on Record
Deed Sale	Jan 09, 2023 · Amount on Record
Prior Sale	Aug 21, 2019 · Amount on Record
Deed Document Number	20231921
Deed Book / Page	5691 / 1848
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	528 PROSPERITY LAKE DR, SAINT AUGUSTINE, FL 32092-1033
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0053391924
Date	Aug 10, 2021
Book Page	5339/1924
Instrument	2021088397

Lender

Name	ROCKET MORTGAGE LLC
Type	Non-Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2051

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jan 09, 2023
Property Address	528 PROSPERITY LAKE DR, SAINT AUGUSTINE, FL 32092-1033
Document Number	0056911848
Book / Page	5691 / 1848
Map Reference	MB 37 PG 68-79
Instrument Date	Jan 06, 2023
Instrument	2023001921
Transaction Type	Transfer
Record Updated	May 23, 2023
Title Company	ATTORNEYS TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,940.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	289 SOUTHLAKE DR, ST AUGUSTINE, FL 32092-1043

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 PROSPERITY LAKE DR, ST AUGUSTINE, FL 32092-1033

Mortgage

Document Number	0056911850
Date	Jan 09, 2023
Instrument	5691/1850

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2053

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Aug 21, 2019
Property Address	528 PROSPERITY LAKE DR, SAINT AUGUSTINE, FL 32092-1033
Document Number	0047820235
Book / Page	004782 / 000235
Instrument Date	Aug 16, 2019
Instrument	61834
Transaction Type	Transfer
Record Updated	Aug 30, 2019
Title Company	LANDMARK TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,820.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	528 PROSPERITY LAKE DR ST AUGUSTINE FL 320921033, ST AUGUSTINE, FL 32092-1033

Mortgage

Document Number	47820237
Date	Aug 21, 2019
Book Page	004782/000237
Instrument	61835

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 20, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	St. Johns County
Unified School District	St. 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$351,976 (-1.22%) Land $80,000 Building $271,976	$351,976 (-1.22%) Land $80,000 Building $271,976
2025	$4,611.00 (-1.56%) Homeowner's exemption	$356,331 (+0.88%)	$356,331 (+0.88%) Land $80,000 Building $276,331
2024	$4,684.00 (+98.05%)	$353,239 (+71.73%)	$353,239 (+0.51%) Land $80,000 Building $273,239
2023	$2,365.00 (+3.37%) Homeowner's exemption	$205,693 (+3%)	$351,448 (+6.99%) Land $85,000 Building $266,448
2022	$2,288.00 Homeowner's exemption	$199,702	$328,497 Land $78,400 Building $250,097

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090209071, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Cost	Premium on Record median of 81 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	81 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 293 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Xfinity	Cable	2,000 / 2,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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