544 Willow Lake Dr, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 544 Willow Lake Dr, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,865 sqft · built 2020
Lot Size	0.18 acres (7,840 sqft)
Owner	2 Individual Names on File
Last Sale	$352,990 (Apr 2020)
Tax Bill	$4,141 (2025)
Deeds & Mortgages	Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`028991-1970`

Property Details

APN / Parcel Number

Primary APN	`028991-1970`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	16 Plumbing Fixtures
Stories	1 Story
Building Area	2,865 sqft Living Area
Gross Area	3,713 sqft
1st Floor Area	2,484 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,840 sqft (0.18 acres)
Garage Type	Attached
Garage Area	640 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	208 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	544 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 197 OR4929/1549
Legal Range	28E
Legal Township	07S
Legal Section	41
Legal Subdivision	GRAN LAKE PHASE 2
Legal Phase	2
Legal Block	1
Legal Lot Number	197
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1000
Census Tract	20906

Owner

544 Willow Lake Dr is owned and occupied by two individuals who bought it in April 2020.

Source: St. Johns County records, as of April 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	544 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9348
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 24, 2020 · Amount on File
Deed Sale	Apr 24, 2020 · Amount on File
Deed Document Number	202031930
Deed Book / Page	4929 / 1549
Record Updated	Jun 8, 2026

April 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Apr 24, 2020
Property Address	544 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9348
Document Number	0049291549
Book / Page	4929 / 1549
Map Reference	MB 93 PG 36-44
Instrument Date	Apr 23, 2020
Instrument	2020031930
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 31, 2021
Title Company	GOLDEN DOG TITLE & TRUST

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,471.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14701 PHILIPS HWY STE 300, 14701, JACKSONVILLE, FL 32256-3742

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	544 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9348

Mortgage

Document Number	49291551
Date	Apr 24, 2020
Instrument	4929/1551

Lender

Name	JET HOMELOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 544 Willow Lake Dr was $4,141 with a homeowner's exemption, up 12.6% from the year before.

Source: St. Johns County assessment roll, as of April 13, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$330,117 (+2.7%)	$509,955 (-1.28%) Land $125,000 Building $384,955
2025	$4,141.00 (+12.65%) Homeowner's exemption	$321,438 (+2.9%)	$516,569 (-2.25%) Land $115,000 Building $401,569
2024	$3,676.00 (+2%) Homeowner's exemption	$312,379 (+3%)	$528,449 (+4.08%) Land $110,000 Building $418,449
2023	$3,604.00 (+2.94%) Homeowner's exemption	$303,281 (+3%)	$507,722 (+15.47%) Land $106,000 Building $401,722
2022	$3,501.00 Homeowner's exemption	$294,448	$439,682 Land $84,000 Building $355,682

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 544 Willow Lake Dr in Zone X, an area of minimal flood risk.

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 File 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.

Wildfire

Wildfire risk around 544 Willow Lake Dr is moderate, ranking above 56% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 56% of the US · lower than 72% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	1,200 / 35
AT&T Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20