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

St. Johns County property record for 548 Prosperity Lake Dr, Saint Augustine, FL 32092 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,687 sqft · built 2000
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on File
Last Sale	$169,900 (Jul 2004)
Tax Bill	$2,980 (2025)
Deeds & Mortgages	Dec 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`026442-1280`

Property Details

APN / Parcel Number

Primary APN	`026442-1280`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	1,687 sqft Living Area
Gross Area	2,127 sqft
1st Floor Area	1,687 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2005
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,761 sqft (0.27 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	64 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	548 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 128 OR2240/1107
Legal Range	28E
Legal Township	05S
Legal Section	20
Legal Subdivision	SOUTHLAKE UNIT 2-A
Legal Block	1
Legal Lot Number	128
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 026442-1280

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	Individual Name on File
Mailing Address	548 PROSPERITY LAKE DR, SAINT AUGUSTINE, FL 32092-1033
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 13, 2004 · Amount on Record
Deed Sale	Jul 13, 2004 · Amount on Record
Prior Sale	Jun 07, 2000 · Amount on Record
Deed Document Number	200452781
Deed Book / Page	2240 / 1107
Record Updated	Sep 20, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	548 PROSPERITY LAKE DR, SAINT AUGUSTINE, FL 32092-1033
Document Number	0048661837
Instrument Date	Dec 18, 2019
Transaction Type	Mortgage
Record Updated	Feb 04, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	548 PROSPERITY LAKE DR ST AUGUSTINE FL 320921033, ST AUGUSTINE, FL 32092-1033

Mortgage

Document Number	0048661837
Date	Jan 16, 2020
Book Page	004866/001837
Instrument	3750

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32210

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jan 15, 2030

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 and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$241,598 (+2.7%)	$327,221 (-0.6%) Land $80,000 Building $247,221
2025	$2,980.00 (+13.48%) Homeowner's exemption	$235,246 (+5.99%)	$329,197 (+3.49%) Land $80,000 Building $249,197
2024	$2,626.00 (+2.14%)
2023	$2,571.00 (+3.21%) Homeowner's exemption	$221,957 (+3%)	$318,108 (+8.54%) Land $85,000 Building $233,108
2022	$2,491.00 Homeowner's exemption	$215,492	$293,073 Land $78,400 Building $214,673

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
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Nearby Flood Policies	81 in force 69 of 81 on primary residences
Flood Insurance Cost	Premium on Record median of 81 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)

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.