St. Johns County property record for 556 Prosperity Lake Dr, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,860 sqft · built 2000 |
| Lot Size | 0.31 acres (13,503 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $430,000 (Apr 2022) |
| Tax Bill | $4,332 (2025) |
| Deeds & Mortgages | Mar 2020 Mortgage Oct 2018 Second Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 026442-1260 |
| Primary APN | 026442-1260 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,860 sqft Living Area |
| Gross Area | 2,504 sqft |
| 1st Floor Area | 1,860 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 13,503 sqft (0.31 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 308 sqft |
|---|---|
| Porch | Finished Screened Porch |
| Porch Area | 290 sqft |
| Deck Area | Deck Area |
| Patio Area | 278 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 556 PROSPERITY LAKE DR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-1033 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 37/68-79 SOUTHLAKE UNIT 2A LOT 126 OR5528/1885 |
| Legal Range | 28E |
| Legal Township | 05S |
| Legal Section | 20 |
| Legal Subdivision | SOUTHLAKE UNIT 2-A |
| Legal Block | 1 |
| Legal Lot Number | 126 |
| Legal Unit | 2 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 20907 |
Source: St. Johns County records, as of April 13, 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 Record |
|---|---|
| Mailing Address | 556 PROSPERITY LAKE DR, SAINT AUGUSTINE, FL 32092-1033 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Mar 12, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Oct 10, 2018 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage VYSTAR CU |
| Apr 1, 2022 | Warranty Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Nov 9, 2021 | Warranty Deed, Transfer STEWART TITLE |
| Jan 30, 2017 | Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 1, 2022 · Amount on Record |
| Deed Sale | Apr 1, 2022 · Amount on Record |
| Prior Sale | Nov 9, 2021 · Amount on Record |
| Deed Document Number | 202234376 |
| Deed Book / Page | 5528 / 1885 |
| Prior Transfer Date | Jul 13, 2012 |
| Prior Transfer Doc | 0035891005 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 556 PROSPERITY LAKE DR, SAINT AUGUSTINE, FL 32092-1033 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0049010342 |
|---|---|
| Date | Mar 12, 2020 |
| Book Page | 4901/342 |
| Instrument | 2020020090 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 556 PROSPERITY LAKE DR, SAINT AUGUSTINE, FL 32092-1033 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0046241669 |
|---|---|
| Date | Oct 10, 2018 |
| Book Page | 4624/1669 |
| Instrument | 2018073523 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32210 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Nov 1, 2038 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Apr 1, 2022 |
| Property Address | 556 PROSPERITY LAKE DR, SAINT AUGUSTINE, FL 32092-1033 |
| Document Number | 0055281885 |
| Book / Page | 5528 / 1885 |
| Map Reference | MB 37 PG 68-79 |
| Instrument Date | Apr 1, 2022 |
| Instrument | 2022034376 |
| Transaction Type | Transfer |
| Record Updated | Aug 2, 2022 |
| Title Company | NOT AVAILABLE, MANGROVE TITLE & LEGAL PLLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,010.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4343 N SCOTTSDALE RD STE 390, 4343, SCOTTSDALE, AZ 85251-3347 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2668 BERNICE CT, MELBOURNE, FL 32935-3466 |
| Document Number | 0055281887 |
|---|---|
| Date | Apr 1, 2022 |
| Instrument | 5528/1887 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Nov 9, 2021 |
| Property Address | 556 PROSPERITY LAKE DR, SAINT AUGUSTINE, FL 32092-1033 |
| Document Number | 0054151830 |
| Book / Page | 5415 / 1830 |
| Map Reference | MB 37 PG 68-79 |
| Instrument Date | Nov 1, 2021 |
| Instrument | 2021122029 |
| Transaction Type | Transfer |
| Record Updated | Aug 2, 2022 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,935.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4343 N SCOTTSDALE RD STE 390, 4343, SCOTTSDALE, AZ 85251-3347 |
| Name | Verified Name |
|---|---|
| Address | 4343 N SCOTTSDALE RD STE 390, 390, SCOTTSDALE, AZ 85251-3347 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 556 PROSPERITY LAKE DR, SAINT AUGUSTINE, FL 32092-1033 |
| Document Number | 0043271089 |
| Book / Page | 004327 / 001089 |
| Instrument Date | Jan 30, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Feb 15, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 556 PROSPERITY LAKE DR ST AUGUSTINE FL 320921033, ST AUGUSTINE, FL 32092-1033 |
| Document Number | 0043271089 |
|---|---|
| Date | Feb 6, 2017 |
| Book Page | 004327/001089 |
| Instrument | 8864 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32232-5085 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 5, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
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 | $344,698 (+2.7%) | $361,471 (-1.37%) Land $80,000 Building $281,471 | |
| 2025 | $4,332.00 (+12.55%) Homeowner's exemption | $335,636 (+5.99%) | $366,492 (+1.26%) Land $80,000 Building $286,492 |
| 2024 | $3,849.00 (+1.99%) | ||
| 2023 | $3,774.00 (-21.91%) Homeowner's exemption | $316,677 (-11.85%) | $361,937 (+0.74%) Land $85,000 Building $276,937 |
| 2022 | $4,833.00 | $359,265 | $359,265 Land $78,400 Building $280,865 |
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 500 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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