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

St. Johns County property record for 592 Willow Lake Dr, Saint Augustine, FL 32092

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,562 sqft · built 2020
Lot Size0.18 acres (7,840 sqft)
Owner2 Individual Names on Record
Last Sale$357,671 (Nov 2020)
Tax Bill$4,434 (2025)
Deeds & MortgagesJan 2024 Transfer
Nov 2021 Transfer
+ 4 more
Flood ZoneZone X (minimal risk)
APN028991-2010

Property Details

APN / Parcel Number

Primary APN028991-2010

Interior

Bedrooms4 Beds
Full Baths3 Baths
Plumbing Fixtures12 Plumbing Fixtures
Stories1 Story
Building Area2,562 sqft Living Area
Gross Area3,162 sqft
1st Floor Area2,562 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2020
Exterior MaterialConcrete
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,840 sqft (0.18 acres)
Garage TypeAttached
Garage Area600 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Open Porch
Porch Area221 sqft
Patio Area187 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address592 WILLOW LAKE DR
CitySAINT AUGUSTINE
StateFL
Zip32092-9348
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description93/36-44 GRAN LAKE PHASE 2 LOT 201 OR5086/1617 & 5429/1349 & 5887/1116(L/E)
Legal Range28E
Legal Township07S
Legal Section41
Legal SubdivisionGRAN LAKE PHASE 2
Legal Phase2
Legal Block1
Legal Lot Number201
JurisdictionST JOHNS FL
Township / Civil DivisionST. AUGUSTINE
Census Block Group1
Census Block1000
Census Tract20906

Owner

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 Record2 Individual Names on Record
Mailing Address592 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9348
OccupancyOwner Occupied
Owner TypeIndividual
VestingLife Estate

Deeds, Mortgages & Sale History

DateDocument
Jan 18, 2024Intrafamily Transfer, Transfer
ATTORNEY ONLY, ATTORNEY
Nov 29, 2021Intrafamily Transfer, Transfer
ATTORNEY ONLY, ATTORNEY
Nov 2, 2020Warranty Deed, Subdivision Related Transfer · VA Mortgage
FBC MORTGAGE LLC
Jun 30, 2020Loan Modification, Mortgage
HOUSING CAP
May 21, 2020Loan Modification, Mortgage
HOUSING CAP
May 21, 2020Grant Deed, Transfer
DF TITLE LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 2, 2020 · Amount on Record
Deed SaleNov 2, 2020 · Amount on Record
Deed Document Number202097745
Deed Book / Page5086 / 1617
Last Transfer DateJan 17, 2024
Transfer Doc0058871116
Record UpdatedOct 29, 2026

January 2024: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionST JOHNS FL
Recording DateJan 18, 2024
Property Address592 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9348
Document Number0058871116
Book / Page5887 / 1116
Map ReferenceMB 93 PG 36-44
Instrument DateJan 17, 2024
Instrument2024004400
Transaction TypeTransfer
Record UpdatedOct 23, 2025
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address592 WILLOW LAKE DR, ST AUGUSTINE, FL 32092-9348

Transferred To (Grantee/Buyer)

NameVerified Name
Address796 CYPRESS CROSSING TRL, ST AUGUSTINE, FL 32095-6807

November 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionST JOHNS FL
Recording DateNov 29, 2021
Property Address592 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9348
Document Number0054291349
Book / Page5429 / 1349
Instrument DateNov 16, 2021
Instrument2021128118
Transaction TypeTransfer
Record UpdatedOct 23, 2025
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants in Common
Address592 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9348

November 2020: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateNov 2, 2020
Property Address592 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9348
Document Number0050861617
Book / Page5086 / 1617
Map ReferenceMB 93 PG 36-44
Instrument DateOct 30, 2020
Instrument2020097745
Transaction TypeSubdivision Related Transfer
Record UpdatedMay 23, 2023
Title CompanyGOLDEN DOG TITLE AND TRUST

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,503.90
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address14701 PHILIPS HWY STE 300, 300, JACKSONVILLE, FL 32256-3742

Transferred To (Grantee/Buyer)

NameVerified Name
Address592 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9348

Mortgage

Document Number0050861619
DateNov 2, 2020
Instrument5086/1619
Lender
NameFBC MORTGAGE LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueNov 1, 2050

June 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionST JOHNS FL
Property Address592 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9348
Document Number0049980047
Instrument DateJun 30, 2020
Transaction TypeMortgage
Record UpdatedAug 18, 2020
Title CompanyOTHER

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address14701 PHILIPS HWY JACKSONVILLE FL 322563743, JACKSONVILLE, FL 32256-3743

Mortgage

Document Number0049980047
DateJul 24, 2020
Book Page004998/000047
Instrument60078
Lender
NameHOUSING CAP
TypeFunding / Finance Company
Address13737 NOEL RD, DALLAS, TX 75240-1331
Agreement
AmountAmount Recorded
Term12 Months
DueJul 23, 2021

May 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionST JOHNS FL
Property Address592 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9348
Document Number0049470429
Instrument DateMay 21, 2020
Transaction TypeMortgage
Record UpdatedJun 25, 2020
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address14701 PHILIPS HWY JACKSONVILLE FL 322563743, JACKSONVILLE, FL 32256-3743

Mortgage

Document Number0049470429
DateMay 21, 2020
Book Page004947/000429
Instrument39078
Lender
NameHOUSING CAP
TypeFunding / Finance Company
Address13737 NOEL RD # 800, DALLAS, TX 75240-1331
Agreement
AmountAmount Recorded

May 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionST JOHNS FL
Recording DateMay 21, 2020
Property Address592 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9348
Document Number0049470419
Book / Page004947 / 000419
Instrument DateMay 21, 2020
Instrument39073
Transaction TypeTransfer
Record UpdatedJun 23, 2020
Title CompanyDF TITLE LLC

Transaction

AmountAmount Recorded
Tax$1,692.00
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address14701 PHILIPS HWY #300 JACKSONVILLE FL 322563742, 300, JACKSONVILLE, FL 32256-3742
InvestorPossibly a Property Investor

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountySt. Johns County
Unified School DistrictSt. Johns County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$357,560 (+2.7%)$472,348 (-0.28%) Land $125,000 Building $347,348
2025$4,434.00 (+23.37%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$348,160 (+2.9%)$473,694 (-1.97%) Land $115,000 Building $358,694
2024$3,594.00 (+2.22%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption Veteran's exemption$338,348 (+3%)$483,205 (+4.04%) Land $110,000 Building $373,205
2023$3,516.00 (+3.26%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption Veteran's exemption$328,493 (+3%)$464,440 (+15.34%) Land $106,000 Building $358,440
2022$3,405.00 Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption Veteran's exemption$318,925$402,672 Land $84,000 Building $318,672

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 15, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 62 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies62 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

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

Wildfire RiskModerate
above 56% of the US · lower than 72% of Florida
Wildfire Likelihood0.1% annual chance
ExposureDirect
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 SystemSJCU-CR214 MAINLAND WTP
serves 66,953 people · EPA ID FL2554447
Water SourceGroundwater
Last State InspectionAug 2025
LeadUnder 1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting6
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

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

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