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

St. Johns County property record for 595 Willow Lake Dr, Saint Augustine, FL 32092

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,756 sqft · built 2021
Lot Size0.18 acres (7,840 sqft)
Owner2 Individual Names on Record
Last Sale$420,242 (Oct 2021)
Tax Bill$4,093 (2025)
Deeds & MortgagesNov 2023 Line of Credit
Oct 2021 Sale & Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN028991-2590

Property Details

APN / Parcel Number

Primary APN028991-2590

Interior

Bedrooms4 Beds
Full Baths3 Baths
Plumbing Fixtures13 Plumbing Fixtures
Stories1 Story
Building Area2,756 sqft Living Area
Gross Area3,431 sqft
1st Floor Area2,756 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2021
Effective Year BuiltEffective 2021
Exterior MaterialConcrete
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,840 sqft (0.18 acres)
Garage TypeAttached
Garage Area675 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Open Porch
Porch Area200 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address595 WILLOW LAKE DR
CitySAINT AUGUSTINE
StateFL
Zip32092-9349
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description93/36-44 GRAN LAKE PHASE 2 LOT 259 OR5384/1869
Legal Range28E
Legal Township07S
Legal Section41
Legal SubdivisionGRAN LAKE PHASE 2
Legal Phase2
Legal Block1
Legal Lot Number259
JurisdictionST JOHNS FL
Township / Civil DivisionST. AUGUSTINE
Census Block Group1
Census Block1002
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 Address595 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9349
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 29, 2023Deed of Trust, Mortgage · Line of Credit
CITIZENS BANK NA
Oct 4, 2021Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
JET HOMELOANS LLC
Oct 28, 2020Loan Modification, Mortgage · Conventional Mortgage
US BK
Oct 29, 2020Grant Deed, Transfer
DF TITLE LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 4, 2021 · Amount on Record
Deed SaleOct 4, 2021 · Amount on Record
Deed Document Number2021107938
Deed Book / Page5384 / 1869
Record UpdatedJun 8, 2026

November 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address595 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9349
Transaction TypeMortgage
Record UpdatedOct 23, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address595 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9349

Mortgage

Document Number0058621869
DateNov 29, 2023
Book Page5862/1869
Instrument2023092680
Lender
NameCITIZENS BANK NA
TypeBank
AddressPROVIDENCE, RI 02903
Agreement
TypeLine of Credit
AmountAmount Recorded
Term300 Months
DueNov 16, 2048
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

October 2021: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateOct 4, 2021
Property Address595 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9349
Document Number0053841869
Book / Page5384 / 1869
Map ReferenceMB 93 PG 36-44
Instrument DateSep 30, 2021
Instrument2021107938
Transaction TypeSubdivision Related Transfer
Record UpdatedOct 23, 2025
Title CompanyGOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TRUST

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,942.10
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
Address595 WILLOW LAKE DR, ST AUGUSTINE, FL 32092-9349

Mortgage

Document Number0053841871
DateOct 4, 2021
Instrument5384/1871
Lender
NameJET HOMELOANS LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueOct 1, 2051
Interest
Rate TypeAdjustable Rate
Rate2.75%
Type Change DateOct 1, 2031
Change FrequencyAnnually
Min Rate At Change2.75%
Max Rate At Change4.75%
Index1-Year CMT
Max Rate8.75%

October 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionST JOHNS FL
Property Address595 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9349
Document Number0050840485
Instrument DateOct 28, 2020
Transaction TypeMortgage
Record UpdatedNov 12, 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 Number0050840485
DateOct 29, 2020
Book Page005084/000485
Instrument96601
Lender
NameUS BK
TypeBank
AddressSAN ANTONIO, TX 78240
Agreement
TypeConventional Mortgage
AmountAmount Recorded

October 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionST JOHNS FL
Recording DateOct 29, 2020
Property Address595 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9349
Document Number0050831826
Book / Page005083 / 001826
Instrument DateOct 22, 2020
Instrument96477
Transaction TypeTransfer
Record UpdatedNov 6, 2020
Title CompanyDF TITLE LLC

Transaction

AmountAmount Recorded
Tax$7,452.00
Amount AccuracyConfirmed
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address14701 PHILIPS HWY JACKSONVILLE FL 322563743, JACKSONVILLE, FL 32256-3743
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$326,477 (+2.7%)$500,067 (+0.23%) Land $125,000 Building $375,067
2025$4,093.00 (+12.66%) Homeowner's exemption$317,894 (+2.9%)$498,912 (-2.1%) Land $115,000 Building $383,912
2024$3,633.00 (+2.02%) Homeowner's exemption$308,935 (+3%)$509,637 (+4.08%) Land $110,000 Building $399,637
2023$3,561.00 (+2.95%) Homeowner's exemption$299,937 (+3%)$489,636 (+15.56%) Land $106,000 Building $383,636
2022$3,459.00 Homeowner's exemption$291,201$423,691 Land $84,000 Building $339,691

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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