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

St. Johns County property record for 604 Willow Lake Dr, Saint Augustine, FL 32092

Property Summary

Property TypeSingle Family Home
Details5 bd · 4 ba · 3,287 sqft · built 2020
Lot Size0.18 acres (7,840 sqft)
Owner2 Individual Names on Record
Last Sale$615,000 (Jul 2026)
Tax Bill$5,469 (2025)
Deeds & MortgagesJul 2026 Sale & Mortgage
Oct 2022 Second Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APN028991-2020

Property Details

APN / Parcel Number

Primary APN028991-2020

Interior

Bedrooms5 Beds
Full Baths4 Baths
Plumbing Fixtures16 Plumbing Fixtures
Stories1 Story
Building Area3,287 sqft Living Area
Gross Area4,162 sqft
1st Floor Area2,756 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 Area675 sqft
Parking Spaces2 Parking Spaces
PorchFinished Screened Porch
Porch Area200 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address604 WILLOW LAKE DR
CitySAINT AUGUSTINE
StateFL
Zip32092-9350
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description93/36-44 GRAN LAKE PHASE 2 LOT 202 OR5080/1420
Legal Range28E
Legal Township07S
Legal Section41
Legal SubdivisionGRAN LAKE PHASE 2
Legal Phase2
Legal Block1
Legal Lot Number202
JurisdictionST JOHNS FL
Township / Civil DivisionST. AUGUSTINE
Census Block Group1
Census Block1000
Census Tract20906

Owner

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

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

Owner of Record2 Individual Names on Record
Mailing Address604 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9350
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Jul 31, 2026Warranty Deed, Transfer · VA Mortgage
BAYWAY MORTGAGE GROUP
Oct 11, 2022Deed of Trust, Mortgage · Stand-Alone Second Mortgage
DISCOVER BANK
Oct 26, 2020Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
FBC MORTGAGE LLC
Jun 30, 2020Loan Modification, Mortgage
HOUSING CAP
May 21, 2020Grant Deed, Transfer
DF TITLE LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 31, 2026 · Amount on Record
Deed SaleJul 31, 2026 · Amount on Record
Prior SaleOct 26, 2020 · Amount on Record
Deed Document Number202665680
Deed Book / Page6412 / 854
Record UpdatedSep 20, 2026

July 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateJul 31, 2026
Property Address604 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9350
Document Number0000065680
Book / Page6412 / 854
Instrument DateJul 31, 2026
Instrument202665680
Transaction TypeTransfer
Record UpdatedAug 13, 2026
Title CompanyPARADISE TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$434,805.00
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address604 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9350

Mortgage

Document Number0000065681,
DateJul 31, 2026
Book Page6412/856
Instrument202665681
Lender
NameBAYWAY MORTGAGE GROUP
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueAug 1, 2056
Interest
Rate TypeAdjustable Rate
Rate6.47%
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

October 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address604 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9350
Transaction TypeMortgage
Record UpdatedOct 23, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address604 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9350

Mortgage

Document Number0056470627
DateOct 11, 2022
Book Page5647/627
Instrument2022095260
Lender
NameDISCOVER BANK
TypeBank
AddressGREENWOOD, DE 19950
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded
Term240 Months
DueOct 13, 2042

October 2020: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateOct 26, 2020
Property Address604 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9350
Document Number0050801420
Book / Page5080 / 1420
Map ReferenceMB 93 PG 36-44
Instrument DateOct 23, 2020
Instrument2020095077
Transaction TypeSubdivision Related Transfer
Record UpdatedAug 31, 2021
Title CompanyGOLDEN DOG TITLE & TRUST

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,849.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address14701 PHILIPS HWY STE 300, 14701, JACKSONVILLE, FL 32256-3742

Transferred To (Grantee/Buyer)

NameVerified Name
Address604 WILLOW LAKE DR, ST AUGUSTINE, FL 32092-9350

Mortgage

Document Number50801422
DateOct 26, 2020
Instrument5080/1422
Lender
NameFBC MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 1, 2050

June 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionST JOHNS FL
Property Address604 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9350
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: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionST JOHNS FL
Recording DateMay 21, 2020
Property Address604 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9350
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$431,351 (+2.7%)$549,219 (-3.34%) Land $125,000 Building $424,219
2025$5,469.00 (+12.12%) Homeowner's exemption$420,011 (+2.9%)$568,172 (-2.41%) Land $115,000 Building $453,172
2024$4,878.00 (+1.96%) Homeowner's exemption$408,174 (+3%)$582,217 (+4.1%) Land $110,000 Building $472,217
2023$4,784.00 (+2.73%) Homeowner's exemption$396,285 (+3%)$559,308 (+15.48%) Land $106,000 Building $453,308
2022$4,657.00 Homeowner's exemption$384,743$484,316 Land $84,000 Building $400,316

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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