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

St. Johns County property record for 616 Willow Lake Dr, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,756 sqft · built 2020
Lot Size	0.18 acres (7,840 sqft)
Owner	Individual Name on Record
Last Sale	$379,145 (Nov 2020)
Tax Bill	$4,657 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`028991-2030`

Property Details

APN / Parcel Number

Primary APN	`028991-2030`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Stories	1 Story
Building Area	2,756 sqft Living Area
Gross Area	3,631 sqft
1st Floor Area	2,756 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,840 sqft (0.18 acres)
Garage Type	Attached
Garage Area	675 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	616 WILLOW LAKE DR
City	SAINT AUGUSTINE
State	FL
Zip	32092-9350
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	93/36-44 GRAN LAKE PHASE 2 LOT 203 OR5095/616
Legal Range	28E
Legal Township	07S
Legal Section	41
Legal Subdivision	GRAN LAKE PHASE 2
Legal Phase	2
Legal Block	1
Legal Lot Number	203
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1000
Census Tract	20906

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 Record	Individual Name on Record
Mailing Address	616 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9350
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 10, 2020 · Amount on Record
Deed Sale	Nov 10, 2020 · Amount on Record
Deed Document Number	2020101422
Deed Book / Page	5095 / 616
Record Updated	Jun 8, 2026

November 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Nov 10, 2020
Property Address	616 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9350
Document Number	0050950616
Book / Page	5095 / 616
Map Reference	MB 93 PG 36-44
Instrument Date	Nov 6, 2020
Instrument	2020101422
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 31, 2021
Title Company	GOLDEN DOG TITLE AND TRUST

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,654.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14701 PHILIPS HWY STE 300, 14701, JACKSONVILLE, FL 32256-3742

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	616 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9350

Mortgage

Document Number	5095618
Date	Nov 10, 2020
Instrument	5095/618

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$369,443 (+2.7%)	$498,634 (-0.53%) Land $125,000 Building $373,634
2025	$4,657.00 (+12.41%) Homeowner's exemption	$359,730 (+2.9%)	$501,308 (-2.11%) Land $115,000 Building $386,308
2024	$4,143.00 (+1.99%) Homeowner's exemption	$349,592 (+3%)	$512,130 (+4.09%) Land $110,000 Building $402,130
2023	$4,062.00 (+2.84%) Homeowner's exemption	$339,410 (+3%)	$492,030 (+15.84%) Land $106,000 Building $386,030
2022	$3,950.00 Homeowner's exemption	$329,524	$424,748 Land $84,000 Building $340,748

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 62 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	62 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 Risk	Moderate above 56% of the US · lower than 72% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct 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 System	SJCU-CR214 MAINLAND WTP serves 66,953 people · EPA ID FL2554447
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 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

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