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

St. Johns County property record for 638 Willow Lake Dr, Saint Augustine, FL 32092

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,935 sqft · built 2021
Lot Size0.18 acres (7,840 sqft)
Owner2 Individual Names on Record
Last Sale$381,110 (Sep 2021)
Tax Bill$5,473 (2025)
Deeds & MortgagesSep 2021 Sale & Mortgage
Oct 2020 Loan Modification
+ 1 more
Flood ZoneZone X (minimal risk)
APN028991-2050

Property Details

APN / Parcel Number

Primary APN028991-2050

Interior

Bedrooms4 Beds
Full Baths2 Baths
Plumbing Fixtures10 Plumbing Fixtures
Stories1 Story
Building Area1,935 sqft Living Area
Gross Area2,586 sqft
1st Floor Area1,935 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 Area441 sqft
Parking Spaces2 Parking Spaces
PorchFinished Screened Porch
Porch Area210 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address638 WILLOW LAKE DR
CitySAINT AUGUSTINE
StateFL
Zip32092-9350
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description93/36-44 GRAN LAKE PHASE 2 LOT 205 OR5359/1075
Legal Range28E
Legal Township07S
Legal Section41
Legal SubdivisionGRAN LAKE PHASE 2
Legal Phase2
Legal Block1
Legal Lot Number205
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 Address638 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9350
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 2, 2021Warranty Deed, Subdivision Related Transfer · FHA 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 SaleSep 2, 2021 · Amount on Record
Deed SaleSep 2, 2021 · Amount on Record
Deed Document Number202197032
Deed Book / Page5359 / 1075
Record UpdatedJun 8, 2026

September 2021: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateSep 2, 2021
Property Address638 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9350
Document Number0053591075
Book / Page5359 / 1075
Map ReferenceMB 93 PG 36-44
Instrument DateAug 31, 2021
Instrument2021097032
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$2,668.40
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
Address638 WILLOW LAKE DR, ST AUGUSTINE, FL 32092-9350

Mortgage

Document Number0053591077
DateSep 2, 2021
Instrument5359/1077
Lender
NameJET HOMELOANS LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueSep 1, 2051

October 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionST JOHNS FL
Property Address638 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9350
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 Address638 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9350
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$431,711 (+2.7%)$480,359 (+1.62%) Land $125,000 Building $355,359
2025$5,473.00 (+12.11%) Homeowner's exemption$420,361 (+2.9%)$472,717 (+3.36%) Land $115,000 Building $357,717
2024$4,882.00 (+21.56%) Homeowner's exemption$408,514 (+21.67%)$457,363 (+20.59%) Land $110,000 Building $347,363
2023$4,016.00 (+2.87%) Homeowner's exemption$335,750 (+3%)$379,279 (+16.35%) Land $106,000 Building $273,279
2022$3,904.00 Homeowner's exemption$325,971$325,971 Land $84,000 Building $241,971

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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