645 Watervale Dr, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 645 Watervale Dr, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,450 sqft · built 2021
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$479,784 (Dec 2021)
Tax Bill	$5,314 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`026552-0590`

Property Details

APN / Parcel Number

Primary APN	`026552-0590`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Stories	2 Stories
Building Area	2,450 sqft Living Area
Gross Area	2,867 sqft
1st Floor Area	1,206 sqft
Flooring	Carpet

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	417 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	645 WATERVALE DR
City	SAINT AUGUSTINE
State	FL
Zip	32092-1770
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	100/48-61 HOLLY FOREST LOT 59 OR5434/1323
Legal Range	28E
Legal Township	05S
Legal Section	30
Legal Subdivision	HOLLY FOREST
Legal Block	1
Legal Lot Number	59
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1005
Census Tract	20907

Owner

Source: St. Johns County assessment roll, APN 026552-0590, as of April 13, 2026 · Last verified April 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 File
Mailing Address	645 WATERVALE DR, SAINT AUGUSTINE, FL 32092-1770
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 02, 2021 · Amount on Record
Deed Sale	Dec 02, 2021 · Amount on Record
Deed Document Number	2021130407
Deed Book / Page	5434 / 1323
Record Updated	Jun 08, 2026

December 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Dec 02, 2021
Property Address	645 WATERVALE DR, SAINT AUGUSTINE, FL 32092-1770
Document Number	0054341323
Book / Page	5434 / 1323
Map Reference	MB 100 PG 48-61
Instrument Date	Nov 30, 2021
Instrument	2021130407
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 20, 2022
Title Company	GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TRUST

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,358.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	645 WATERVALE DR, SAINT AUGUSTINE, FL 32092-1770

Mortgage

Document Number	0054341325
Date	Dec 02, 2021
Instrument	5434/1325

Lender

Name	JET HOMELOANS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 01, 2051

Tax Assessment & Valuation

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$419,582 (+2.7%)	$425,284 (-4.7%) Land $110,000 Building $315,284
2025	$5,314.00 (+12.16%) Homeowner's exemption	$408,551 (+5.99%)	$446,275 (+8.98%) Land $110,000 Building $336,275
2024	$4,738.00 (+1.96%)
2023	$4,647.00 (+2.76%) Homeowner's exemption	$385,473 (+3%)	$409,497 (+4.91%) Land $95,000 Building $314,497
2022	$4,522.00 Homeowner's exemption	$374,246	$390,349 Land $89,600 Building $300,749

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), as of September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090209071, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 81 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	81 in force

Wildfire

Wildfire Risk	Moderate above 62% of the US · lower than 63% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, 391 locations within half a mile, as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: T-Mobile USA.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system FL2161328, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	JEA MAJOR GRID serves 826,664 people
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.