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

St. Johns County property record for 655 Willow Lake Dr, Saint Augustine, FL 32092 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3 Baths
Year Built	Built 2020
Square Footage	2,516 sqft Living Area
Lot Size	8,712 sqft (0.2 acres)
Occupancy	Owner Occupied
Last Sale	$385,467 (2020)
Tax Bill	$3,730.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`028991-2540`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Building Area	2,516 sqft Living Area
Gross Area	3,134 sqft Gross Area
1st Floor	2,516 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Concrete Exterior
Construction Type	Wood Construction
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	8,712 sqft (0.2 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Attached Garage
Garage Area	618 sqft Garage
Porch Area	238 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air with Air Conditioning Heating

Location & Zoning

Street Address	655 WILLOW LAKE DR
City	SAINT AUGUSTINE
State	FL
Zip	32092-9351
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	93/36-44 GRAN LAKE PHASE 2 LOT 254 OR4972/1430
Legal Range	28E
Legal Township	07S
Legal Section	41
Legal Subdivision	GRAN LAKE PHASE 2
Legal Phase	2
Legal Block	1
Legal Lot Number	254
Jurisdiction	ST JOHNS FL
Minor Civil Division	ST. AUGUSTINE
Census Blockgroup	1
Census Block	1002
Census Tract	20906

Owner

Source: St. Johns County records · APN 028991-2540

Assessment roll updated 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	2 Individual Names on File
Mailing Address	655 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9351
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 25, 2020 · Amount on Record
Deed Sale	Jun 25, 2020 · Amount on Record
Deed Doc Number	202049858
Deed Book / Page	4972 / 1430
Record Refreshed	Jun 08, 2026

June 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jun 25, 2020
Property Address	655 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9351
Document Number	0049721430
Book / Page	4972 / 1430
Map Reference	MB 93 PG 36-44
Instrument Date	Jun 24, 2020
Instrument	2020049858
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 31, 2021
Title Company	GOLDEN DOG TITLE AND TRUST

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,698.50
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

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	655 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9351

Mortgage

Document Number	49721432
Date	Jun 25, 2020
Instrument	4972/1432

Lender

Name	JET HOMELOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 01, 2035

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated 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		$298,780 (+2.7%)	$473,535 (-0.81%) Land $125,000 Building $348,535
2025	$3,730.00 (+12.89%) Homeowner's exemption	$290,925 (+2.9%)	$477,388 (-2.06%) Land $115,000 Building $362,388
2024	$3,304.00 (+2.04%) Homeowner's exemption	$282,726 (+3%)	$487,434 (+4.08%) Land $110,000 Building $377,434
2023	$3,238.00 (+3.02%) Homeowner's exemption	$274,491 (+3%)	$468,339 (+15.69%) Land $106,000 Building $362,339
2022	$3,143.00 Homeowner's exemption	$266,496	$404,819 Land $84,000 Building $320,819

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Moderate above 56% of the US · above 27% of Florida
Wildfire Likelihood	About 1 in 725 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.