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

St. Johns County property record for 674 Willow Lake Dr, Saint Augustine, FL 32092

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,562 sqft · built 2020
Lot Size0.18 acres (7,840 sqft)
Owner2 Company Names on Record
Last Sale$439,076 (Nov 2020)
Tax Bill$4,908 (2025)
Deeds & MortgagesApr 2026 Line of Credit
Nov 2024 Transfer
+ 3 more
Flood ZoneZone X (minimal risk)
APN028991-2080

Property Details

APN / Parcel Number

Primary APN028991-2080

Interior

Bedrooms4 Beds
Full Baths3 Baths
Plumbing Fixtures14 Plumbing Fixtures
Stories1 Story
Building Area2,562 sqft Living Area
Gross Area3,383 sqft
1st Floor Area2,562 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

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 Area600 sqft
Parking Spaces2 Parking Spaces
PorchFinished Screened Porch
Porch Area221 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address674 WILLOW LAKE DR
CitySAINT AUGUSTINE
StateFL
Zip32092-9350
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description93/36-44 GRAN LAKE PHASE 2 LOT 208 OR5089/71 & 6053/483(Q/C)
Legal Range28E
Legal Township07S
Legal Section41
Legal SubdivisionGRAN LAKE PHASE 2
Legal Phase2
Legal Block1
Legal Lot Number208
JurisdictionST JOHNS FL
Township / Civil DivisionST. AUGUSTINE
Census Block Group1
Census Block1000
Census Tract20906

Owner

Source: St. Johns County records, as of April 15, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Company Names on Record
Mailing Address674 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9350
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust, Family Trust

Deeds, Mortgages & Sale History

DateDocument
Apr 6, 2026Deed of Trust, Mortgage · Line of Credit
NAVY FEDERAL CREDIT UNION
Nov 15, 2024Intrafamily Transfer, Transfer
Nov 3, 2020Warranty Deed, Subdivision Related Transfer · VA Mortgage
FBC MORTGAGE LLC
Apr 15, 2020Loan Modification, Mortgage · Conventional Mortgage
AMERIS BK
Apr 15, 2020Grant Deed, Transfer
DF TITLE LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 3, 2020 · Amount on Record
Deed SaleNov 3, 2020 · Amount on Record
Deed Document Number202098700
Deed Book / Page5089 / 71
Last Transfer DateNov 7, 2024
Transfer Doc0060530483
Record UpdatedJun 8, 2026

April 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Recording DateApr 6, 2026
Property Address674 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9350
Document Number0000028833
Book / Page6338 / 129
Instrument DateMar 20, 2026
Instrument202628833
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyWOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust, 221
Address674 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9350

Mortgage

Document Number0000028833,
DateApr 6, 2026
Book Page6338/129
Instrument202628833
Lender
NameNAVY FEDERAL CREDIT UNION
Agreement
TypeLine of Credit
AmountAmount Recorded
Term480 Months
DueApr 1, 2066
Interest
Rate6.01%
Max Rate-1%

November 2024: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionST JOHNS FL
Recording DateNov 15, 2024
Property Address674 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9350
Document Number0060530483
Book / Page6053 / 483
Map ReferenceMB 93 PG 36-44
Instrument DateNov 7, 2024
Instrument2024089613
Transaction TypeTransfer
Record UpdatedOct 23, 2025

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address674 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9350

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust
Address674 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9350

November 2020: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateNov 3, 2020
Property Address674 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9350
Document Number0050890071
Book / Page5089 / 71
Map ReferenceMB 93 PG 36-44
Instrument DateOct 30, 2020
Instrument2020098700
Transaction TypeSubdivision Related Transfer
Record UpdatedAug 31, 2021
Title CompanyGOLDEN DOG TITLE & TRUST

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$3,073.70
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
Address674 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9350

Mortgage

Document Number508973
DateNov 3, 2020
Instrument5089/73
Lender
NameFBC MORTGAGE LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueNov 1, 2050

April 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionST JOHNS FL
Property Address674 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9350
Document Number0049230290
Instrument DateApr 15, 2020
Transaction TypeMortgage
Record UpdatedJun 25, 2020
Title CompanyGOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TR

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
InvestorPossibly a Property Investor

Mortgage

Document Number0049230290
DateApr 15, 2020
Book Page004923/000290
Instrument29253
Lender
NameAMERIS BK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded

April 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionST JOHNS FL
Recording DateApr 15, 2020
Property Address674 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9350
Document Number0049230078
Book / Page004923 / 000078
Instrument DateApr 15, 2020
Instrument29223
Transaction TypeTransfer
Record UpdatedJun 25, 2020
Title CompanyDF TITLE LLC

Transaction

AmountAmount Recorded
Tax$15,693.00
Amount AccuracyConfirmed
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address14701 PHILIPS HWY #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$388,614 (+2.7%)$475,530 (-0.26%) Land $125,000 Building $350,530
2025$4,908.00 (+12.31%) Homeowner's exemption$378,397 (+2.9%)$476,775 (-2.34%) Land $115,000 Building $361,775
2024$4,370.00 (+1.96%) Homeowner's exemption$367,733 (+3%)$488,186 (+4.08%) Land $110,000 Building $378,186
2023$4,286.00 (+2.81%) Homeowner's exemption$357,022 (+3%)$469,062 (+15.84%) Land $106,000 Building $363,062
2022$4,169.00 Homeowner's exemption$346,623$404,927 Land $84,000 Building $320,927

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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