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685 Cedar Preserve Ln, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 685 Cedar Preserve Ln, Saint Augustine, FL 32095

Property Summary

Property TypeSingle Family Home
Details4 bd · 4 ba · 2,978 sqft · built 2023
Lot Size0.48 acres (20,908 sqft)
Owner2 Individual Names on File
Last Sale$601,300 (Dec 2023)
Tax Bill$10,396 (2025)
Deeds & MortgagesDec 2023 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN027018-2810

Property Details

APN / Parcel Number

Primary APN027018-2810

Interior

Bedrooms4 Beds
Full Baths4 Baths
Plumbing Fixtures16 Plumbing Fixtures
Stories1 Story
Building Area2,978 sqft Living Area
Gross Area3,418 sqft
1st Floor Area2,039 sqft
FlooringCarpet

Exterior

Year BuiltBuilt 2023
Effective Year BuiltEffective 2023
Exterior MaterialConcrete
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area20,908 sqft (0.48 acres)
Garage TypeAttached
Garage Area440 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Open Porch
Porch Area322 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address685 CEDAR PRESERVE LN
CitySAINT AUGUSTINE
StateFL
Zip32095-0104
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description119/1-10 PRESERVE AT BANNON LAKES PHASE 2D LOT 281 OR5867/1298
Legal SubdivisionPRESERVE AT BANNON LAKES PHASE 2D
Legal Block1
Legal Lot Number281
JurisdictionST JOHNS FL
Township / Civil DivisionST. AUGUSTINE
Census Block Group2
Census Block2042
Census Tract20904

Owner

Source: St. Johns County assessment roll, 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 File
Mailing Address685 CEDAR PRESERVE LN, SAINT AUGUSTINE, FL 32095-0104
OccupancyOwner Occupied
Owner TypeIndividual
VestingMarried Couple

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 6, 2023 · Amount on Record
Deed SaleDec 6, 2023 · Amount on Record
Deed Document Number202395146
Deed Book / Page5867 / 1298
Record UpdatedJun 8, 2026

December 2023: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateDec 6, 2023
Property Address685 CEDAR PRESERVE LN, SAINT AUGUSTINE, FL 32095-0104
Document Number0058671298
Book / Page5867 / 1298
Map ReferenceMB 119 PG 1-10
Instrument DateDec 4, 2023
Instrument2023095146
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 12, 2024
Title CompanyCLOSING USA LLC, CLOSING BEAR LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$4,209.10
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address685 CEDAR PRESERVE LN, SAINT AUGUSTINE, FL 32095-0104

Transferred To (Grantee/Buyer)

NameVerified Name
Address685 CEDAR PRESERVE LN, SAINT AUGUSTINE, FL 32095-0104

Mortgage

Document Number0058671300
DateDec 6, 2023
Instrument5867/1300
Lender
NameNAVY FCU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 1, 2054
Interest
Rate TypeAdjustable Rate
Rate5.62%
Type Change DateJan 1, 2029
Change Frequency5 Years
Min Rate At Change3.62%
Max Rate At Change7.62%
Index5-Year TN
Margin2
Max Rate10.6%

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$601,708 (+7.55%) Land $125,000 Building $476,708$601,708 (+7.11%) Land $125,000 Building $476,708
2025$10,396.00 (+9.95%) Homeowner's exemption$559,476 (+2.9%)$561,780 (+3.32%) Land $125,000 Building $436,780
2024$9,455.00 Homeowner's exemption$543,708$543,708 Land $125,000 Building $418,708

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
Nearest Special Flood Hazard AreaZone A, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 206 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies206 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 RiskHigh
above 73% of the US · above 58% of Florida
Wildfire Likelihood0.3% 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 87 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Xfinity
Fiber		2,000 / 2,000
Verizon
Fixed Wireless		300 / 20

May also be available: T-Mobile.

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