St. Johns County property record for 685 Watervale Dr, Saint Augustine, FL 32092 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,450 sqft · built 2021 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $595,900 (Dec 2025) |
| Tax Bill | $6,679 (2025) |
| Deeds & Mortgages | Mar 2023 Line of Credit Dec 2025 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 026552-0630 |
| Primary APN | 026552-0630 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,450 sqft Living Area |
| Gross Area | 3,017 sqft |
| 1st Floor Area | 1,206 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| 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 Screened Porch |
| Porch Area | 150 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 685 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 63 OR6273/1971 & 6274/553 |
| Legal Range | 28E |
| Legal Township | 05S |
| Legal Section | 30 |
| Legal Subdivision | HOLLY FOREST |
| Legal Block | 1 |
| Legal Lot Number | 63 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 20907 |
Source: St. Johns County records · APN 026552-0630
Assessment roll updated April 13, 2026 · Last verified July 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 | 685 WATERVALE DR, SAINT AUGUSTINE, FL 32092-1770 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Mar 21, 2023 | Deed of Trust, Mortgage · Line of Credit TD BANK NA |
| Dec 16, 2025 | Warranty Deed, Transfer CAPSTONE TITLE LLC, COAST ONE TITLE LLC |
| Dec 16, 2025 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Oct 05, 2021 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage JET HOMELOANS LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 16, 2025 · Amount on Record |
| Deed Sale | Dec 16, 2025 · Amount on Record |
| Prior Sale | Oct 05, 2021 · Amount on Record |
| Deed Document Number | 2025101792 |
| Deed Book / Page | 6273 / 1971 |
| Prior Transfer Date | Dec 15, 2025 |
| Prior Transfer Doc | 0062740553 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 685 WATERVALE DR, SAINT AUGUSTINE, FL 32092-1770 |
| Transaction Type | Mortgage |
| Record Updated | Dec 26, 2025 |
| Name | Verified Name |
|---|---|
| Address | 685 WATERVALE DR, ST AUGUSTINE, FL 32092-1770 |
| Document Number | 0057260889 |
|---|---|
| Date | Mar 21, 2023 |
| Book Page | 5726/889 |
| Instrument | 2023020698 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19808 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 08, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Dec 16, 2025 |
| Property Address | 685 WATERVALE DR, SAINT AUGUSTINE, FL 32092-1770 |
| Document Number | 0062740553 |
| Book / Page | 6274 / 553 |
| Map Reference | MB 6087 PG 256 |
| Instrument Date | Dec 15, 2025 |
| Instrument | 2025101933 |
| Transaction Type | Transfer |
| Record Updated | Dec 31, 2025 |
| Title Company | CAPSTONE TITLE LLC, COAST ONE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $4,171.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 13051 GRAN BAY PKWY UNIT 2119, 2119, JACKSONVILLE, FL 32258-6516 |
| Name | Verified Name |
|---|---|
| Address | 685 WATERVALE DR, ST AUGUSTINE, FL 32092-1770 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Dec 16, 2025 |
| Property Address | 685 WATERVALE DR, SAINT AUGUSTINE, FL 32092-1770 |
| Document Number | 0062731971 |
| Book / Page | 6273 / 1971 |
| Map Reference | MB 100 PG 48-61 |
| Instrument Date | Dec 15, 2025 |
| Instrument | 2025101792 |
| Transaction Type | Transfer |
| Record Updated | Dec 26, 2025 |
| Title Company | CAPSTONE TITLE LLC, COAST ONE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,171.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 13051 GRAN BAY PKWY UNIT 2119, 2119, JACKSONVILLE, FL 32258-6516 |
| Name | Verified Name |
|---|---|
| Address | 685 WATERVALE DR, ST AUGUSTINE, FL 32092-1770 |
| Document Number | 0062731973 |
|---|---|
| Date | Dec 16, 2025 |
| Instrument | 6273/1973 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Oct 05, 2021 |
| Property Address | 685 WATERVALE DR, SAINT AUGUSTINE, FL 32092-1770 |
| Document Number | 0053860360 |
| Book / Page | 5386 / 360 |
| Map Reference | MB 100 PG 48-61 |
| Instrument Date | Sep 30, 2021 |
| Instrument | 2021108501 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | May 23, 2023 |
| Title Company | GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TRUST |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,293.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14701 PHILIPS HWY STE 300, 300, JACKSONVILLE, FL 32256-3742 |
| Name | Verified Name |
|---|---|
| Address | 685 WATERVALE DR, SAINT AUGUSTINE, FL 32092-1770 |
| Document Number | 0005386362 |
|---|---|
| Date | Oct 05, 2021 |
| Instrument | 5386/362 |
| Name | JET HOMELOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2051 |
Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
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 | $504,667 (-1.03%) Land $110,000 Building $394,667 | $504,667 (-3.43%) Land $110,000 Building $394,667 | |
| 2025 | $6,679.00 (+11.82%) Homeowner's exemption | $509,902 (+2.9%) | $522,570 (+0.38%) Land $110,000 Building $412,570 |
| 2024 | $5,973.00 (+1.91%) Homeowner's exemption | $495,532 (+3%) | $520,608 (+6.22%) Land $110,000 Building $410,608 |
| 2023 | $5,861.00 (+25.99%) Homeowner's exemption | $481,099 (+25.16%) | $490,129 (+27.51%) Land $95,000 Building $395,129 |
| 2022 | $4,652.00 Homeowner's exemption | $384,377 | $384,377 Land $89,600 Building $294,777 |
Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090209071, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 81 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 81 in force 69 of 81 on primary residences |
| Wildfire Risk | Moderate above 62% of the US · above 37% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 694 per year |
| 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.
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