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

St. Johns County property record for 686 Willow Lake Dr, Saint Augustine, FL 32092 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,128 sqft · built 2020
Lot Size	0.18 acres (7,840 sqft)
Owner	2 Individual Names on File
Last Sale	$452,952 (Jun 2020)
Tax Bill	$5,341 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage Jan 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`028991-2090`

Property Details

APN / Parcel Number

Primary APN	`028991-2090`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Plumbing Fixtures	17 Plumbing Fixtures
Stories	1 Story
Building Area	3,128 sqft Living Area
Gross Area	4,081 sqft
1st Floor Area	2,568 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,840 sqft (0.18 acres)
Garage Type	Attached
Garage Area	596 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	357 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	686 WILLOW LAKE DR
City	SAINT AUGUSTINE
State	FL
Zip	32092-9350
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	93/36-44 GRAN LAKE PHASE 2 LOT 209 OR4953/1914
Legal Range	28E
Legal Township	07S
Legal Section	41
Legal Subdivision	GRAN LAKE PHASE 2
Legal Phase	2
Legal Block	1
Legal Lot Number	209
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1000
Census Tract	20906

Owner

Source: St. Johns County records · APN 028991-2090

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	686 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9350
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 01, 2020	Grant Deed, Subdivision Related Transfer · Conventional with PMI NAVY FCU
Jan 17, 2020	Grant Deed, Transfer DF TITLE LLC
Jan 16, 2020	Loan Modification, Mortgage · Line of Credit AMERIS BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 01, 2020 · Amount on Record
Deed Sale	Jun 01, 2020 · Amount on Record
Deed Document Number	202041809
Deed Book / Page	4953 / 1914
Record Updated	Jun 08, 2026

June 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jun 01, 2020
Property Address	686 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9350
Document Number	0049531914
Book / Page	004953 / 001914
Instrument Date	May 29, 2020
Instrument	41809
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 17, 2020
Title Company	GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TR

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,171.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	686 WILLOW LAKE DR ST AUGUSTINE FL 320929350, ST AUGUSTINE, FL 32092-9350

Mortgage

Document Number	49531916
Date	Jun 01, 2020
Book Page	004953/001916
Instrument	41810

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 31, 2050

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jan 17, 2020
Property Address	686 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9350
Document Number	0048671549
Book / Page	004867 / 001549
Instrument Date	Jan 16, 2020
Instrument	4178
Transaction Type	Transfer
Record Updated	Feb 03, 2020
Title Company	DF TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$2,257.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	14701 PHILIPS HWY #300 JACKSONVILLE FL 322563742, 300, JACKSONVILLE, FL 32256-3742
Investor	Possibly a Property Investor

January 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST JOHNS FL
Property Address	686 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9350
Document Number	0048671677
Instrument Date	Jan 16, 2020
Transaction Type	Mortgage
Record Updated	Feb 06, 2020
Title Company	GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TR

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	84 CYPRESS BANKS DR ST JOHNS FL 322598257, ST JOHNS, FL 32259-8257
Investor	Possibly a Property Investor

Mortgage

Document Number	0048671677
Date	Jan 17, 2020
Book Page	004867/001677
Instrument	4197

Lender

Name	AMERIS BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$421,610 (+2.7%)	$543,964 (-2.17%) Land $125,000 Building $418,964
2025	$5,341.00 (+12.16%) Homeowner's exemption	$410,526 (+2.9%)	$556,045 (-2.4%) Land $115,000 Building $441,045
2024	$4,762.00 (+1.95%) Homeowner's exemption	$398,956 (+3%)	$569,718 (+4.09%) Land $110,000 Building $459,718
2023	$4,671.00 (+2.77%) Homeowner's exemption	$387,336 (+3%)	$547,308 (+15.75%) Land $106,000 Building $441,308
2022	$4,545.00 Homeowner's exemption	$376,054	$472,822 Land $84,000 Building $388,822

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090209061, refreshed September 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
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 62 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	62 in force

Wildfire

Wildfire Risk	Moderate above 59% of the US · above 31% of Florida
Wildfire Likelihood	About 1 in 752 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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, availability as of December 31, 2025 · Published October 2026 · based on 245 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Xfinity	Fiber	2,000 / 250
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Xfinity. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

Nearby Properties on Willow Lake Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures