St. Johns County property record for 720 Willow Lake Dr, Saint Augustine, FL 32092 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,323 sqft · built 2021 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $423,331 (Feb 2021) |
| Tax Bill | $6,760 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Feb 2021 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 028991-2120 |
| Primary APN | 028991-2120 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 17 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 3,323 sqft Living Area |
| Gross Area | 4,334 sqft |
| 1st Floor Area | 2,792 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| 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 | 10,890 sqft (0.25 acres) |
| Garage Type | Attached |
| Garage Area | 675 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 336 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 720 WILLOW LAKE DR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-9352 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 93/36-44 GRAN LAKE PHASE 2 LOT 212 OR5171/262 |
| Legal Range | 28E |
| Legal Township | 07S |
| Legal Section | 41 |
| Legal Subdivision | GRAN LAKE PHASE 2 |
| Legal Phase | 2 |
| Legal Block | 1 |
| Legal Lot Number | 212 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 20906 |
Source: St. Johns County records · APN 028991-2120
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 | 720 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9352 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 10, 2025 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Feb 04, 2021 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage JET HOMELOANS LLC |
| Dec 15, 2020 | Loan Modification, Mortgage · Line of Credit TEXAS CAP BK |
| Sep 11, 2020 | Loan Modification, Mortgage TEXAS CAP BK |
| Aug 07, 2020 | Grant Deed, Transfer DF TITLE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 04, 2021 · Amount on Record |
| Deed Sale | Feb 04, 2021 · Amount on Record |
| Deed Document Number | 202113010 |
| Deed Book / Page | 5171 / 262 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 720 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9352 |
| Transaction Type | Mortgage |
| Record Updated | Dec 24, 2025 |
| Name | Verified Name |
|---|---|
| Address | 720 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9352 |
| Document Number | 0062701356 |
|---|---|
| Date | Dec 10, 2025 |
| Book Page | 6270/1356 |
| Instrument | 2025100044 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Dec 16, 2065 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Feb 04, 2021 |
| Property Address | 720 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9352 |
| Document Number | 0051710262 |
| Book / Page | 5171 / 262 |
| Map Reference | MB 93 PG 36-44 |
| Instrument Date | Jan 15, 2021 |
| Instrument | 2021013010 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Oct 23, 2025 |
| 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 | $2,963.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14701 PHILIPS HWY STE 300, 300, JACKSONVILLE, FL 32256-3742 |
| Name | Verified Name |
|---|---|
| Address | 720 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9352 |
| Document Number | 0005171264 |
|---|---|
| Date | Feb 04, 2021 |
| Instrument | 5171/264 |
| Name | JET HOMELOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Feb 01, 2036 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 720 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9352 |
| Document Number | 0051281704 |
| Instrument Date | Dec 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 07, 2021 |
| Title Company | ATTORNEY ONLY |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 720 WILLOW LAKE DR ST AUGUSTINE FL 320929352, ST AUGUSTINE, FL 32092-9352 |
| Document Number | 0051281704 |
|---|---|
| Date | Dec 17, 2020 |
| Book Page | 005128/001704 |
| Instrument | 115771 |
| Name | TEXAS CAP BK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 720 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9352 |
| Document Number | 0050411046 |
| Instrument Date | Sep 11, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 360 CORPORATE WAY ORANGE PARK FL 320736290, ORANGE PARK, FL 32073-6290 |
| Investor | Possibly a Property Investor |
| Document Number | 0050411046 |
|---|---|
| Date | Sep 14, 2020 |
| Book Page | 005041/001046 |
| Instrument | 78168 |
| Name | TEXAS CAP BK |
|---|---|
| Type | Bank |
| Address | 2350 LAKESIDE BLVD # 800, RICHARDSON, TX 75082-4340 |
| Amount | Amount Recorded |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Aug 07, 2020 |
| Property Address | 720 WILLOW LAKE DR, SAINT AUGUSTINE, FL 32092-9352 |
| Document Number | 0050111327 |
| Book / Page | 005011 / 001327 |
| Instrument Date | Aug 07, 2020 |
| Instrument | 65773 |
| Transaction Type | Transfer |
| Record Updated | Sep 03, 2020 |
| Title Company | DF TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $8,133.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 14701 PHILIPS HWY #300 JACKSONVILLE FL 322563742, 300, JACKSONVILLE, FL 32256-3742 |
| Investor | Possibly a Property Investor |
Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 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 | $529,802 (+2.7%) | $633,270 (-2.98%) Land $125,000 Building $508,270 | |
| 2025 | $6,760.00 (+11.81%) Homeowner's exemption | $515,873 (+2.9%) | $652,729 (+1.94%) Land $115,000 Building $537,729 |
| 2024 | $6,046.00 (+1.92%) Homeowner's exemption | $501,334 (+3%) | $640,307 (+7.86%) Land $110,000 Building $530,307 |
| 2023 | $5,932.00 (+7.13%) Homeowner's exemption | $486,732 (+7.32%) | $593,635 (+19.23%) Land $106,000 Building $487,635 |
| 2022 | $5,537.00 Homeowner's exemption | $453,526 | $497,892 Land $84,000 Building $413,892 |
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
| 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 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.
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.
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