St. Johns County property record for 804 Wards Creek Ln, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,856 sqft · built 2012 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $255,000 (Apr 2020) |
| Tax Bill | $4,568 (2025) |
| Deeds & Mortgages | Nov 2025 Second Mortgage Apr 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 288108-4570 |
| Primary APN | 288108-4570 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,856 sqft Living Area |
| Gross Area | 2,270 sqft |
| 1st Floor Area | 1,856 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Stone |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.17 acres) |
| Garage Type | Attached |
| Garage Area | 414 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 165 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 804 WARDS CREEK LN |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-2811 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 57/73-81 SAINT JOHNS SIX MILE CREEK WEST UNIT 4 LOT 457 OR4915/1844 |
| Legal Range | 28E |
| Legal Township | 06S |
| Legal Section | 38 |
| Legal Subdivision | SAINT JOHNS SIX MILE CREEK WEST UNIT 4 |
| Legal Block | 1 |
| Legal Lot Number | 457 |
| Legal Unit | 4 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 20905 |
804 Wards Creek Ln is owned and occupied by two individuals who bought it in April 2020.
Source: St. Johns County records, as of April 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 804 WARDS CREEK LN, SAINT AUGUSTINE, FL 32092-2811 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 18, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMMUNITY FIRST CREDIT UNION OF FLORIDA |
| Apr 3, 2020 | Warranty Deed, Transfer · Conventional Mortgage SWBC MORTGAGE CORP |
| Oct 30, 2017 | Warranty Deed, Transfer · VA Mortgage CALIBER HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 3, 2020 · Amount on File |
| Deed Sale | Apr 3, 2020 · Amount on File |
| Prior Sale | Oct 30, 2017 · Amount on File |
| Deed Document Number | 202026526 |
| Deed Book / Page | 4915 / 1844 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 804 WARDS CREEK LN, SAINT AUGUSTINE, FL 32092-2811 |
| Transaction Type | Mortgage |
| Record Updated | Dec 2, 2025 |
| Name | Verified Name |
|---|---|
| Address | 804 WARDS CREEK LN, SAINT AUGUSTINE, FL 32092-2811 |
| Document Number | 0062580888 |
|---|---|
| Date | Nov 18, 2025 |
| Book Page | 6258/888 |
| Instrument | 2025093840 |
| Name | COMMUNITY FIRST CREDIT UNION OF FLORIDA |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32204 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Nov 7, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Apr 3, 2020 |
| Property Address | 804 WARDS CREEK LN, SAINT AUGUSTINE, FL 32092-2811 |
| Document Number | 0049151844 |
| Book / Page | 4915 / 1844 |
| Map Reference | MB 57 PG 73-81 |
| Instrument Date | Mar 27, 2020 |
| Instrument | 2020026526 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2021 |
| Title Company | US PATRIOT TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,785.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 804 WARDS CREEK LN, 804, SAINT AUGUSTINE, FL 32092-2811 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 804 WARDS CREEK LN, SAINT AUGUSTINE, FL 32092-2811 |
| Document Number | 49151846 |
|---|---|
| Date | Apr 3, 2020 |
| Instrument | 4915/1846 |
| Name | SWBC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Oct 30, 2017 |
| Property Address | 804 WARDS CREEK LN, SAINT AUGUSTINE, FL 32092-2811 |
| Document Number | 0044550679 |
| Book / Page | 004455 / 000679 |
| Instrument Date | Oct 26, 2017 |
| Instrument | 73358 |
| Transaction Type | Transfer |
| Record Updated | Nov 13, 2017 |
| Title Company | ACTION TITLE AGENCY INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,610.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 804 WARDS CREEK LN ST AUGUSTINE FL 320922811, ST AUGUSTINE, FL 32092-2811 |
| Document Number | 44550681 |
|---|---|
| Date | Oct 30, 2017 |
| Book Page | 004455/000681 |
| Instrument | 73359 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 29, 2047 |
The 2025 property tax bill for 804 Wards Creek Ln was $4,568 with a homeowner's exemption, up 9% from the year before.
Source: St. Johns County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $181,194 (+2.7%) | $325,173 (-1.58%) Land $85,000 Building $240,173 | |
| 2025 | $4,568.00 (+9.05%) Homeowner's exemption | $176,430 (+2.9%) | $330,399 (-3.49%) Land $90,000 Building $240,399 |
| 2024 | $4,189.00 (+2.02%) Homeowner's exemption | $171,458 (+3%) | $342,341 (-0.75%) Land $100,000 Building $242,341 |
| 2023 | $4,106.00 (+3.06%) Homeowner's exemption | $166,464 (+3%) | $344,920 (+7.63%) Land $100,000 Building $244,920 |
| 2022 | $3,984.00 Homeowner's exemption | $161,616 | $320,479 Land $75,040 Building $245,439 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 804 Wards Creek Ln in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 15, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 84 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 84 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 risk around 804 Wards Creek Ln is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SJCU-NORTHWEST UTILITIES WTP serves 48,040 people · EPA ID FL2554471 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Also Mapped Here | SJCU-CR214 MAINLAND WTP |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 239 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| AT&T Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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