81 Cedarstone Way, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 81 Cedarstone Way, Saint Augustine, FL 32092 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,369 sqft · built 2019
Lot Size	0.32 acres (13,939 sqft)
Owner	Individual Name on File
Last Sale	$324,040 (Oct 2019)
Tax Bill	$4,759 (2025)
Deeds & Mortgages	Nov 2023 Second Mortgage Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`029011-2100`

Property Details

APN / Parcel Number

Primary APN	`029011-2100`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	2,369 sqft Living Area
Gross Area	3,084 sqft
1st Floor Area	2,369 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,939 sqft (0.32 acres)
Garage Type	Attached
Garage Area	580 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	225 sqft
Patio Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	81 CEDARSTONE WAY
City	SAINT AUGUSTINE
State	FL
Zip	32092-0005
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	82/1-7 WHISPER CREEK PHASE 4 UNIT C LOT 210 OR4805/1452
Legal Range	28E
Legal Township	06S
Legal Section	38
Legal Subdivision	WHISPER CREEK PHASE 4 UNIT C
Legal Phase	4
Legal Block	1
Legal Lot Number	210
Legal Unit	C
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	4
Census Block	4019
Census Tract	20905

Owner

Source: St. Johns County records · APN 029011-2100

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	Individual Name on File
Mailing Address	81 CEDARSTONE WAY, SAINT AUGUSTINE, FL 32092-0005
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 28, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Oct 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Oct 02, 2019	Warranty Deed, Subdivision Related Transfer · FHA Mortgage DHI MORTGAGE COMPANY LTD
Apr 05, 2018	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 02, 2019 · Amount on Record
Deed Sale	Oct 02, 2019 · Amount on Record
Prior Sale	Apr 05, 2018 · Amount on Record
Deed Document Number	201973092
Deed Book / Page	4805 / 1452
Record Updated	Jun 08, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	81 CEDARSTONE WAY, SAINT AUGUSTINE, FL 32092-0005
Transaction Type	Mortgage
Record Updated	Dec 08, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 CEDARSTONE WAY, SAINT AUGUSTINE, FL 32092-0005

Mortgage

Document Number	0058620511
Date	Nov 28, 2023
Book Page	5862/511
Instrument	2023092344

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Dec 01, 2043

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	81 CEDARSTONE WAY, SAINT AUGUSTINE, FL 32092-0005
Transaction Type	Mortgage
Record Updated	Aug 02, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 CEDARSTONE WAY, SAINT AUGUSTINE, FL 32092-0005

Mortgage

Document Number	0053981833
Date	Oct 20, 2021
Book Page	5398/1833
Instrument	2021114455

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2051

October 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Oct 02, 2019
Property Address	81 CEDARSTONE WAY, SAINT AUGUSTINE, FL 32092-0005
Document Number	0048051452
Book / Page	4805 / 1452
Map Reference	MB 82 PG 1-7
Instrument Date	Sep 30, 2019
Instrument	2019073092
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 02, 2022
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,268.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4220 RACE TRACK RD # RD100, 4220, SAINT JOHNS, FL 32259-2084

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 CEDARSTONE WAY, SAINT AUGUSTINE, FL 32092-0005

Mortgage

Document Number	0048051453
Date	Oct 02, 2019
Instrument	4805/1453

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 01, 2049

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST JOHNS FL
Recording Date	Apr 05, 2018
Property Address	81 CEDARSTONE WAY, SAINT AUGUSTINE, FL 32092-0005
Document Number	0045270314
Book / Page	004527 / 000314
Instrument Date	Apr 05, 2018
Instrument	22695
Transaction Type	Transfer
Record Updated	Apr 17, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$4,993.81
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4220 RACE TRACK RD ST JOHNS FL 322592084, ST JOHNS, FL 32259-2084
Investor	Possibly a Property Investor

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		$227,184 (+2.7%)	$442,459 (+4.6%) Land $100,000 Building $342,459
2025	$4,759.00 (+7.62%) Homeowner's exemption	$221,211 (+5.99%)	$423,007 (+10.49%) Land $100,000 Building $323,007
2024	$4,422.00 (+1.47%)
2023	$4,358.00 (+1.8%) Homeowner's exemption	$208,716 (+3%)	$382,840 (+6.04%) Land $84,000 Building $298,840
2022	$4,281.00 Homeowner's exemption	$202,637	$361,033 Land $84,000 Building $277,033

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 121090209054, 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 79 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	79 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017, tidal / storm surge, Hurricane Irma

Wildfire

Wildfire Risk	Low above 37% of the US · above 11% of Florida
Wildfire Likelihood	About 1 in 1,429 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 235 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 / 2,000
Verizon	Fixed Wireless	300 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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