St. Johns County property record for 832 Wards Creek Ln, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,754 sqft · built 2012 |
| Lot Size | 0.18 acres (7,840 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $510,000 (Jun 2022) |
| Tax Bill | $2,713 (2025) |
| Deeds & Mortgages | Jun 2022 Sale & Mortgage Feb 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 288108-4500 |
| Primary APN | 288108-4500 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,754 sqft Living Area |
| Gross Area | 3,370 sqft |
| 1st Floor Area | 2,304 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,840 sqft (0.18 acres) |
| Garage Type | Attached |
| Garage Area | 616 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 168 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 832 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 450 OR5584/1599 |
| 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 | 450 |
| Legal Unit | 4 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 20905 |
Source: St. Johns County records, as of July 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 832 WARDS CREEK LN, SAINT AUGUSTINE, FL 32092-2811 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jun 23, 2022 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Feb 28, 2017 | Deed of Trust, Mortgage · VA Mortgage PEOPLES BANK |
| Apr 27, 2020 | Deed of Trust, Mortgage · VA Mortgage RIVER CITY MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 23, 2022 · Amount on Record |
| Deed Sale | Jun 23, 2022 · Amount on Record |
| Prior Sale | Jun 23, 2014 · Amount on Record |
| Deed Document Number | 202262667 |
| Deed Book / Page | 5584 / 1599 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jun 23, 2022 |
| Property Address | 832 WARDS CREEK LN, SAINT AUGUSTINE, FL 32092-2811 |
| Document Number | 0055841599 |
| Book / Page | 5584 / 1599 |
| Map Reference | MB 57 PG 73-81 |
| Instrument Date | Jun 21, 2022 |
| Instrument | 2022062667 |
| Transaction Type | Transfer |
| Record Updated | Jul 11, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,570.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1007 GOTWALT DR, 1007, OVIEDO, FL 32765-7089 |
| Name | Verified Name |
|---|---|
| Address | 832 WARDS CREEK LN, ST AUGUSTINE, FL 32092-2811 |
| Document Number | 0055841601 |
|---|---|
| Date | Jun 23, 2022 |
| Instrument | 5584/1601 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 832 WARDS CREEK LN, SAINT AUGUSTINE, FL 32092-2811 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0043370105 |
|---|---|
| Date | Feb 28, 2017 |
| Book Page | 4337/0105 |
| Instrument | 2017014187 |
| Name | PEOPLES BANK |
|---|---|
| Type | Bank |
| Address | OVERLAND PARK, KS 66213 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 832 WARDS CREEK LN, SAINT AUGUSTINE, FL 32092-2811 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0049300794 |
|---|---|
| Date | Apr 27, 2020 |
| Book Page | 4930/794 |
| Instrument | 2020032156 |
| Name | RIVER CITY MORTGAGE LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | CINCINNATI, OH 45212 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2050 |
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 | $421,092 (-2.33%) Land $85,000 Building $336,092 | $421,092 (-2.33%) Land $85,000 Building $336,092 | |
| 2025 | $2,713.00 (+7.06%) Disabled Person's exemption Veteran's exemption | $431,141 (-3.77%) | $431,141 (-3.77%) Land $90,000 Building $341,141 |
| 2024 | $2,534.00 (+1.64%) | ||
| 2023 | $2,493.00 (-49.7%) Disabled Person's exemption Veteran's exemption | $448,021 (+88.62%) | $448,021 (+5.71%) Land $100,000 Building $348,021 |
| 2022 | $4,956.00 Homeowner's exemption | $237,523 | $423,802 Land $75,040 Building $348,762 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect within ember reach |
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures