844 Wards Creek Ln, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 844 Wards Creek Ln, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,856 sqft · built 2012
Lot Size	0.21 acres (9,147 sqft)
Owner	Individual Name on Record
Last Sale	$232,000 (Aug 2017)
Tax Bill	$5,063 (2025)
Deeds & Mortgages	Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`288108-4470`

Property Details

APN / Parcel Number

Primary APN	`288108-4470`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 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

Exterior

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	9,147 sqft (0.21 acres)
Garage Type	Attached
Garage Area	414 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	165 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	844 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 447 OR4418/623
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	447
Legal Unit	4
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1004
Census Tract	20905

Owner

Source: St. Johns County records, as of April 13, 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 Record
Mailing Address	844 WARDS CREEK LN, SAINT AUGUSTINE, FL 32092-2811
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 9, 2017 · Amount on Record
Deed Sale	Aug 9, 2017 · Amount on Record
Prior Sale	Jul 9, 2012 · Amount on Record
Deed Document Number	201754975
Deed Book / Page	4418 / 623
Record Updated	Oct 29, 2026

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Aug 9, 2017
Property Address	844 WARDS CREEK LN, SAINT AUGUSTINE, FL 32092-2811
Document Number	0044180623
Book / Page	004418 / 000623
Instrument Date	Aug 4, 2017
Instrument	54975
Transaction Type	Transfer
Record Updated	Aug 25, 2017
Title Company	GIBRALTAR TITLE COMPANY, GIBRALTAR TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,624.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	844 WARDS CREEK LN ST AUGUSTINE FL 320922811, ST AUGUSTINE, FL 32092-2811

Mortgage

Document Number	44180625
Date	Aug 9, 2017
Book Page	004418/000625
Instrument	54976

Lender

Name	SMARTMORTGAGE.COM
Type	Mortgage Company
Address	CHESTERFIELD, MO 63005

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 8, 2047

Tax Assessment & Valuation

Source: St. Johns County assessment roll, as of April 13, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$219,002 (+2.7%)	$324,697 (+0.14%) Land $85,000 Building $239,697
2025	$5,063.00 (+9.16%) Homeowner's exemption	$213,244 (+5.99%)	$324,235 (-4.27%) Land $90,000 Building $234,235
2024	$4,638.00 (+2%)
2023	$4,547.00 (+2.97%) Homeowner's exemption	$201,198 (+3%)	$338,680 (+7.78%) Land $100,000 Building $238,680
2022	$4,416.00 Homeowner's exemption	$195,338	$314,219 Land $75,040 Building $239,179

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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.

Wildfire

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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