St. Johns County property record for 85 Oak Cluster Ln, Saint Augustine, FL 32092 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3.5 Baths |
| Year Built | Built 2023 |
| Square Footage | 3,211 sqft Living Area |
| Lot Size | 14,374 sqft (0.33 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $844,300 (2023) |
| Tax Bill | $12,044.00 (2025) |
| Primary APN | 029011-8460 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Partial Baths | 1 Partial Baths |
| Plumbing Fixtures | 16 Plumbing Fixtures |
| Building Area | 3,211 sqft Living Area |
| Gross Area | 3,855 sqft Gross Area |
| 1st Floor | 2,469 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Concrete Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 14,374 sqft (0.33 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 644 sqft Garage |
| Porch Area | 166 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Street Address | 85 OAK CLUSTER LN |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-0114 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 107/24-37 WHISPER CREEK PHASE 6 LOT 846 OR5713/1355 |
| Legal Range | 28 |
| Legal Township | 06 |
| Legal Section | 38 |
| Legal Subdivision | WHISPER CREEK PHASE 6 |
| Legal Phase | 6 |
| Legal Block | 1 |
| Legal Lot Number | 846 |
| Jurisdiction | ST JOHNS FL |
| Minor Civil Division | ST. AUGUSTINE |
| Census Blockgroup | 2 |
| Census Block | 2005 |
| Census Tract | 20905 |
Source: St. Johns County records · APN 029011-8460
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 | 85 OAK CLUSTER LN, SAINT AUGUSTINE, FL 32092-0114 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Feb 24, 2023 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage AMERIS BANK |
| Feb 16, 2022 | Special Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 24, 2023 · Amount on Record |
| Deed Sale | Feb 24, 2023 · Amount on Record |
| Deed Doc Number | 202314259 |
| Deed Book / Page | 5713 / 1355 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Feb 24, 2023 |
| Property Address | 85 OAK CLUSTER LN, SAINT AUGUSTINE, FL 32092-0114 |
| Document Number | 0057131355 |
| Book / Page | 5713 / 1355 |
| Map Reference | MB 107 PG 24-37 |
| Instrument Date | Feb 23, 2023 |
| Instrument | 2023014259 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 12, 2024 |
| Title Company | SEA GLASS TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,910.10 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 200 BUSINESS PARK CIR # CIR105, CIR105, ST AUGUSTINE, FL 32095-8822 |
| Name | Verified Name |
|---|---|
| Address | 85 OAK CLUSTER LN, ST AUGUSTINE, FL 32092-0114 |
| Investor | Possibly a Property Investor |
| Document Number | 0057131357 |
|---|---|
| Date | Feb 24, 2023 |
| Instrument | 5713/1357 |
| Name | AMERIS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2053 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Feb 16, 2022 |
| Property Address | 85 OAK CLUSTER LN, SAINT AUGUSTINE, FL 32092-0114 |
| Document Number | 0054941504 |
| Book / Page | 5494 / 1504 |
| Map Reference | MB 107 PG 24-37 |
| Instrument Date | Feb 16, 2022 |
| Instrument | 2022017421 |
| Transaction Type | Transfer |
| Record Updated | Feb 12, 2024 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,736.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7807 BAYMEADOWS RD E # E205, E205, JACKSONVILLE, FL 32256-9664 |
| Name | Verified Name |
|---|---|
| Address | 200 BUSINESS PARK CIR STE 105, 105, ST AUGUSTINE, FL 32095-8824 |
| 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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $630,018 (-1.69%) Land $160,000 Building $470,018 | $630,018 (-1.69%) Land $160,000 Building $470,018 | |
| 2025 | $12,044.00 (+5.68%) Homeowner's exemption | $640,850 (-0.01%) | $640,850 (-0.01%) Land $155,000 Building $485,850 |
| 2024 | $11,397.00 (+122.47%) Homeowner's exemption | $640,902 (+534.56%) | $640,902 (+534.56%) Land $130,000 Building $510,902 |
| 2023 | $5,123.00 (-3.47%) | $101,000 (-24.85%) | $101,000 (-24.85%) Land $101,000 |
| 2022 | $5,307.00 | $134,400 | $134,400 Land $134,400 |
Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Moderate above 49% of the US · above 19% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 1,136 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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