85 Otsego Ln, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 85 Otsego Ln, Saint Augustine, FL 32092 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	5 Beds
Bathrooms	3.5 Baths
Year Built	Built 2025
Square Footage	2,662 sqft Living Area
Lot Size	8,712 sqft (0.2 acres)
Occupancy	Owner Occupied
Last Sale	$556,000 (2026)
Tax Bill	$1,212.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`026941-3400`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Partial Baths	1 Partial Baths
Plumbing Fixtures	15 Plumbing Fixtures
Building Area	2,662 sqft Living Area
Gross Area	3,323 sqft Gross Area
1st Floor	2,294 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Exterior Material	Concrete Exterior
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	8,712 sqft (0.2 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Attached Garage
Garage Area	440 sqft Garage
Porch Area	41 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air with Air Conditioning Heating

Location & Zoning

Street Address	85 OTSEGO LN
City	SAINT AUGUSTINE
State	FL
Zip	32092-1321
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	128/5-12 SILVER FALLS (SILVERLEAF PARCEL 22A) PHASE 1A REPLAT LOT 340 OR6205/1948
Legal Subdivision	SILVER FALLS (SILVERLEAF PARCEL 22A) PHA
Legal Block	1
Legal Lot Number	340
Jurisdiction	ST JOHNS FL
Minor Civil Division	ST. AUGUSTINE
Census Blockgroup	4
Census Block	4006
Census Tract	20908

Owner

Source: St. Johns County records · APN 026941-3400

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 OTSEGO LN, ST AUGUSTINE, FL 32092-1321
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Husband And Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 02, 2026 · Amount on Record
Deed Sale	Apr 02, 2026 · Amount on Record
Deed Doc Number	202628033
Deed Book / Page	6336 / 746
Record Refreshed	Jun 08, 2026

April 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Apr 02, 2026
Property Address	85 OTSEGO LN, SAINT AUGUSTINE, FL 32092-1321
Document Number	0000028033
Book / Page	6336 / 746
Instrument Date	Mar 26, 2026
Instrument	202628033
Transaction Type	Transfer
Record Updated	Apr 16, 2026
Title Company	LENNAR TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$393,092.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 OTSEGO LN, SAINT AUGUSTINE, FL 32092-1321

Mortgage

Document Number	0000028034,
Date	Apr 02, 2026
Instrument	202628034

Lender

Name	LENNAR MORTGAGE LLC

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Initial Type	Adjustable Rate
Adjustable	Document includes a rider for adjustable-rate mortgage with a specific rate change date.
Max Rate	-1%

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 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		$446,142 (+395.71%) Land $100,000 Building $346,142	$446,142 (+395.71%) Land $100,000 Building $346,142
2025	$1,212.00 (+38.2%)	$90,000 (+28.57%)	$90,000 (+28.57%) Land $90,000
2024	$877.00	$70,000	$70,000 Land $70,000

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Moderate above 66% of the US · above 43% of Florida
Wildfire Likelihood	About 1 in 413 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.