St. Johns County property record for 89 Ferndale Way, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,875 sqft · built 2020 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $450,000 (May 2022) |
| Tax Bill | $7,499 (2025) |
| Deeds & Mortgages | Apr 2025 Sale May 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 029011-6680 |
| Primary APN | 029011-6680 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,875 sqft Living Area |
| Gross Area | 2,446 sqft |
| 1st Floor Area | 1,875 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,098 sqft (0.14 acres) |
| Garage Type | Attached |
| Garage Area | 429 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 142 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 89 FERNDALE WAY |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-7644 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 92/37-45 WHISPER CREEK PHASE 8 LOT 668 OR5568/1518 & 6133/1397(L/E) |
| Legal Range | 28E |
| Legal Township | 06S |
| Legal Section | 38 |
| Legal Subdivision | WHISPER CREEK PHASE 8 |
| Legal Phase | 8 |
| Legal Block | 1 |
| Legal Lot Number | 668 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 4 |
| Census Block | 4022 |
| Census Tract | 20905 |
Source: St. Johns County records · APN 029011-6680
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 | 89 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7644 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Apr 21, 2025 | Warranty Deed, Transfer ACCOMODATION, ACCOMMODATION |
| May 31, 2022 | Warranty Deed, Transfer · FHA Mortgage RANLIFE HOME LOANS |
| Aug 26, 2020 | Warranty Deed, Subdivision Related Transfer · VA Mortgage JET HOMELOANS LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 31, 2022 · Amount on Record |
| Deed Sale | May 31, 2022 · Amount on Record |
| Prior Sale | Aug 26, 2020 · Amount on Record |
| Deed Document Number | 202254638 |
| Deed Book / Page | 5568 / 1518 |
| Last Transfer Date | Apr 17, 2025 |
| Transfer Doc | 0061331397 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Apr 21, 2025 |
| Property Address | 89 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7644 |
| Document Number | 0061331397 |
| Book / Page | 6133 / 1397 |
| Map Reference | MB 92 PG 37-45 |
| Instrument Date | Apr 17, 2025 |
| Instrument | 2025030353 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2025 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 89 FERNDALE WAY, ST AUGUSTINE, FL 32092-7644 |
| Name | Verified Name |
|---|---|
| Address | 99 BRAMBLE CT, ST AUGUSTINE, FL 32092-3567 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | May 31, 2022 |
| Property Address | 89 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7644 |
| Document Number | 0055681518 |
| Book / Page | 5568 / 1518 |
| Map Reference | MB 92 PG 37-45 |
| Instrument Date | May 27, 2022 |
| Instrument | 2022054638 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2025 |
| Title Company | AMERICAS CHOICE TITLE COMPANY, AMERICAS CHOICE TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,150.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2019 SEQUOIA DR, AUBURN, AL 36879-5428 |
| Name | Verified Name |
|---|---|
| Address | 89 FERNDALE WAY, ST AUGUSTINE, FL 32092-7644 |
| Document Number | 0055681520 |
|---|---|
| Date | May 31, 2022 |
| Instrument | 5568/1520 |
| Name | RANLIFE HOME LOANS |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Aug 26, 2020 |
| Property Address | 89 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7644 |
| Document Number | 0050251409 |
| Book / Page | 5025 / 1409 |
| Map Reference | MB 92 PG 37-45 |
| Instrument Date | Aug 20, 2020 |
| Instrument | 2020071693 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 31, 2021 |
| Title Company | GOLDEN DOG TITLE AND TRUST |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,914.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14701 PHILIPS HWY STE 300, 14701, JACKSONVILLE, FL 32256-3742 |
| Name | Verified Name |
|---|---|
| Address | 89 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7644 |
| Document Number | 50251411 |
|---|---|
| Date | Aug 26, 2020 |
| Instrument | 5025/1411 |
| Name | JET HOMELOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2050 |
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 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 | $344,108 (-3.57%) Land $90,000 Building $254,108 | $344,108 (-3.57%) Land $90,000 Building $254,108 | |
| 2025 | $7,499.00 (+1.39%) | $356,830 (-6.43%) | $356,830 (-6.43%) Land $95,000 Building $261,830 |
| 2024 | $7,396.00 (+4.24%) | $381,333 (+7.7%) | $381,333 (+7.7%) Land $100,000 Building $281,333 |
| 2023 | $7,095.00 (+35.43%) | $354,083 (+43.42%) | $354,083 (+9.58%) Land $84,000 Building $270,083 |
| 2022 | $5,239.00 Homeowner's exemption | $246,884 | $323,133 Land $84,000 Building $239,133 |
Source: FEMA National Flood Hazard Layer as of September 15, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 79 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 79 in force |
| Nearby Flood Claims | 1 (2017) |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
| Wildfire Risk | Moderate above 40% of the US · lower than 87% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable · Fiber in parts of the area | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 356 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SJCU-NORTHWEST UTILITIES WTP serves 48,040 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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