89 Onda Ln, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 89 Onda Ln, Saint Augustine, FL 32095

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,080 sqft · built 2016
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on File
Last Sale	$281,000 (Jan 2017)
Tax Bill	$7,967 (2025)
Deeds & Mortgages	Apr 2024 Second Mortgage Mar 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`072152-1080`

Property Details

APN / Parcel Number

Primary APN	`072152-1080`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	2,080 sqft Living Area
Gross Area	2,738 sqft
1st Floor Area	2,080 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	498 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	89 ONDA LN
City	SAINT AUGUSTINE
State	FL
Zip	32095-4851
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	73/89-97 PALENCIA NORTH PHASE II D LOT 108 OR4314/1596
Legal Range	29E
Legal Township	05S
Legal Section	61
Legal Subdivision	PALENCIA NORTH PHASE II D
Legal Phase	2
Legal Block	1
Legal Lot Number	108
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	3
Census Block	3001
Census Tract	20606

Owner

Source: St. Johns County assessment roll, 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 File
Mailing Address	89 ONDA LN, SAINT AUGUSTINE, FL 32095-4851
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Mar 28, 2022	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Aug 28, 2017	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Oct 28, 2019	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Aug 10, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jan 10, 2017	Special Warranty Deed, Subdivision Related Transfer · VA Mortgage UNIVERSAL AMERICAN MORTGAGE CO

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 10, 2017 · Amount on Record
Deed Sale	Jan 10, 2017 · Amount on Record
Deed Document Number	20172065
Deed Book / Page	4314 / 1596
Record Updated	Jun 8, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	89 ONDA LN, SAINT AUGUSTINE, FL 32095-4851
Transaction Type	Mortgage
Record Updated	May 7, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	89 ONDA LN, SAINT AUGUSTINE, FL 32095-4851

Mortgage

Document Number	0059361662
Date	Apr 24, 2024
Book Page	5936/1662
Instrument	2024030744

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2044

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	89 ONDA LN, SAINT AUGUSTINE, FL 32095-4851
Transaction Type	Mortgage
Record Updated	May 23, 2023
Title Company	TRANSTAR NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	89 ONDA LN, SAINT AUGUSTINE, FL 32095-4851

Mortgage

Document Number	0055250085
Date	Mar 28, 2022
Book Page	5525/85
Instrument	2022032449

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	89 ONDA LN, SAINT AUGUSTINE, FL 32095-4851
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0044271117
Date	Aug 28, 2017
Book Page	4427/1117
Instrument	2017059476

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	355 Months
Due	Mar 1, 2047

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	89 ONDA LN, SAINT AUGUSTINE, FL 32095-4851
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0048200182
Date	Oct 28, 2019
Book Page	4820/0182
Instrument	2019079972

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	89 ONDA LN, SAINT AUGUSTINE, FL 32095-4851
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0050121020
Date	Aug 10, 2020
Book Page	5012/1020
Instrument	2020066150

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	352 Months
Due	Dec 1, 2049

January 2017: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jan 10, 2017
Property Address	89 ONDA LN, SAINT AUGUSTINE, FL 32095-4851
Document Number	0043141596
Book / Page	4314 / 1596
Map Reference	MB73 PG89
Instrument Date	Jan 6, 2017
Instrument	2017002065
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 31, 2021
Title Company	NORTH AMERICAN TITLE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9440 PHILIPS HWY STE 7, 9440, JACKSONVILLE, FL 32256-1339

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	89 ONDA LN, SAINT AUGUSTINE, FL 32095-4851

Mortgage

Document Number	2017002066
Date	Jan 10, 2017
Instrument	2017002066

Lender

Name	UNIVERSAL AMERICAN MORTGAGE CO
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 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		$351,568 (+2.7%)	$506,822 (-1.83%) Land $120,000 Building $386,822
2025	$7,967.00 (+8.96%) Homeowner's exemption	$342,325 (+2.9%)	$516,289 (+4.33%) Land $130,000 Building $386,289
2024	$7,312.00 (+5.13%) Homeowner's exemption	$332,677 (+3%)	$494,844 (+1.39%) Land $120,000 Building $374,844
2023	$6,955.00 (+13.85%) Homeowner's exemption	$322,987 (+26.21%)	$488,074 (+22.01%) Land $120,000 Building $368,074
2022	$6,109.00 Homeowner's exemption	$255,921	$400,022 Land $95,200 Building $304,822

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 221 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	221 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	Moderate above 53% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SJCU-NORTHEAST UTILITIES WS serves 14,790 people · EPA ID FL2554475
Water Source	Purchased groundwater from JEA MAJOR GRID
Last State Inspection	Mar 2024
Also Mapped Here	SJCU-CR214 MAINLAND WTP
Lead	1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 170 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon, Xfinity.

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