St. Johns County property record for 91 Pepperpike Way, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,642 sqft · built 2022 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $479,000 (May 2026) |
| Tax Bill | $9,162 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage Jan 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 029011-4630 |
| Primary APN | 029011-4630 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,642 sqft Living Area |
| Gross Area | 3,112 sqft |
| 1st Floor Area | 1,138 sqft |
| Flooring | Carpet |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.17 acres) |
| Garage Type | Attached |
| Garage Area | 470 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 350 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 91 PEPPERPIKE WAY |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-5506 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 95/15-24 WHISPER CREEK PHASE 5 UNIT A LOT 463 OR5477/533 |
| Legal Range | 28E |
| Legal Township | 06S |
| Legal Section | 38 |
| Legal Subdivision | WHISPER CREEK PHASE 5 UNIT A |
| Legal Phase | 5 |
| Legal Block | 1 |
| Legal Lot Number | 463 |
| Legal Unit | A |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 4 |
| Census Block | 4020 |
| Census Tract | 20905 |
Source: St. Johns County records, as of June 10, 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 | 91 PEPPERPIKE WAY, SAINT AUGUSTINE, FL 32092-5506 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
| Date | Document |
|---|---|
| May 28, 2026 | Warranty Deed, Transfer · VA Mortgage ROCKET MORTGAGE LLC |
| Jan 26, 2022 | Special Warranty Deed, Subdivision Related Transfer · VA Mortgage ROCKET MORTGAGE LLC |
| Jul 16, 2020 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 28, 2026 · Amount on Record |
| Deed Sale | May 28, 2026 · Amount on Record |
| Prior Sale | Jan 26, 2022 · Amount on Record |
| Deed Document Number | 202645561 |
| Deed Book / Page | 6372 / 20 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | May 28, 2026 |
| Property Address | 91 PEPPERPIKE WAY, SAINT AUGUSTINE, FL 32092-5506 |
| Document Number | 0000045561 |
| Book / Page | 6372 / 20 |
| Instrument Date | May 5, 2026 |
| Instrument | 202645561 |
| Transaction Type | Transfer |
| Record Updated | Jun 10, 2026 |
| Title Company | LAND TITLE CORPORATION, LAND TITLE OF AMERICA |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $338,653.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 91 PEPPERPIKE WAY, SAINT AUGUSTINE, FL 32092-5506 |
| Document Number | 0000045562, |
|---|---|
| Date | May 28, 2026 |
| Instrument | 202645562 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 309 Months |
| Due | Feb 1, 2052 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jan 26, 2022 |
| Property Address | 91 PEPPERPIKE WAY, SAINT AUGUSTINE, FL 32092-5506 |
| Document Number | 0054770533 |
| Book / Page | 5477 / 533 |
| Map Reference | MB 95 PG 15-24 |
| Instrument Date | Jan 19, 2022 |
| Instrument | 2022008752 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | May 23, 2023 |
| Title Company | DO NO USE, AMERICAN HOME T&E CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,311.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10255 FORTUNE PKWY # 150, 150, JACKSONVILLE, FL 32256-6502 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 91 PEPPERPIKE WAY, ST AUGUSTINE, FL 32092-5506 |
| Document Number | 0005477534 |
|---|---|
| Date | Jan 26, 2022 |
| Instrument | 5477/534 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jul 16, 2020 |
| Property Address | 91 PEPPERPIKE WAY, SAINT AUGUSTINE, FL 32092-5506 |
| Document Number | 0049901133 |
| Book / Page | 004990 / 001133 |
| Instrument Date | Jul 15, 2020 |
| Instrument | 57136 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $19,642.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Partnership |
| Address | 10255 FORTUNE PKWY #150 JACKSONVILLE FL 322566502, 150, JACKSONVILLE, FL 32256-6502 |
| Investor | Possibly a Property Investor |
Source: St. Johns County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $473,504 (+3.78%) Land $100,000 Building $373,504 | $473,504 (+3.78%) Land $100,000 Building $373,504 | |
| 2025 | $9,162.00 (+5.86%) | $456,267 (+0.07%) | $456,267 (+0.07%) Land $100,000 Building $356,267 |
| 2024 | $8,655.00 (+196%) | $455,933 (+11.13%) | $455,933 (+11.13%) Land $100,000 Building $355,933 |
| 2023 | $2,924.00 (-24.81%) Disabled Person's exemption Veteran's exemption | $410,273 (+388.42%) | $410,273 (+388.42%) Land $84,000 Building $326,273 |
| 2022 | $3,889.00 | $84,000 | $84,000 Land $84,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 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 |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 44% of the US · lower than 85% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 356 locations within half a mile, as of December 31, 2025
| 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 Fixed Wireless | 100 / 20 |
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