St. Johns County property record for 95 Ferndale Way, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,035 sqft · built 2020 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $365,000 (May 2021) |
| Tax Bill | $6,404 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage May 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 029011-6690 |
| Primary APN | 029011-6690 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,035 sqft Living Area |
| Gross Area | 2,593 sqft |
| 1st Floor Area | 1,128 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 | 428 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 130 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 95 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 669 OR5276/1377 |
| Legal Range | 28E |
| Legal Township | 06S |
| Legal Section | 38 |
| Legal Subdivision | WHISPER CREEK PHASE 8 |
| Legal Phase | 8 |
| Legal Block | 1 |
| Legal Lot Number | 669 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 4 |
| Census Block | 4022 |
| Census Tract | 20905 |
Source: St. Johns County records, 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 95 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7644 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 23, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| May 27, 2021 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jul 9, 2020 | Warranty Deed, Subdivision Related Transfer GOLDEN DOG TITLE & TRUST |
| Mar 27, 2020 | Loan Modification, Mortgage · Line of Credit AMERIS BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 27, 2021 · Amount on Record |
| Deed Sale | May 27, 2021 · Amount on Record |
| Prior Sale | Jul 9, 2020 · Amount on Record |
| Deed Document Number | 202159963 |
| Deed Book / Page | 5276 / 1377 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 95 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7644 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0054990740 |
|---|---|
| Date | Feb 23, 2022 |
| Book Page | 5499/740 |
| Instrument | 2022019738 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | May 27, 2021 |
| Property Address | 95 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7644 |
| Document Number | 0052761377 |
| Book / Page | 5276 / 1377 |
| Map Reference | MB 92 PG 37-45 |
| Instrument Date | May 26, 2021 |
| Instrument | 2021059963 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2025 |
| Title Company | AMERICAS CHOICE TITLE COMPANY, AMERICAS CHOICE TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,555.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 945 REGISTRY BLVD UNIT 208, 208, ST AUGUSTINE, FL 32092-3666 |
| Name | Verified Name |
|---|---|
| Address | 95 FERNDALE WAY, ST AUGUSTINE, FL 32092-7644 |
| Document Number | 0052761379 |
|---|---|
| Date | May 27, 2021 |
| Instrument | 5276/1379 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jul 9, 2020 |
| Property Address | 95 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7644 |
| Document Number | 0049851989 |
| Book / Page | 4985 / 1989 |
| Map Reference | MB 92 PG 37-45 |
| Instrument Date | Jul 8, 2020 |
| Instrument | 2020055188 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 31, 2021 |
| Title Company | GOLDEN DOG TITLE & TRUST |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,005.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14701 PHILIPS HWY STE 300, 14701, JACKSONVILLE, FL 32256-3742 |
| Name | Verified Name |
|---|---|
| Address | 95 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7644 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 95 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7644 |
| Document Number | 0049131861 |
| Instrument Date | Mar 27, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 26, 2020 |
| Title Company | ATTORNEY ONLY |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 166 FOXCROSS AVE ST AUGUSTINE FL 320927661, ST AUGUSTINE, FL 32092-7661 |
| Investor | Possibly a Property Investor |
| Document Number | 0049131861 |
|---|---|
| Date | Apr 1, 2020 |
| Book Page | 004913/001861 |
| Instrument | 25723 |
| Name | AMERIS BK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $322,699 (+2.7%) | $340,142 (-4.15%) Land $90,000 Building $250,142 | |
| 2025 | $6,404.00 (+7.67%) Homeowner's exemption | $314,215 (+2.9%) | $354,867 (-6.71%) Land $95,000 Building $259,867 |
| 2024 | $5,948.00 (+1.43%) Homeowner's exemption | $305,360 (+3%) | $380,373 (+7.71%) Land $100,000 Building $280,373 |
| 2023 | $5,864.00 (+1.75%) Homeowner's exemption | $296,466 (+3%) | $353,143 (+9.77%) Land $84,000 Building $269,143 |
| 2022 | $5,763.00 Homeowner's exemption | $287,831 | $321,702 Land $84,000 Building $237,702 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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 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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