St. Johns County property record for 97 Osprey Mills Ln, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,801 sqft · built 2021 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $357,761 (Jul 2021) |
| Tax Bill | $6,954 (2025) |
| Deeds & Mortgages | Jul 2021 Sale & Mortgage Dec 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 029011-4950 |
| Primary APN | 029011-4950 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,801 sqft Living Area |
| Gross Area | 2,297 sqft |
| 1st Floor Area | 1,801 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.17 acres) |
| Garage Type | Attached |
| Garage Area | 496 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 171 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 97 OSPREY MILLS LN |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-5503 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 95/15-24 WHISPER CREEK PHASE 5 UNIT A LOT 495 OR5312/1239 |
| 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 | 495 |
| Legal Unit | A |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 4 |
| Census Block | 4021 |
| Census Tract | 20905 |
Source: St. Johns County records, as of April 13, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 97 OSPREY MILLS LN, SAINT AUGUSTINE, FL 32092-5503 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 8, 2021 | Special Warranty Deed, Subdivision Related Transfer · VA Mortgage BAYWAY MORTGAGE GROUP |
| Dec 10, 2019 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 8, 2021 · Amount on Record |
| Deed Sale | Jul 8, 2021 · Amount on Record |
| Prior Sale | Dec 10, 2019 · Amount on Record |
| Deed Document Number | 202175658 |
| Deed Book / Page | 5312 / 1239 |
| Record Updated | Jun 8, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jul 8, 2021 |
| Property Address | 97 OSPREY MILLS LN, SAINT AUGUSTINE, FL 32092-5503 |
| Document Number | 0053121239 |
| Book / Page | 5312 / 1239 |
| Map Reference | MB 95 PG 15-24 |
| Instrument Date | Jun 30, 2021 |
| Instrument | 2021075658 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | May 23, 2023 |
| Title Company | DO NO USE, AMERICAN HOME T&E CO |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,504.60 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10255 FORTUNE PKWY # 1500, 1500, JACKSONVILLE, FL 32256-6502 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 97 OSPREY MILLS LN, SAINT AUGUSTINE, FL 32092-5503 |
| Document Number | 0053121240 |
|---|---|
| Date | Jul 8, 2021 |
| Instrument | 5312/1240 |
| Name | BAYWAY MORTGAGE GROUP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Dec 10, 2019 |
| Property Address | 97 OSPREY MILLS LN, SAINT AUGUSTINE, FL 32092-5503 |
| Document Number | 0048460985 |
| Book / Page | 004846 / 000985 |
| Instrument Date | Dec 6, 2019 |
| Instrument | 92457 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $19,320.00 |
| 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 | $340,031 (+2.7%) | $377,359 (+5.24%) Land $100,000 Building $277,359 | |
| 2025 | $6,954.00 (+7.36%) Homeowner's exemption | $331,092 (+2.9%) | $358,567 (+0.16%) Land $100,000 Building $258,567 |
| 2024 | $6,477.00 (+1.36%) Homeowner's exemption | $321,761 (+3%) | $357,988 (+11.71%) Land $100,000 Building $257,988 |
| 2023 | $6,390.00 (+1.69%) Homeowner's exemption | $312,389 (+3%) | $320,472 (+5.67%) Land $84,000 Building $236,472 |
| 2022 | $6,284.00 Homeowner's exemption | $303,290 | $303,290 Land $84,000 Building $219,290 |
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 45% of the US · lower than 84% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
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 235 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Fiber | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
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