St. Johns County property record for 97 Otsego Ln, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,095 sqft · built 2025 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $459,500 (Dec 2025) |
| Tax Bill | $1,212 (2025) |
| Deeds & Mortgages | Dec 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 026941-3390 |
| Primary APN | 026941-3390 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,095 sqft Living Area |
| Gross Area | 2,691 sqft |
| 1st Floor Area | 1,144 sqft |
| Flooring | Carpet |
| Year Built | Built 2025 |
|---|---|
| Effective Year Built | Effective 2025 |
| Exterior Material | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,534 sqft (0.15 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Porch | Finished Screened Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 97 OTSEGO LN |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-1321 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 128/5-12 SILVER FALLS (SILVERLEAF PARCEL 22A) PHASE 1A REPLAT LOT 339 OR6264/1025 |
| Legal Subdivision | SILVER FALLS (SILVERLEAF PARCEL 22A) PHA |
| Legal Block | 1 |
| Legal Lot Number | 339 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 4 |
| Census Block | 4006 |
| Census Tract | 20908 |
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 | 97 OTSEGO LN, SAINT AUGUSTINE, FL 32092-1321 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 1, 2025 · Amount on Record |
| Deed Sale | Dec 1, 2025 · Amount on Record |
| Prior Sale | Oct 22, 2025 · Amount on Record |
| Deed Document Number | 202596815 |
| Deed Book / Page | 6264 / 1025 |
| Record Updated | Jun 8, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Dec 1, 2025 |
| Property Address | 97 OTSEGO LN, SAINT AUGUSTINE, FL 32092-1321 |
| Document Number | 0062641025 |
| Book / Page | 6264 / 1025 |
| Map Reference | MB 128 PG 5 |
| Instrument Date | Nov 25, 2025 |
| Instrument | 2025096815 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 13, 2026 |
| Title Company | LENNAR TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,216.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7411 FULLERTON ST STE 220, 220, JACKSONVILLE, FL 32256-3629 |
| Name | Verified Name |
|---|---|
| Address | 97 OTSEGO LN, ST AUGUSTINE, FL 32092-1321 |
| Document Number | 0062641029 |
|---|---|
| Date | Dec 1, 2025 |
| Instrument | 6264/1029 |
| Name | LENNAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2055 |
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 | $365,046 (+305.61%) | $368,719 (+309.69%) Land $100,000 Building $268,719 | |
| 2025 | $1,212.00 (+38.2%) | $90,000 (+28.57%) | $90,000 (+28.57%) Land $90,000 |
| 2024 | $877.00 | $70,000 | $70,000 Land $70,000 |
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 110 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 110 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 65% of the US · above 42% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% 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-CR214 MAINLAND WTP serves 66,953 people · EPA ID FL2554447 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2025 |
| Lead | Under 1 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 6 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.
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