St. Johns County property record for 98 Ashley Lake Ct, Saint Augustine, FL 32095
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,102 sqft · built 2021 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $490,000 (Aug 2023) |
| Tax Bill | $4,262 (2025) |
| Deeds & Mortgages | Aug 2023 Sale & Mortgage Oct 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 026485-0510 |
| Primary APN | 026485-0510 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,102 sqft Living Area |
| Gross Area | 2,772 sqft |
| 1st Floor Area | 2,102 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 | 8,276 sqft (0.19 acres) |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 190 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 98 ASHLEY LAKE CT |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32095-8989 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 103/56-61 SANDY CREEK PHASE 2D LOT 51 OR5809/967 |
| Legal Range | 28E |
| Legal Township | 05S |
| Legal Section | 21 |
| Legal Subdivision | SANDY CREEK PHASE 2D |
| Legal Phase | 2D |
| Legal Block | 1 |
| Legal Lot Number | 51 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2050 |
| Census Tract | 20904 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 98 ASHLEY LAKE CT, SAINT AUGUSTINE, FL 32095-8989 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Aug 15, 2023 | Warranty Deed, Transfer · Conventional Mortgage VYSTAR CU |
| Oct 25, 2021 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage STOCKTON MORTGAGE CORP |
| Apr 16, 2021 | Corporation Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 15, 2023 · Amount on Record |
| Deed Sale | Aug 15, 2023 · Amount on Record |
| Prior Sale | Oct 25, 2021 · Amount on Record |
| Deed Document Number | 202364259 |
| Deed Book / Page | 5809 / 967 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Aug 15, 2023 |
| Property Address | 98 ASHLEY LAKE CT, SAINT AUGUSTINE, FL 32095-8989 |
| Document Number | 0058090967 |
| Book / Page | 5809 / 967 |
| Map Reference | MB 103 PG 56-61 |
| Instrument Date | Jul 7, 2023 |
| Instrument | 2023064259 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2023 |
| Title Company | US PATRIOT TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,430.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 16346 AIRPORT CIR, AURORA, CO 80011-1558 |
| Name | Verified Name |
|---|---|
| Address | 98 ASHLEY LAKE CT, SAINT AUGUSTINE, FL 32095-8989 |
| Document Number | 0005809970 |
|---|---|
| Date | Aug 15, 2023 |
| Instrument | 5809/970 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.12% |
| Type Change Date | Sep 1, 2028 |
| Change Frequency | 5 Years |
| Min Rate At Change | 4.12% |
| Max Rate At Change | 8.12% |
| Index | 5-Year TN |
| Max Rate | 11.1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Oct 25, 2021 |
| Property Address | 98 ASHLEY LAKE CT, SAINT AUGUSTINE, FL 32095-8989 |
| Document Number | 0054020288 |
| Book / Page | 5402 / 288 |
| Map Reference | MB 103 PG 56-61 |
| Instrument Date | Oct 22, 2021 |
| Instrument | 2021115889 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Mar 6, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,685.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2120 CORPORATE SQUARE BLVD # BLVD3, BLVD3, JACKSONVILLE, FL 32216-0306 |
| Name | Verified Name |
|---|---|
| Address | 98 ASHLEY LAKE CT, SAINT AUGUSTINE, FL 32095-8989 |
| Document Number | 0005402289 |
|---|---|
| Date | Oct 25, 2021 |
| Instrument | 5402/289 |
| Name | STOCKTON MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Corporation Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Apr 16, 2021 |
| Property Address | 98 ASHLEY LAKE CT, SAINT AUGUSTINE, FL 32095-8989 |
| Document Number | 0052391602 |
| Book / Page | 5239 / 1602 |
| Map Reference | MB 103 PG 56-61 |
| Instrument Date | Apr 16, 2021 |
| Instrument | 2021042649 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $581.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2120 CORPORATE SQUARE BLVD STE 3, 3, JACKSONVILLE, FL 32216-1976 |
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 | $339,368 (+2.7%) | $406,130 (-6.73%) Land $100,000 Building $306,130 | |
| 2025 | $4,262.00 (+12.57%) Homeowner's exemption | $330,446 (+2.9%) | $435,423 (+6.55%) Land $100,000 Building $335,423 |
| 2024 | $3,786.00 (-14.44%) Homeowner's exemption | $321,133 (-12.73%) | $408,645 (-) Land $100,000 Building $308,645 |
| 2023 | $4,425.00 (+2.79%) Homeowner's exemption | $367,986 (+3%) | $408,645 (+14.38%) Land $100,000 Building $308,645 |
| 2022 | $4,305.00 Homeowner's exemption | $357,268 | $357,268 Land $84,000 Building $273,268 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 206 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 206 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 64% of the US · above 40% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% 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-NORTHEAST UTILITIES WS serves 14,790 people · EPA ID FL2554475 |
|---|---|
| Water Source | Purchased groundwater from JEA MAJOR GRID |
| Last State Inspection | Mar 2024 |
| Lead | 1 ppb (2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 127 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 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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