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98 Ferndale Way, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 98 Ferndale Way, Saint Augustine, FL 32092 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,893 sqft · built 2020
Lot Size0.14 acres (6,098 sqft)
Owner2 Individual Names on File
Last Sale$419,000 (Jun 2024)
Tax Bill$7,042 (2025)
Deeds & MortgagesOct 2021 Mortgage
Jun 2024 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN029011-7290

Property Details

APN / Parcel Number

Primary APN029011-7290

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures9 Plumbing Fixtures
Stories1 Story
Building Area1,893 sqft Living Area
Gross Area2,479 sqft
1st Floor Area1,893 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2020
Exterior MaterialConcrete
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area6,098 sqft (0.14 acres)
Garage TypeAttached
Garage Area444 sqft
Parking Spaces2 Parking Spaces
PorchFinished Screened Porch
Porch Area142 sqft
Patio Area299 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address98 FERNDALE WAY
CitySAINT AUGUSTINE
StateFL
Zip32092-7648
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description92/37-45 WHISPER CREEK PHASE 8 LOT 729 OR5973/585
Legal Range28E
Legal Township06S
Legal Section38
Legal SubdivisionWHISPER CREEK PHASE 8
Legal Phase8
Legal Block1
Legal Lot Number729
JurisdictionST JOHNS FL
Township / Civil DivisionST. AUGUSTINE
Census Block Group4
Census Block4040
Census Tract20905

Owner

Source: St. Johns County records · APN 029011-7290

Assessment roll updated April 13, 2026 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address98 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7648
OccupancyOwner Occupied
Owner TypeIndividual
VestingMarried Couple

Deeds, Mortgages & Sale History

DateDocument
Oct 11, 2021Deed of Trust, Mortgage · Conventional Mortgage
AUTO CLUB TRUST FSB
Jun 24, 2024Warranty Deed, Transfer · VA Mortgage
TOWNE MORTGAGE CO
Feb 04, 2020Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
JET HOMELOANS LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 24, 2024 · Amount on Record
Deed SaleJun 24, 2024 · Amount on Record
Prior SaleFeb 04, 2020 · Amount on Record
Deed Document Number202449385
Deed Book / Page5973 / 585
Record UpdatedJun 08, 2026

October 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address98 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7648
Transaction TypeMortgage
Record UpdatedOct 23, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address98 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7648

Mortgage

Document Number0053910337
DateOct 11, 2021
Book Page5391/337
Instrument2021110873
Lender
NameAUTO CLUB TRUST FSB
TypeBank
AddressDEARBORN, MI 48126
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term240 Months
DueOct 01, 2041

June 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateJun 24, 2024
Property Address98 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7648
Document Number0059730585
Book / Page5973 / 585
Map ReferenceMB 92 PG 37-45
Instrument DateJun 11, 2024
Instrument2024049385
Transaction TypeTransfer
Record UpdatedOct 23, 2025
Title CompanyWATSON TITLE SERVICES/N FL INC, WATSON TTL SVCS OF NORTH FL

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,933.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address324 COCONUT PALM PKWY, PONTE VEDRA, FL 32081-6103

Transferred To (Grantee/Buyer)

NameVerified Name
Address98 FERNDALE WAY, ST AUGUSTINE, FL 32092-7648

Mortgage

Document Number2024049386
DateJun 24, 2024
Instrument2024049386
Lender
NameTOWNE MORTGAGE CO
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueJul 01, 2054

February 2020: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateFeb 04, 2020
Property Address98 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7648
Document Number0048761895
Book / Page4876 / 1895
Map ReferenceMB 92 PG 37-45
Instrument DateJan 30, 2020
Instrument2020008720
Transaction TypeSubdivision Related Transfer
Record UpdatedAug 31, 2021
Title CompanyGOLDEN DOG TITLE & TRUST

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,929.90
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address14701 PHILIPS HWY STE 300, 14701, JACKSONVILLE, FL 32256-3742

Transferred To (Grantee/Buyer)

NameVerified Name
Address98 FERNDALE WAY, SAINT AUGUSTINE, FL 32092-7648

Mortgage

Document Number48761897
DateFeb 04, 2020
Instrument4876/1897
Lender
NameJET HOMELOANS LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 01, 2050

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 2026

Property Jurisdictions

TypeName
StateFlorida
CountySt. Johns County
Unified School DistrictSt. Johns County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2026$349,347 (-3.38%) Land $90,000 Building $259,347$349,347 (-3.38%) Land $90,000 Building $259,347
2025$7,042.00 (+31.55%) Homeowner's exemption$361,584 (+37.51%)$361,584 (-5.77%) Land $95,000 Building $266,584
2024$5,353.00 (+0.21%) Homeowner's exemption Widower's exemption$262,950 (+3%)$383,714 (+7.68%) Land $100,000 Building $283,714
2023$5,342.00 (+1.71%) Homeowner's exemption$255,291 (+3%)$356,359 (+9.85%) Land $84,000 Building $272,359
2022$5,252.00 Homeowner's exemption$247,855$324,394 Land $84,000 Building $240,394

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090209054, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 79 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies79 in force
Nearby Flood Claims1 (2017)
Most Recent ClaimSep 2017, tidal / storm surge, Hurricane Irma

Wildfire

Wildfire RiskModerate
above 40% of the US · above 12% of Florida
Wildfire LikelihoodAbout 1 in 1,923 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 356 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
XfinityCable2,000 / 2,000
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20

May also be available at this address: Xfinity. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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