St. Johns County property record for 145 Cloverbank Rd, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 3,165 sqft · built 2021 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $451,453 (Apr 2021) |
| Tax Bill | $6,646 (2025) |
| Deeds & Mortgages | Apr 2021 Sale & Mortgage Nov 2020 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 028991-2180 |
| Primary APN | 028991-2180 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 15 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 3,165 sqft Living Area |
| Gross Area | 3,803 sqft |
| 1st Floor Area | 2,484 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,583 sqft (0.22 acres) |
| Garage Type | Attached |
| Garage Area | 638 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 208 sqft |
| Patio Area | 128 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 145 CLOVERBANK RD |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-9360 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 93/36-44 GRAN LAKE PHASE 2 LOT 218 OR5251/1862 |
| Legal Range | 28E |
| Legal Township | 07S |
| Legal Section | 41 |
| Legal Subdivision | GRAN LAKE PHASE 2 |
| Legal Phase | 2 |
| Legal Block | 1 |
| Legal Lot Number | 218 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 20906 |
Source: St. Johns County records, as of October 20, 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 | 145 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9360 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 29, 2021 | Warranty Deed, Subdivision Related Transfer · VA Mortgage JET HOMELOANS LLC |
| Nov 6, 2020 | Loan Modification, Mortgage · Conventional Mortgage AMERIS BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 29, 2021 · Amount on Record |
| Deed Sale | Apr 29, 2021 · Amount on Record |
| Deed Document Number | 202148122 |
| Deed Book / Page | 5251 / 1862 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Apr 29, 2021 |
| Property Address | 145 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9360 |
| Document Number | 0052511862 |
| Book / Page | 5251 / 1862 |
| Map Reference | MB 93 PG 36-44 |
| Instrument Date | Apr 28, 2021 |
| Instrument | 2021048122 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Oct 23, 2025 |
| Title Company | GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TRUST |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,160.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14701 PHILIPS HWY STE 300, 300, JACKSONVILLE, FL 32256-3742 |
| Name | Verified Name |
|---|---|
| Address | 145 CLOVERBANK RD, ST AUGUSTINE, FL 32092-9360 |
| Document Number | 0052511864 |
|---|---|
| Date | Apr 29, 2021 |
| Instrument | 5251/1864 |
| Name | JET HOMELOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 145 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9360 |
| Document Number | 0050931618 |
| Instrument Date | Nov 6, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2020 |
| Title Company | GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TR |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 145 GLOVERBANK RD ST AUGUSTINE FL 32092, ST AUGUSTINE, FL 32092 |
| Investor | Possibly a Property Investor |
| Document Number | 0050931618 |
|---|---|
| Date | Nov 6, 2020 |
| Book Page | 005093/001618 |
| Instrument | 100682 |
| Name | AMERIS BK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $526,240 (+2.7%) | $620,562 (-1.19%) Land $125,000 Building $495,562 | |
| 2025 | $6,646.00 (+11.87%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $512,405 (+2.9%) | $628,012 (+1.64%) Land $115,000 Building $513,012 |
| 2024 | $5,941.00 (+15.58%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $497,964 (+16%) | $617,877 (+14.31%) Land $110,000 Building $507,877 |
| 2023 | $5,140.00 (+2.76%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $429,272 (+3%) | $540,526 (+15.31%) Land $106,000 Building $434,526 |
| 2022 | $5,002.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $416,769 | $468,754 Land $84,000 Building $384,754 |
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 62 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 62 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 58% of the US · lower than 68% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% 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-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.
Source: FCC Broadband Data Collection, based on 245 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Fiber · Cable in parts of the area | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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