St. Johns County property record for 157 Cloverbank Rd, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 3,192 sqft · built 2021 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Individual Name on File |
| Last Sale | $444,401 (Apr 2021) |
| Tax Bill | $6,538 (2025) |
| Deeds & Mortgages | Sep 2020 Second Mortgage Apr 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 028991-2170 |
| Primary APN | 028991-2170 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 17 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 3,192 sqft Living Area |
| Gross Area | 3,785 sqft |
| 1st Floor Area | 2,511 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| 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 | 10,890 sqft (0.25 acres) |
| Garage Type | Attached |
| Garage Area | 593 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 224 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 157 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 217 OR5226/108 |
| Legal Range | 28E |
| Legal Township | 07S |
| Legal Section | 41 |
| Legal Subdivision | GRAN LAKE PHASE 2 |
| Legal Phase | 2 |
| Legal Block | 1 |
| Legal Lot Number | 217 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 20906 |
157 Cloverbank Rd is owned and occupied by an individual who bought it in April 2021.
Source: St. Johns County records, as of April 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 157 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9360 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 29, 2020 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage AMERIS BANK |
| Apr 5, 2021 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage JET HOMELOANS LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 5, 2021 · Amount on File |
| Deed Sale | Apr 5, 2021 · Amount on File |
| Deed Document Number | 202136400 |
| Deed Book / Page | 5226 / 108 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 157 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9360 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2022 |
| Title Company | NATIONAL LINK |
| Name | Verified Name |
|---|
| Document Number | 0050551240 |
|---|---|
| Date | Sep 29, 2020 |
| Book Page | 5055/1240 |
| Instrument | 2020084333 |
| Name | AMERIS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Apr 5, 2021 |
| Property Address | 157 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9360 |
| Document Number | 0052260108 |
| Book / Page | 5226 / 108 |
| Map Reference | MB 93 PG 36-44 |
| Instrument Date | Mar 31, 2021 |
| Instrument | 2021036400 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Oct 23, 2025 |
| Title Company | GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TRUST |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,111.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14701 PHILIPS HWY STE 300, 300, JACKSONVILLE, FL 32256-3742 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 157 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9360 |
| Document Number | 0005226110 |
|---|---|
| Date | Apr 5, 2021 |
| Instrument | 5226/110 |
| Name | JET HOMELOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2051 |
The 2025 property tax bill for 157 Cloverbank Rd was $6,538 with exemptions applied, up 11.9% from the year before.
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 | $517,990 (+2.7%) | $544,192 (-1.55%) Land $125,000 Building $419,192 | |
| 2025 | $6,538.00 (+11.89%) Homeowner's exemption Widower's exemption | $504,372 (+2.9%) | $552,736 (-2.65%) Land $115,000 Building $437,736 |
| 2024 | $5,843.00 (+1.95%) Homeowner's exemption Widower's exemption | $490,157 (+3%) | $567,788 (+4.09%) Land $110,000 Building $457,788 |
| 2023 | $5,731.00 (+1.63%) Homeowner's exemption Widower's exemption | $475,881 (+3%) | $545,457 (+15.42%) Land $106,000 Building $439,457 |
| 2022 | $5,639.00 Homeowner's exemption Widower's exemption | $462,020 | $472,589 Land $84,000 Building $388,589 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 157 Cloverbank Rd in Zone X, an area of minimal flood risk.
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 File 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.
Wildfire risk around 157 Cloverbank Rd is moderate, ranking above 58% of the US, with a 0.1% annual chance of wildfire.
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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