1608 Summerdown Way, Saint Johns, FL 32259 Property Records

St. Johns County property record for 1608 Summerdown Way, Saint Johns, FL 32259

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,628 sqft · built 2004
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$270,000 (Sep 2012)
Tax Bill	$5,424 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Sep 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`249837-0960`

Property Details

APN / Parcel Number

Primary APN	`249837-0960`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Stories	2 Stories
Building Area	2,628 sqft Living Area
Gross Area	3,111 sqft
1st Floor Area	1,599 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2009
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	200 sqft
Patio Area	884 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1608 SUMMERDOWN WAY
City	SAINT JOHNS
State	FL
Zip	32259-6241
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	49/3-8 JULINGTON CREEK PLANTATION PARCEL 76 LOT 96 OR3612/1928
Legal Range	27E
Legal Township	04S
Legal Section	28
Legal Subdivision	JULINGTON CREEK PLANTATION PARCEL 76
Legal Block	4
Legal Lot Number	96
Jurisdiction	ST JOHNS FL
Township / Civil Division	FRUIT COVE
Census Block Group	4
Census Block	4000
Census Tract	20801

Owner

1608 Summerdown Way is owned and occupied by two individuals who bought it in September 2012.

Source: St. Johns County records, as of June 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1608 SUMMERDOWN WAY, SAINT JOHNS, FL 32259-6241
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2022	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Sep 3, 2021	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
Jul 24, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
May 14, 2026	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Mar 20, 2019	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2012 · Amount on File
Deed Sale	Sep 10, 2012 · Amount on File
Prior Sale	Feb 23, 2011 · Amount on File
Deed Document Number	201252757
Deed Book / Page	3612 / 1928
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	1608 SUMMERDOWN WAY, SAINT JOHNS, FL 32259-6241
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1608 SUMMERDOWN WAY, SAINT JOHNS, FL 32259-6241

Mortgage

Document Number	0054841651
Date	Feb 2, 2022
Book Page	5484/1651
Instrument	2022012335

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2052

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	1608 SUMMERDOWN WAY, SAINT JOHNS, FL 32259-6241
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1608 SUMMERDOWN WAY, SAINT JOHNS, FL 32259-6241

Mortgage

Document Number	0053601193
Date	Sep 3, 2021
Book Page	5360/1193
Instrument	2021097525

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	331 Months
Due	Apr 1, 2049

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	1608 SUMMERDOWN WAY, SAINT JOHNS, FL 32259-6241
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1608 SUMMERDOWN WAY, JACKSONVILLE, FL 32259-6241

Mortgage

Document Number	0057971207
Date	Jul 24, 2023
Book Page	5797/1207
Instrument	2023057876

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jul 16, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Recording Date	May 14, 2026
Property Address	1608 SUMMERDOWN WAY, SAINT JOHNS, FL 32259-6241
Document Number	0000041276
Book / Page	6363 / 690
Instrument Date	May 5, 2026
Instrument	202641276
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1608 SUMMERDOWN WAY, SAINT JOHNS, FL 32259-6241

Mortgage

Document Number	0000041276,
Date	May 14, 2026
Book Page	6363/690
Instrument	202641276

Lender

Name	COASTAL COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	1608 SUMMERDOWN WAY, SAINT JOHNS, FL 32259-6241
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0046961366
Date	Mar 20, 2019
Book Page	4696/1366
Instrument	2019018889

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1608 Summerdown Way was $5,424 with a homeowner's exemption, up 11.2% from the year before.

Source: St. Johns County assessment roll, as of April 13, 2026

Property Jurisdictions

Type	Name
State	Florida
County	St. Johns County
Unified School District	St. Johns County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$314,602 (+2.7%)	$437,294 (-5.39%) Land $105,000 Building $332,294
2025	$5,424.00 (+11.24%) Homeowner's exemption	$306,331 (+2.9%)	$462,191 (+4.72%) Land $105,000 Building $357,191
2024	$4,876.00 (+8.79%) Homeowner's exemption	$297,698 (+3%)	$441,366 (+1.98%) Land $108,000 Building $333,366
2023	$4,482.00 (+2.21%) Homeowner's exemption	$289,027 (+3%)	$432,815 (+3.23%) Land $108,000 Building $324,815
2022	$4,385.00 Homeowner's exemption	$280,609	$419,270 Land $106,400 Building $312,870

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

Flood

FEMA maps place 1608 Summerdown Way 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 50 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	50 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

Wildfire risk around 1608 Summerdown Way is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.03% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	JEA MAJOR GRID serves 826,664 people · EPA ID FL2161328
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 172 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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