185 Clifton Bay Loop, Saint Johns, FL 32259 Property Records

St. Johns County property record for 185 Clifton Bay Loop, Saint Johns, FL 32259

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,888 sqft · built 2018
Lot Size	0.18 acres (7,840 sqft)
Owner	2 Individual Names on Record
Last Sale	$459,000 (Apr 2025)
Tax Bill	$9,290 (2025)
Deeds & Mortgages	Apr 2025 Sale & Mortgage Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`023719-1360`

Property Details

APN / Parcel Number

Primary APN	`023719-1360`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	1,888 sqft Living Area
Gross Area	2,388 sqft
1st Floor Area	822 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,840 sqft (0.18 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	185 CLIFTON BAY LOOP
City	SAINT JOHNS
State	FL
Zip	32259-9142
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	88/52-69 TWIN CREEKS NORTH PARCELS 2 AND 3 PHASE ONE LOT 136 OR6138/804
Legal Range	28E
Legal Township	05S
Legal Section	09
Legal Subdivision	TWIN CREEKS NORTH PARCELS 2 AND 3 PHASE
Legal Phase	1
Legal Block	1
Legal Lot Number	136
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2022
Census Tract	20904

Owner

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	2 Individual Names on Record
Mailing Address	185 CLIFTON BAY LOOP, SAINT JOHNS, FL 32259-9142
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2025	Warranty Deed, Transfer · VA Mortgage NAVY FCU
Feb 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CU
Oct 2, 2018	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 28, 2025 · Amount on Record
Deed Sale	Apr 28, 2025 · Amount on Record
Prior Sale	Oct 2, 2018 · Amount on Record
Deed Document Number	202532765
Deed Book / Page	6138 / 804
Record Updated	Jun 8, 2026

April 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Apr 28, 2025
Property Address	185 CLIFTON BAY LOOP, SAINT JOHNS, FL 32259-9142
Document Number	0061380804
Book / Page	6138 / 804
Map Reference	MB 88 PG 52
Instrument Date	Apr 22, 2025
Instrument	2025032765
Transaction Type	Transfer
Record Updated	Oct 23, 2025
Title Company	PARADISE TTL OF ST AUGUSTINE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,213.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	104 TOPSIDE DR, ST JOHNS, FL 32259-2318

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	185 CLIFTON BAY LOOP, SAINT JOHNS, FL 32259-9142

Mortgage

Document Number	0006138806
Date	Apr 28, 2025
Instrument	6138/806

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2055

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	185 CLIFTON BAY LOOP, SAINT JOHNS, FL 32259-9142
Document Number	0048821649
Instrument Date	Feb 7, 2020
Transaction Type	Mortgage
Record Updated	Mar 4, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	185 CLIFTON BAY LOOP JACKSONVILLE FL 322599142, JACKSONVILLE, FL 32259-9142

Mortgage

Document Number	0048821649
Date	Feb 13, 2020
Book Page	004882/001649
Instrument	11636

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32210

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 12, 2050

October 2018: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Oct 2, 2018
Property Address	185 CLIFTON BAY LOOP, SAINT JOHNS, FL 32259-9142
Document Number	0046201480
Book / Page	4620 / 1480
Map Reference	MB88 PG52
Instrument Date	Sep 23, 2018
Instrument	2018071325
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 31, 2021
Title Company	NORTH AMERICAN TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9440 PHILIPS HWY STE 7, 9440, JACKSONVILLE, FL 32256-1339

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	185 CLIFTON BAY LOOP, SAINT JOHNS, FL 32259-9142

Mortgage

Document Number	2018071326
Date	Oct 2, 2018
Instrument	2018071326

Lender

Name	EAGLE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2048

Tax Assessment & Valuation

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		$330,803 (-9.92%) Land $95,000 Building $235,803	$330,803 (-9.92%) Land $95,000 Building $235,803
2025	$9,290.00 (+1.52%)	$367,214 (+5.39%)	$367,214 (+5.39%) Land $95,000 Building $272,214
2024	$9,151.00 (+6.75%)
2023	$8,572.00 (+5.53%)	$348,421 (+5.22%)	$348,421 (+5.22%) Land $95,000 Building $253,421
2022	$8,123.00	$331,132	$331,132 Land $84,000 Building $247,132

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

Flood

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.

Wildfire

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

Wildfire Risk	Moderate above 51% of the US · lower than 78% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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 326 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Verizon Fixed Wireless	300 / 20

May also be available: Xfinity.

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