St. Johns County property record for 195 Cloverbank Rd, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,484 sqft · built 2020 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $379,714 (Jan 2021) |
| Tax Bill | $4,424 (2025) |
| Deeds & Mortgages | Sep 2026 Sale Apr 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 028991-2140 |
| Primary APN | 028991-2140 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,484 sqft Living Area |
| Gross Area | 3,124 sqft |
| 1st Floor Area | 2,484 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,761 sqft (0.27 acres) |
| Garage Type | Attached |
| Garage Area | 640 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Patio Area | 256 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 195 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 214 OR5149/1332 |
| Legal Range | 28E |
| Legal Township | 07S |
| Legal Section | 41 |
| Legal Subdivision | GRAN LAKE PHASE 2 |
| Legal Phase | 2 |
| Legal Block | 1 |
| Legal Lot Number | 214 |
| 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 13, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 195 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9360 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| Sep 18, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Apr 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC |
| Jan 12, 2021 | Grant Deed, Subdivision Related Transfer GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 12, 2021 · Amount on Record |
| Deed Sale | Jan 12, 2021 · Amount on Record |
| Prior Sale | Oct 28, 2019 · Amount on Record |
| Deed Document Number | 20213926 |
| Deed Book / Page | 5149 / 1332 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Sep 18, 2026 |
| Property Address | 195 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9360 |
| Document Number | 0000079933 |
| Book / Page | 6439 / 160 |
| Instrument Date | Sep 10, 2026 |
| Instrument | 202679933 |
| Transaction Type | Transfer |
| Record Updated | Oct 2, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $70.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 195 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9360 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 195 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9360 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 195 CLOVERBANK RD, ST AUGUSTINE, FL 32092-9360 |
| Document Number | 0052440601 |
|---|---|
| Date | Apr 22, 2021 |
| Book Page | 5244/601 |
| Instrument | 2021044746 |
| Name | ROYAL UNITED MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48260 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 1, 2036 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jan 12, 2021 |
| Property Address | 195 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9360 |
| Document Number | 0051491332 |
| Book / Page | 005149 / 001332 |
| Instrument Date | Dec 31, 2020 |
| Instrument | 3926 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 25, 2021 |
| Title Company | GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TR |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,658.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 195 CLOVERBANK RD ST AUGUSTINE FL 320929360, ST AUGUSTINE, FL 32092-9360 |
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 | $356,828 (+2.7%) | $483,803 (-0.52%) Land $125,000 Building $358,803 | |
| 2025 | $4,424.00 (+12.57%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $347,447 (+2.9%) | $486,332 (-2.04%) Land $115,000 Building $371,332 |
| 2024 | $3,930.00 (+5.96%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $337,655 (+6.66%) | $496,470 (+7.23%) Land $110,000 Building $386,470 |
| 2023 | $3,709.00 (+2.97%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $316,574 (+3%) | $462,974 (+15.93%) Land $106,000 Building $356,974 |
| 2022 | $3,602.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $307,353 | $399,348 Land $84,000 Building $315,348 |
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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