St. Johns County property record for 2048 E Clovelly Ln, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 3,874 sqft · built 2006 |
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $925,000 (Oct 2024) |
| Tax Bill | $7,662 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Jun 2020 Sale & Mortgage |
| Flood Zone | Zone A (high risk) |
| APN | 009972-7040 |
| Primary APN | 009972-7040 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 20 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 3,874 sqft Living Area |
| Gross Area | 5,145 sqft |
| 1st Floor Area | 2,733 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 13,939 sqft (0.32 acres) |
| Garage Type | Attached |
| Garage Area | 716 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 364 sqft |
|---|---|
| Porch | Finished Screened Porch |
| Porch Area | 856 sqft |
| Deck Area | Deck Area |
| Patio Area | 434 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2048 E CLOVELLY LN |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-1093 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 40/89-100 SOUTH HAMPTON UNIT 2B LOT 704 OR6033/1466 |
| Legal Range | 27E |
| Legal Township | 05S |
| Legal Section | 24 |
| Legal Subdivision | SOUTH HAMPTON UNIT 2-B |
| Legal Block | 3 |
| Legal Lot Number | 704 |
| Legal Unit | 2 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 20907 |
Source: St. Johns County records, as of June 17, 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 | 2048 E CLOVELLY LN, SAINT AUGUSTINE, FL 32092-1093 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Sep 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU |
| Jun 5, 2020 | Warranty Deed, Transfer NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 8, 2024 · Amount on Record |
| Deed Sale | Oct 8, 2024 · Amount on Record |
| Prior Sale | Jun 5, 2020 · Amount on Record |
| Deed Document Number | 202479206 |
| Deed Book / Page | 6033 / 1466 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 2048 E CLOVELLY LN, SAINT AUGUSTINE, FL 32092-1093 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Name | Verified Name |
|---|---|
| Address | 2048 E CLOVELLY LN, SAINT AUGUSTINE, FL 32092-1093 |
| Document Number | 0053781329 |
|---|---|
| Date | Sep 27, 2021 |
| Book Page | 5378/1329 |
| Instrument | 2021105339 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jun 5, 2020 |
| Property Address | 2048 E CLOVELLY LN, SAINT AUGUSTINE, FL 32092-1093 |
| Document Number | 0049571624 |
| Book / Page | 004957 / 001624 |
| Instrument Date | Jun 1, 2020 |
| Instrument | 43402 |
| Transaction Type | Transfer |
| Record Updated | Jul 24, 2020 |
| Title Company | LANDMARK TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,892.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2048 E CLOVELLY LN ST AUGUSTINE FL 320921093, ST AUGUSTINE, FL 32092-1093 |
| Document Number | 49571626 |
|---|---|
| Date | Jun 5, 2020 |
| Book Page | 004957/001626 |
| Instrument | 43403 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jun 4, 2050 |
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 | $598,612 (+2.7%) | $683,523 (-6.23%) Land $130,000 Building $553,523 | |
| 2025 | $7,662.00 (+20.02%) Homeowner's exemption | $582,874 (+10.33%) | $728,918 (+4.95%) Land $130,000 Building $598,918 |
| 2024 | $6,384.00 (+1.9%) Homeowner's exemption | $528,303 (+3%) | $694,539 (+3.4%) Land $120,000 Building $574,539 |
| 2023 | $6,265.00 (+2.6%) Homeowner's exemption | $512,916 (+3%) | $671,680 (+9.76%) Land $130,000 Building $541,680 |
| 2022 | $6,106.00 Homeowner's exemption | $497,977 | $611,968 Land $106,400 Building $505,568 |
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 A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 26 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 26 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 | Low lower than 62% of the US · lower than 88% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 142 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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