St. Johns County property record for 234 Cloverbank Rd, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,793 sqft · built 2020 |
| Lot Size | 0.26 acres (11,325 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $433,088 (Jun 2020) |
| Tax Bill | $5,659 (2025) |
| Deeds & Mortgages | Jun 2022 Line of Credit Jun 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 028991-2360 |
| Primary APN | 028991-2360 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,793 sqft Living Area |
| Gross Area | 3,486 sqft |
| 1st Floor Area | 2,793 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,325 sqft (0.26 acres) |
| Garage Type | Attached |
| Garage Area | 693 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 234 CLOVERBANK RD |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-9361 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 93/36-44 GRAN LAKE PHASE 2 LOT 236 OR4972/1406 |
| Legal Range | 28E |
| Legal Township | 07S |
| Legal Section | 41 |
| Legal Subdivision | GRAN LAKE PHASE 2 |
| Legal Phase | 2 |
| Legal Block | 1 |
| Legal Lot Number | 236 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 20906 |
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 | 234 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9361 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 7, 2022 | Deed of Trust, Mortgage · Line of Credit VYSTAR CU |
| Jun 25, 2020 | Warranty Deed, Subdivision Related Transfer · VA Mortgage JET HOMELOANS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 25, 2020 · Amount on Record |
| Deed Sale | Jun 25, 2020 · Amount on Record |
| Deed Document Number | 202049855 |
| Deed Book / Page | 4972 / 1406 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 234 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9361 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 234 CLOVERBANK RD, ST AUGUSTINE, FL 32092-9361 |
| Document Number | 0055740720 |
|---|---|
| Date | Jun 7, 2022 |
| Book Page | 5574/720 |
| Instrument | 2022057208 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Jul 1, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jun 25, 2020 |
| Property Address | 234 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9361 |
| Document Number | 0049721406 |
| Book / Page | 4972 / 1406 |
| Map Reference | MB 93 PG 36-44 |
| Instrument Date | Jun 24, 2020 |
| Instrument | 2020049855 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 28, 2022 |
| Title Company | GOLDEN DOG TITLE & TRUST |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,031.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14701 PHILIPS HWY STE 300, 14701, JACKSONVILLE, FL 32256-3742 |
| Name | Verified Name |
|---|---|
| Address | 234 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9361 |
| Document Number | 0049721408 |
|---|---|
| Date | Jun 25, 2020 |
| Instrument | 4972/1408 |
| Name | JET HOMELOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 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 | $465,213 (+5.94%) | $588,985 (-0.18%) Land $125,000 Building $463,985 | |
| 2025 | $5,659.00 (+12.1%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $439,113 (+2.9%) | $590,047 (+0.86%) Land $115,000 Building $475,047 |
| 2024 | $5,048.00 (+16.96%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $426,738 (+17.12%) | $585,033 (+14.12%) Land $110,000 Building $475,033 |
| 2023 | $4,316.00 (+1.31%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $364,357 (+3%) | $512,625 (+15.44%) Land $106,000 Building $406,625 |
| 2022 | $4,260.00 Homeowner's exemption | $353,745 | $444,046 Land $84,000 Building $360,046 |
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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