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

St. Johns County property record for 248 Clifton Bay Loop, Saint Johns, FL 32259

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,943 sqft · built 2020
Lot Size	0.11 acres (4,791 sqft)
Owner	2 Individual Names on Record
Last Sale	$420,000 (Sep 2026)
Tax Bill	$9,180 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Apr 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`023719-0890`

Property Details

APN / Parcel Number

Primary APN	`023719-0890`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	1,943 sqft Living Area
Gross Area	2,492 sqft
1st Floor Area	1,710 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Concrete
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	4,791 sqft (0.11 acres)
Garage Type	Attached
Garage Area	399 sqft
Parking Spaces	1 Parking Space
Porch	Patio
Porch Area	150 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	248 CLIFTON BAY LOOP
City	SAINT JOHNS
State	FL
Zip	32259-9143
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	88/52-69 TWIN CREEKS NORTH PARCELS 2 AND 3 PHASE ONE LOT 89 OR5035/1924 & 5579/1149(D/M) &5745/814(Q/C)
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	89
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2018
Census Tract	20904

Owner

Source: St. Johns County records, as of October 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	248 CLIFTON BAY LOOP, SAINT JOHNS, FL 32259-9143
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2026	Warranty Deed, Transfer · FHA Mortgage AMERICAN MORTGAGE ACCEPTANCE
Apr 25, 2023	Intrafamily Transfer, Transfer NATIONAL LINK
Sep 8, 2020	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2026 · Amount on Record
Deed Sale	Sep 15, 2026 · Amount on Record
Prior Sale	Sep 8, 2020 · Amount on Record
Deed Document Number	202678894
Deed Book / Page	6437 / 254
Prior Transfer Date	Mar 21, 2023
Prior Transfer Doc	0057450814
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Sep 15, 2026
Property Address	248 CLIFTON BAY LOOP, SAINT JOHNS, FL 32259-9143
Document Number	0000078894
Book / Page	6437 / 254
Instrument Date	Sep 10, 2026
Instrument	202678894
Transaction Type	Transfer
Record Updated	Sep 30, 2026
Title Company	LANDMARK TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$296,940.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	248 CLIFTON BAY LOOP, SAINT JOHNS, FL 32259-9143

Mortgage

Document Number	0000078895,
Date	Sep 15, 2026
Instrument	202678895

Lender

Name	AMERICAN MORTGAGE ACCEPTANCE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

Mortgage

Document Number	0000078896,
Date	Sep 15, 2026
Book Page	6437/272
Instrument	202678896

Lender

Name	AMERICAN MORTGAGE ACCEPTANCE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Oct 1, 2036

Interest

Max Rate	-1%

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOHNS FL
Recording Date	Apr 25, 2023
Property Address	248 CLIFTON BAY LOOP, SAINT JOHNS, FL 32259-9143
Document Number	0057450814
Book / Page	5745 / 814
Map Reference	MB 88 PG 52
Instrument Date	Mar 21, 2023
Instrument	2023030836
Transaction Type	Transfer
Record Updated	May 10, 2023
Title Company	NATIONAL LINK

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6203 CORPORATE CENTRE BLVD, ORLANDO, FL 32822-3588

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	248 CLIFTON BAY LOOP, SAINT JOHNS, FL 32259-9143

September 2020: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Sep 8, 2020
Property Address	248 CLIFTON BAY LOOP, SAINT JOHNS, FL 32259-9143
Document Number	0050351924
Book / Page	5035 / 1924
Map Reference	MB 88 PG 52
Instrument Date	Aug 31, 2020
Instrument	2020075756
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 31, 2021
Title Company	CALATLANTIC TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,520.00
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	248 CLIFTON BAY LOOP, SAINT JOHNS, FL 32259-9143

Mortgage

Document Number	50351928
Date	Sep 8, 2020
Instrument	5035/1928

Lender

Name	EAGLE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2035

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		$364,551 (-8.35%) Land $95,000 Building $269,551	$364,551 (-10.46%) Land $95,000 Building $269,551
2025	$9,180.00 (+6.53%) Homeowner's exemption	$397,770 (+12.75%)	$407,142 (+7.18%) Land $95,000 Building $312,142
2024	$8,617.00 (+6.02%)
2023	$8,128.00 (+9.39%) Homeowner's exemption	$352,804 (+11.56%)	$379,872 (+5.09%) Land $95,000 Building $284,872
2022	$7,430.00 Homeowner's exemption	$316,248	$361,471 Land $84,000 Building $277,471

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 500 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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