St. Johns County property record for 249 Cloverbank Rd, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,306 sqft · built 2020 |
| Lot Size | 0.23 acres (10,018 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $492,837 (Oct 2020) |
| Tax Bill | $6,107 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Oct 2020 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 028991-2460 |
| Primary APN | 028991-2460 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 18 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 3,306 sqft Living Area |
| Gross Area | 4,350 sqft |
| 1st Floor Area | 2,801 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 | 10,018 sqft (0.23 acres) |
| Garage Type | Attached |
| Garage Area | 640 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 404 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 249 CLOVERBANK RD |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-9362 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 93/36-44 GRAN LAKE PHASE 2 LOT 246 OR5060/716 |
| Legal Range | 28E |
| Legal Township | 07S |
| Legal Section | 41 |
| Legal Subdivision | GRAN LAKE PHASE 2 |
| Legal Phase | 2 |
| Legal Block | 1 |
| Legal Lot Number | 246 |
| 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 are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 249 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9362 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage DISCOVER BANK |
| Oct 2, 2020 | Grant Deed, Subdivision Related Transfer GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TR |
| Mar 27, 2020 | Loan Modification, Mortgage · Line of Credit AMERIS BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 2, 2020 · Amount on Record |
| Deed Sale | Oct 2, 2020 · Amount on Record |
| Deed Document Number | 202086316 |
| Deed Book / Page | 5060 / 716 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 249 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9362 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 249 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9362 |
| Document Number | 0054510970 |
|---|---|
| Date | Dec 22, 2021 |
| Book Page | 5451/970 |
| Instrument | 2021138235 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | NEW CASTLE, DE 19720 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Dec 20, 2031 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Oct 2, 2020 |
| Property Address | 249 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9362 |
| Document Number | 0050600716 |
| Book / Page | 005060 / 000716 |
| Instrument Date | Sep 30, 2020 |
| Instrument | 86316 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Oct 22, 2020 |
| Title Company | GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TR |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,450.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 249 CLOVERBANK RD ST AUGUSTINE FL 320929362, ST AUGUSTINE, FL 32092-9362 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 249 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9362 |
| Document Number | 0049141393 |
| Instrument Date | Mar 27, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 25, 2020 |
| Title Company | GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TR |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Investor | Possibly a Property Investor |
| Document Number | 0049141393 |
|---|---|
| Date | Apr 2, 2020 |
| Book Page | 004914/001393 |
| Instrument | 26020 |
| Name | AMERIS BK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $485,152 (+2.7%) | $619,589 (-3.69%) Land $125,000 Building $494,589 | |
| 2025 | $6,107.00 (+11.99%) Homeowner's exemption Disabled Person's exemption | $472,397 (+2.9%) | $643,322 (+1.08%) Land $115,000 Building $528,322 |
| 2024 | $5,453.00 (+1.96%) Homeowner's exemption Disabled Person's exemption | $459,084 (+3%) | $636,478 (+7.84%) Land $110,000 Building $526,478 |
| 2023 | $5,348.00 (+1.6%) Homeowner's exemption Disabled Person's exemption | $445,713 (+3%) | $590,221 (+10.57%) Land $106,000 Building $484,221 |
| 2022 | $5,264.00 Homeowner's exemption Disabled Person's exemption | $432,731 | $533,785 Land $84,000 Building $449,785 |
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 45% of the US · lower than 84% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | None beyond ember reach |
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures