256 Cloverbank Rd, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 256 Cloverbank Rd, Saint Augustine, FL 32092 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,881 sqft · built 2020
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$414,990 (Apr 2020)
Tax Bill	$334 (2025)
Deeds & Mortgages	Dec 2021 Line of Credit Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`028991-2370`

Property Details

APN / Parcel Number

Primary APN	`028991-2370`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Plumbing Fixtures	16 Plumbing Fixtures
Stories	1 Story
Building Area	2,881 sqft Living Area
Gross Area	3,521 sqft
1st Floor Area	2,500 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

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	10,890 sqft (0.25 acres)
Garage Type	Attached
Garage Area	640 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	208 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	256 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 237 OR4930/1842
Legal Range	28E
Legal Township	07S
Legal Section	41
Legal Subdivision	GRAN LAKE PHASE 2
Legal Phase	2
Legal Block	1
Legal Lot Number	237
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1002
Census Tract	20906

Owner

Source: St. Johns County records · APN 028991-2370

Assessment roll updated April 13, 2026 · Last verified April 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 File
Mailing Address	256 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9361
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2021	Deed of Trust, Mortgage · Line of Credit VYSTAR CU
Oct 21, 2021	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Sep 18, 2025	Deed of Trust, Mortgage · Line of Credit VYSTAR CU
Apr 27, 2020	Warranty Deed, Subdivision Related Transfer · VA Mortgage JET HOMELOANS LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 27, 2020 · Amount on Record
Deed Sale	Apr 27, 2020 · Amount on Record
Deed Document Number	202032382
Deed Book / Page	4930 / 1842
Record Updated	Jun 08, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	256 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9361
Transaction Type	Mortgage
Record Updated	Oct 23, 2025
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	256 CLOVERBANK RD, ST AUGUSTINE, FL 32092-9361

Mortgage

Document Number	0054420160
Date	Dec 10, 2021
Book Page	5442/160
Instrument	2021133861

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Jan 01, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	256 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9361
Transaction Type	Mortgage
Record Updated	Oct 23, 2025
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0053990820
Date	Oct 21, 2021
Book Page	5399/820
Instrument	2021114676

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2051

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	256 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9361
Transaction Type	Mortgage
Record Updated	Oct 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	256 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9361

Mortgage

Document Number	0062221307
Date	Sep 18, 2025
Book Page	6222/1307
Instrument	2025076101

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Oct 01, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Apr 27, 2020
Property Address	256 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9361
Document Number	0049301842
Book / Page	4930 / 1842
Map Reference	MB 93 PG 36-44
Instrument Date	Apr 24, 2020
Instrument	2020032382
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 28, 2022
Title Company	GOLDEN DOG TITLE & TRUST

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,905.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14701 PHILIPS HWY STE 300, 14701, JACKSONVILLE, FL 32256-3742

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	256 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9361

Mortgage

Document Number	0049301844
Date	Apr 27, 2020
Instrument	4930/1844

Lender

Name	JET HOMELOANS LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2050

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$472,653 (+2.7%)	$574,212 (-2.23%) Land $125,000 Building $449,212
2025	$334.00 (+31.5%) Disabled Person's exemption Veteran's exemption	$460,227 (+2.9%)	$587,318 (+0.9%) Land $115,000 Building $472,318
2024	$254.00 Disabled Person's exemption Veteran's exemption	$447,257 (+3%)	$582,058 (-0.05%) Land $110,000 Building $472,058
2023	$254.00 (+7.63%) Disabled Person's exemption Veteran's exemption	$434,230 (+23.15%)	$582,355 (+31.5%) Land $106,000 Building $476,355
2022	$236.00 Disabled Person's exemption Veteran's exemption	$352,602	$442,856 Land $84,000 Building $358,856

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090209061, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 62 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	62 in force

Wildfire

Wildfire Risk	Moderate above 59% of the US · above 31% of Florida
Wildfire Likelihood	About 1 in 752 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 245 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Xfinity	Fiber	2,000 / 250
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Xfinity. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

Nearby Properties on Cloverbank Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures