St. Johns County property record for 279 Cloverbank Rd, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 3,276 sqft · built 2020 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $448,966 (Oct 2020) |
| Tax Bill | $6,273 (2025) |
| Deeds & Mortgages | Aug 2026 Line of Credit Jan 2021 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 028991-2440 |
| Primary APN | 028991-2440 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 15 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 3,276 sqft Living Area |
| Gross Area | 3,869 sqft |
| 1st Floor Area | 2,596 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| 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 | 10,454 sqft (0.24 acres) |
| Garage Type | Attached |
| Garage Area | 593 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 208 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 279 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 244 OR5086/900 |
| Legal Range | 28E |
| Legal Township | 07S |
| Legal Section | 41 |
| Legal Subdivision | GRAN LAKE PHASE 2 |
| Legal Phase | 2 |
| Legal Block | 1 |
| Legal Lot Number | 244 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 20906 |
279 Cloverbank Rd is owned and occupied by two individuals who bought it in October 2020.
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 File |
|---|---|
| Mailing Address | 279 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9362 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 28, 2026 | Deed of Trust, Mortgage · Line of Credit LENDAGE LLC |
| Jan 22, 2021 | Deed of Trust, Mortgage · Line of Credit VYSTAR CU |
| Oct 30, 2020 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FBC MORTGAGE LLC |
| May 28, 2020 | Grant Deed, Transfer DF TITLE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 30, 2020 · Amount on File |
| Deed Sale | Oct 30, 2020 · Amount on File |
| Deed Document Number | 202097586 |
| Deed Book / Page | 5086 / 900 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Aug 28, 2026 |
| Property Address | 279 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9362 |
| Document Number | 0000074315 |
| Book / Page | 6428 / 1175 |
| Instrument Date | Aug 24, 2026 |
| Instrument | 202674315 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 279 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9362 |
| Document Number | 0000074315, |
|---|---|
| Date | Aug 28, 2026 |
| Book Page | 6428/1175 |
| Instrument | 202674315 |
| Name | LENDAGE LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Sep 1, 2036 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 279 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9362 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2022 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Address | 279 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9362 |
| Document Number | 0051581449 |
|---|---|
| Date | Jan 22, 2021 |
| Book Page | 5158/1449 |
| Instrument | 2021007739 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Feb 1, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Oct 30, 2020 |
| Property Address | 279 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9362 |
| Document Number | 0050860900 |
| Book / Page | 5086 / 900 |
| Map Reference | MB 93 PG 36-44 |
| Instrument Date | Oct 30, 2020 |
| Instrument | 2020097586 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | May 23, 2023 |
| Title Company | GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TRUST |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,143.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14701 PHILIPS HWY STE 300, 300, JACKSONVILLE, FL 32256-3742 |
| Name | Verified Name |
|---|---|
| Address | 279 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9362 |
| Document Number | 0005086902 |
|---|---|
| Date | Oct 30, 2020 |
| Instrument | 5086/902 |
| Name | FBC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | May 28, 2020 |
| Property Address | 279 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9362 |
| Document Number | 0049501420 |
| Book / Page | 004950 / 001420 |
| Instrument Date | May 26, 2020 |
| Instrument | 40485 |
| Transaction Type | Transfer |
| Record Updated | Jul 16, 2020 |
| Title Company | DF TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $1,245.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 14701 PHILIPS HWY #300 JACKSONVILLE FL 322563742, 300, JACKSONVILLE, FL 32256-3742 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 279 Cloverbank Rd was $6,273 with a homeowner's exemption, up 11.9% from the year before.
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 | $492,654 (+2.7%) | $618,699 (-3.57%) Land $125,000 Building $493,699 | |
| 2025 | $6,273.00 (+11.92%) Homeowner's exemption | $479,702 (+2.9%) | $641,614 (+1.26%) Land $115,000 Building $526,614 |
| 2024 | $5,605.00 (+1.93%) Homeowner's exemption | $466,183 (+3%) | $633,624 (+2.36%) Land $110,000 Building $523,624 |
| 2023 | $5,499.00 (+14.37%) Homeowner's exemption | $452,605 (+14.12%) | $619,045 (+25.17%) Land $106,000 Building $513,045 |
| 2022 | $4,808.00 Homeowner's exemption | $396,607 | $494,546 Land $84,000 Building $410,546 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 279 Cloverbank Rd in Zone X, an area of minimal flood risk.
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 File 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.
Wildfire risk around 279 Cloverbank Rd is moderate, ranking above 45% of the US, with a 0.08% annual chance of wildfire.
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 |
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