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

St. Johns County property record for 286 Clifton Bay Loop, Saint Johns, FL 32259

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,298 sqft · built 2019
Lot Size	0.11 acres (4,791 sqft)
Owner	Individual Name on Record
Last Sale	$535,000 (May 2022)
Tax Bill	$9,322 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`023719-0840`

Property Details

APN / Parcel Number

Primary APN	`023719-0840`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	2,298 sqft Living Area
Gross Area	2,794 sqft
1st Floor Area	827 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	4,791 sqft (0.11 acres)
Garage Type	Attached
Garage Area	396 sqft
Parking Spaces	1 Parking Space
Porch	Finished Screened Porch
Porch Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	286 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 84 OR5557/880
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	84
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 April 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	286 CLIFTON BAY LOOP, SAINT JOHNS, FL 32259-9143
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 12, 2022	Warranty Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Sep 11, 2020	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING LLC
Mar 14, 2022	Deed of Trust, Mortgage · Line of Credit VYSTAR CU
Sep 19, 2019	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 12, 2022 · Amount on Record
Deed Sale	May 12, 2022 · Amount on Record
Prior Sale	Sep 19, 2019 · Amount on Record
Deed Document Number	202248602
Deed Book / Page	5557 / 880
Record Updated	Jun 8, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	May 12, 2022
Property Address	286 CLIFTON BAY LOOP, SAINT JOHNS, FL 32259-9143
Document Number	0055570880
Book / Page	5557 / 880
Map Reference	MB 88 PG 52-69
Instrument Date	May 11, 2022
Instrument	2022048602
Transaction Type	Transfer
Record Updated	May 25, 2022
Title Company	AMERICAS CHOICE TITLE COMPANY, AMERICAS CHOICE TITLE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,745.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	286 CLIFTON BAY LOOP, 286, SAINT JOHNS, FL 32259-9143

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	286 CLIFTON BAY LOOP, SAINT JOHNS, FL 32259-9143

Mortgage

Document Number	0005557882
Date	May 12, 2022
Instrument	5557/882

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	286 CLIFTON BAY LOOP, SAINT JOHNS, FL 32259-9143
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	286 CLIFTON BAY LOOP, SAINT JOHNS, FL 32259-9143

Mortgage

Document Number	0050391188
Date	Sep 11, 2020
Book Page	5039/1188
Instrument	2020077411

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	286 CLIFTON BAY LOOP, SAINT JOHNS, FL 32259-9143
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	286 CLIFTON BAY LOOP, SAINT JOHNS, FL 32259-9143

Mortgage

Document Number	0055141752
Date	Mar 14, 2022
Book Page	5514/1752
Instrument	2022027354

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Sep 19, 2019
Property Address	286 CLIFTON BAY LOOP, SAINT JOHNS, FL 32259-9143
Document Number	0047971953
Book / Page	4797 / 1953
Map Reference	MB 88 PG 52
Instrument Date	Sep 17, 2019
Instrument	2019069529
Transaction Type	Subdivision Related Transfer
Record Updated	May 2, 2022
Title Company	CALATLANTIC TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,586.50
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	286 CLIFTON BAY LOOP, SAINT JOHNS, FL 32259-9143

Mortgage

Document Number	0047971957
Date	Sep 19, 2019
Instrument	4797/1957

Lender

Name	EAGLE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

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		$367,816 (-9.92%) Land $95,000 Building $272,816	$367,816 (-9.92%) Land $95,000 Building $272,816
2025	$9,322.00 (-3.55%) Homeowner's exemption	$408,323 (+6.38%)	$408,323 (+6.38%) Land $95,000 Building $313,323
2024	$9,665.00 (+7.13%)
2023	$9,022.00 (+24.82%)	$383,821 (+27.74%)	$383,821 (+4.94%) Land $95,000 Building $288,821
2022	$7,228.00 Homeowner's exemption	$300,477	$365,761 Land $84,000 Building $281,761

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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