St. Johns County property record for 288 Cloverbank Rd, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 4.5 ba · 4,742 sqft · built 2020 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $595,040 (Oct 2020) |
| Tax Bill | $7,991 (2025) |
| Deeds & Mortgages | Jan 2024 Line of Credit Jan 2022 Second Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 028991-2390 |
| Primary APN | 028991-2390 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 22 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 4,742 sqft Living Area |
| Gross Area | 5,484 sqft |
| 1st Floor Area | 3,060 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 | 9,583 sqft (0.22 acres) |
| Garage Type | Attached |
| Garage Area | 742 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 188 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 288 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 239 OR5070/1377 |
| Legal Range | 28E |
| Legal Township | 07S |
| Legal Section | 41 |
| Legal Subdivision | GRAN LAKE PHASE 2 |
| Legal Phase | 2 |
| Legal Block | 1 |
| Legal Lot Number | 239 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 20906 |
288 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 of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 288 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9361 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 31, 2024 | Deed of Trust, Mortgage · Line of Credit UNITED BANK |
| Jan 19, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage UNITED BANK |
| Oct 14, 2020 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage UNITED BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 14, 2020 · Amount on File |
| Deed Sale | Oct 14, 2020 · Amount on File |
| Deed Document Number | 202090782 |
| Deed Book / Page | 5070 / 1377 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 288 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9361 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 268 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9361 |
| Document Number | 0058930544 |
|---|---|
| Date | Jan 31, 2024 |
| Book Page | 5893/544 |
| Instrument | 2024007582 |
| Name | UNITED BANK |
|---|---|
| Type | Bank |
| Address | FAIRFAX, VA 22030 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Feb 15, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 288 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9361 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 288 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9361 |
| Document Number | 0054720609 |
|---|---|
| Date | Jan 19, 2022 |
| Book Page | 5472/609 |
| Instrument | 2022006426 |
| Name | UNITED BANK |
|---|---|
| Type | Bank |
| Address | FAIRFAX, VA 22030 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Jan 29, 2023 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Oct 14, 2020 |
| Property Address | 288 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9361 |
| Document Number | 0050701377 |
| Book / Page | 5070 / 1377 |
| Map Reference | MB 93 PG 36-44 |
| Instrument Date | Oct 13, 2020 |
| Instrument | 2020090782 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 28, 2022 |
| Title Company | GOLDEN DOG TITLE & TRUST |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,165.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14701 PHILIPS HWY STE 300, 14701, JACKSONVILLE, FL 32256-3742 |
| Name | Verified Name |
|---|---|
| Address | 288 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9361 |
| Document Number | 0050701379 |
|---|---|
| Date | Oct 14, 2020 |
| Instrument | 5070/1379 |
| Name | UNITED BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Sep 1, 2050 |
The 2025 property tax bill for 288 Cloverbank Rd was $7,991 with a homeowner's exemption, up 27.9% 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 | $623,691 (+2.7%) | $767,223 (-5.14%) Land $125,000 Building $642,223 | |
| 2025 | $7,991.00 (+27.88%) Homeowner's exemption | $607,294 (+17.34%) | $808,802 (+6.71%) Land $115,000 Building $693,802 |
| 2024 | $6,249.00 (+1.91%) Homeowner's exemption | $517,532 (+3%) | $757,965 (+4.11%) Land $110,000 Building $647,965 |
| 2023 | $6,132.00 (+2.61%) Homeowner's exemption | $502,458 (+3%) | $728,051 (+14.78%) Land $106,000 Building $622,051 |
| 2022 | $5,976.00 Homeowner's exemption | $487,823 | $634,276 Land $84,000 Building $550,276 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 288 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 288 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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