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

St. Johns County property record for 292 Clifton Bay Loop, Saint Johns, FL 32259

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,943 sqft · built 2019
Lot Size	0.11 acres (4,791 sqft)
Owner	Individual Name on File
Last Sale	$495,000 (Sep 2022)
Tax Bill	$8,640 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Apr 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`023719-0830`

Property Details

APN / Parcel Number

Primary APN	`023719-0830`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	1,943 sqft Living Area
Gross Area	2,541 sqft
1st Floor Area	1,710 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	418 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	292 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 83 OR5631/1761
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	83
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2018
Census Tract	20904

Owner

292 Clifton Bay Loop is owned and occupied by an individual who bought it in September 2022.

Source: St. Johns County records, as of April 13, 2026

Owner of Record	Individual Name on File
Mailing Address	292 CLIFTON BAY LOOP, SAINT JOHNS, FL 32259-9143
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2022	Warranty Deed, Transfer · Conventional Mortgage BANK OF ENGLAND
Apr 22, 2021	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jul 6, 2020	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 9, 2022 · Amount on File
Deed Sale	Sep 9, 2022 · Amount on File
Prior Sale	Apr 22, 2021 · Amount on File
Deed Document Number	202286772
Deed Book / Page	5631 / 1761
Record Updated	Jun 8, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Sep 9, 2022
Property Address	292 CLIFTON BAY LOOP, SAINT JOHNS, FL 32259-9143
Document Number	0056311761
Book / Page	5631 / 1761
Map Reference	MB 88 PG 52-69
Instrument Date	Sep 2, 2022
Instrument	2022086772
Transaction Type	Transfer
Record Updated	May 23, 2023
Title Company	LANDMARK TITLE, LANDMARK TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,465.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	205 STELLAR CT, PONTE VEDRA BEACH, FL 32082-4040

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	292 CLIFTON BAY LOOP, SAINT JOHNS, FL 32259-9143

Mortgage

Document Number	0056311763
Date	Sep 9, 2022
Instrument	5631/1763

Lender

Name	BANK OF ENGLAND
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Apr 22, 2021
Property Address	292 CLIFTON BAY LOOP, SAINT JOHNS, FL 32259-9143
Document Number	0052441827
Book / Page	5244 / 1827
Map Reference	MB 88 PG 52-69
Instrument Date	Apr 16, 2021
Instrument	2021045085
Transaction Type	Transfer
Record Updated	May 23, 2023
Title Company	LANDMARK TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,625.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	493 N 414 E, VALPARAISO, IN 46383-8464

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	292 CLIFTON BAY LOOP, SAINT JOHNS, FL 32259-9143

Mortgage

Document Number	0052441829
Date	Apr 22, 2021
Instrument	5244/1829

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

July 2020: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jul 6, 2020
Property Address	292 CLIFTON BAY LOOP, SAINT JOHNS, FL 32259-9143
Document Number	0049820379
Book / Page	4982 / 379
Map Reference	MB 88 PG 52
Instrument Date	Jun 24, 2020
Instrument	2020053591
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 31, 2021
Title Company	CALATLANTIC TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,345.00
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	292 CLIFTON BAY LOOP, SAINT JOHNS, FL 32259-9143

Mortgage

Document Number	4982383
Date	Jul 6, 2020
Instrument	4982/383

Lender

Name	EAGLE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 292 Clifton Bay Loop was $8,640 with a homeowner's exemption, up 6.3% from the year before.

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		$364,692 (+1.96%) Land $95,000 Building $269,692	$364,692 (-10.47%) Land $95,000 Building $269,692
2025	$8,640.00 (+6.29%) Homeowner's exemption	$357,685 (+2.9%)	$407,339 (-7.66%) Land $95,000 Building $312,339
2024	$8,129.00 (+2.46%) Homeowner's exemption	$347,604 (+3%)	$441,130 (+15.2%) Land $110,000 Building $331,130
2023	$7,934.00 (-0.59%) Homeowner's exemption	$337,480 (-7.37%)	$382,930 (+5.1%) Land $95,000 Building $287,930
2022	$7,981.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$364,338	$364,338 Land $84,000 Building $280,338

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

Flood

FEMA maps place 292 Clifton Bay Loop in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 292 Clifton Bay Loop is moderate, ranking above 51% 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 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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