St. Johns County property record for 293 Cloverbank Rd, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,517 sqft · built 2020 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $426,278 (Dec 2020) |
| Tax Bill | $4,549 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage May 2025 Second Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 028991-2430 |
| Primary APN | 028991-2430 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,517 sqft Living Area |
| Gross Area | 3,283 sqft |
| 1st Floor Area | 2,517 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| 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 | 11,761 sqft (0.27 acres) |
| Garage Type | Attached |
| Garage Area | 602 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 164 sqft |
| Patio Area | 502 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 293 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 243 OR5114/1163 |
| Legal Range | 28E |
| Legal Township | 07S |
| Legal Section | 41 |
| Legal Subdivision | GRAN LAKE PHASE 2 |
| Legal Phase | 2 |
| Legal Block | 1 |
| Legal Lot Number | 243 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 20906 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 293 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9362 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 18, 2022 | Deed of Trust, Mortgage · Conventional Mortgage NBKC BANK |
| May 19, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| Dec 3, 2020 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage JET HOMELOANS LLC |
| Feb 12, 2020 | Loan Modification, Mortgage · Conventional Mortgage AMERIS BK |
| Feb 13, 2020 | Grant Deed, Transfer DF TITLE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 3, 2020 · Amount on Record |
| Deed Sale | Dec 3, 2020 · Amount on Record |
| Deed Document Number | 2020109827 |
| Deed Book / Page | 5114 / 1163 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 293 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9362 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 293 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9362 |
| Document Number | 0054960571 |
|---|---|
| Date | Feb 18, 2022 |
| Book Page | 5496/571 |
| Instrument | 2022018182 |
| Name | NBKC BANK |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64114 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 293 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9362 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 293 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9362 |
| Document Number | 0061501602 |
|---|---|
| Date | May 19, 2025 |
| Book Page | 6150/1602 |
| Instrument | 2025039015 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jun 1, 2045 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Dec 3, 2020 |
| Property Address | 293 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9362 |
| Document Number | 0051141163 |
| Book / Page | 5114 / 1163 |
| Map Reference | MB 93 PG 36-44 |
| Instrument Date | Nov 30, 2020 |
| Instrument | 2020109827 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 28, 2022 |
| Title Company | GOLDEN DOG TITLE & TRUST |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,984.10 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14701 PHILIPS HWY STE 300, 14701, JACKSONVILLE, FL 32256-3742 |
| Name | Verified Name |
|---|---|
| Address | 293 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9362 |
| Document Number | 0051141165 |
|---|---|
| Date | Dec 3, 2020 |
| Instrument | 5114/1165 |
| Name | JET HOMELOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 293 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9362 |
| Document Number | 0048821975 |
| Instrument Date | Feb 12, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 2, 2020 |
| Title Company | GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TR |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 293 CLOVERBANK RD ST AUGUSTINE FL 320929362, ST AUGUSTINE, FL 32092-9362 |
| Investor | Possibly a Property Investor |
| Document Number | 0048821975 |
|---|---|
| Date | Feb 14, 2020 |
| Book Page | 004882/001975 |
| Instrument | 11733 |
| Name | AMERIS BK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Feb 13, 2020 |
| Property Address | 293 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9362 |
| Document Number | 0048821603 |
| Book / Page | 004882 / 001603 |
| Instrument Date | Feb 12, 2020 |
| Instrument | 11622 |
| Transaction Type | Transfer |
| Record Updated | Mar 2, 2020 |
| Title Company | DF TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,751.00 |
| 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 |
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 | $361,192 (+2.7%) | $498,057 (-0.52%) Land $135,000 Building $363,057 | |
| 2025 | $4,549.00 (+12.46%) Homeowner's exemption | $351,696 (+2.9%) | $500,673 (-1.24%) Land $120,000 Building $380,673 |
| 2024 | $4,045.00 (+2.15%) Homeowner's exemption | $341,784 (+3.15%) | $506,950 (+8.2%) Land $110,000 Building $396,950 |
| 2023 | $3,960.00 (+2.86%) Homeowner's exemption | $331,359 (+3%) | $468,544 (+15.69%) Land $106,000 Building $362,544 |
| 2022 | $3,850.00 Homeowner's exemption | $321,708 | $405,002 Land $84,000 Building $321,002 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
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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