St. Johns County property record for 304 Summercove Cir, Saint Augustine, FL 32086
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2.5 ba · 3,005 sqft · built 2005 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Company Name on Record |
| Last Sale | $339,500 (Feb 2021) |
| Tax Bill | $5,017 (2025) |
| Deeds & Mortgages | Feb 2021 Sale & Mortgage Jun 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 135411-0080 |
| Primary APN | 135411-0080 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 3,005 sqft Living Area |
| Gross Area | 3,589 sqft |
| 1st Floor Area | 1,392 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.17 acres) |
| Garage Type | Attached |
| Garage Area | 584 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 54 sqft |
| Patio Area | 136 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 304 SUMMERCOVE CIR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32086-5933 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 48/3-6 SUMMERHILL LOT 8 OR5170/1739 |
| Legal Range | 29E |
| Legal Township | 08S |
| Legal Section | 01 |
| Legal Subdivision | SUMMERHILL |
| Legal Block | 2 |
| Legal Lot Number | 8 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 21301 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 304 SUMMERCOVE CIR, SAINT AUGUSTINE, FL 32086-5933 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Feb 4, 2021 | Warranty Deed, Transfer · FHA Mortgage FBC MORTGAGE LLC |
| Jun 14, 2019 | Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 4, 2021 · Amount on Record |
| Deed Sale | Feb 4, 2021 · Amount on Record |
| Prior Sale | May 13, 2005 · Amount on Record |
| Deed Document Number | 202112897 |
| Deed Book / Page | 5170 / 1739 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Feb 4, 2021 |
| Property Address | 304 SUMMERCOVE CIR, SAINT AUGUSTINE, FL 32086-5933 |
| Document Number | 0051701739 |
| Book / Page | 5170 / 1739 |
| Map Reference | MB 48 PG 3-6 |
| Instrument Date | Feb 3, 2021 |
| Instrument | 2021012897 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2025 |
| Title Company | ESTATE TITLE/STATE AUGUSTINE INC, ESTATE TTL OF ST AUGUSTINE I |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,376.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4 NAVARRA CT, SAINT AUGUSTINE, FL 32086-7644 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 304 SUMMERCOVE CIR, SAINT AUGUSTINE, FL 32086-5933 |
| Document Number | 0051701741 |
|---|---|
| Date | Feb 4, 2021 |
| Instrument | 5170/1741 |
| Name | FBC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 304 SUMMERCOVE CIR, SAINT AUGUSTINE, FL 32086-5933 |
| Document Number | 0047431718 |
| Instrument Date | Jun 14, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 2, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 304 SUMMERCOVE CIR ST AUGUSTINE FL 320865933, ST AUGUSTINE, FL 32086-5933 |
| Document Number | 0047431718 |
|---|---|
| Date | Jun 19, 2019 |
| Book Page | 004743/001718 |
| Instrument | 43193 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32210 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 18, 2034 |
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 | $391,296 (-0.05%) Land $80,000 Building $311,296 | $391,296 (-0.05%) Land $80,000 Building $311,296 | |
| 2025 | $5,017.00 (+1.29%) Homeowner's exemption Widower's exemption | $391,506 (-6.61%) | $391,506 (-6.61%) Land $80,000 Building $311,506 |
| 2024 | $4,953.00 (+0.83%) Homeowner's exemption Widower's exemption | $419,194 (+1.91%) | $419,194 (-) Land $80,000 Building $339,194 |
| 2023 | $4,912.00 (+1.55%) Homeowner's exemption Widower's exemption | $411,324 (+3%) | $419,194 (+4.97%) Land $80,000 Building $339,194 |
| 2022 | $4,837.00 Homeowner's exemption Widower's exemption | $399,344 | $399,344 Land $78,400 Building $320,944 |
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 19 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 19 in force |
| Nearby Flood Claims | 9 (1984–2017) |
| Claims Outside the SFHA | 8 of 9 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
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 | Low lower than 66% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 181 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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