305 Summerset Dr, Saint Johns, FL 32259 Property Records

St. Johns County property record for 305 Summerset Dr, Saint Johns, FL 32259

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,703 sqft · built 2004
Lot Size	0.6 acres (26,136 sqft)
Owner	2 Individual Names on File
Last Sale	$454,000 (Nov 2020)
Tax Bill	$334 (2025)
Deeds & Mortgages	Oct 2025 Second Mortgage Jul 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`001171-0270`

Property Details

APN / Parcel Number

Primary APN	`001171-0270`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	16 Plumbing Fixtures
Stories	1 Story
Building Area	2,703 sqft Living Area
Gross Area	3,317 sqft
1st Floor Area	2,703 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2009
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	26,136 sqft (0.6 acres)
Garage Type	Attached
Garage Area	614 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	247 sqft
Patio Area	808 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	305 SUMMERSET DR
City	SAINT JOHNS
State	FL
Zip	32259-8885
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	39/77-90 BARTRAM PLANTATION PHASE 1 LOT 27 OR5106/1930
Legal Range	26E
Legal Township	05S
Legal Section	44
Legal Subdivision	BARTRAM PLANTATION PHASE 1
Legal Phase	1
Legal Block	1
Legal Lot Number	27
Jurisdiction	ST JOHNS FL
Township / Civil Division	FRUIT COVE
Census Block Group	1
Census Block	1008
Census Tract	20807

Owner

305 Summerset Dr is owned and occupied by two individuals who bought it in November 2020.

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	2 Individual Names on File
Mailing Address	305 SUMMERSET DR, SAINT JOHNS, FL 32259-8885
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NATIONSTAR MORTGAGE LLC
Jul 3, 2018	Deed of Trust, Mortgage · Commercial Mortgage COMPASS BANK
Nov 24, 2020	Warranty Deed, Transfer · VA Mortgage NATIONSTAR MORTGAGE LLC
May 19, 2017	Warranty Deed, Transfer SHEFFIELD AND BOATRIGHT TITLE SV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 24, 2020 · Amount on File
Deed Sale	Nov 24, 2020 · Amount on File
Prior Sale	May 19, 2017 · Amount on File
Deed Document Number	2020106675
Deed Book / Page	5106 / 1930
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	305 SUMMERSET DR, SAINT JOHNS, FL 32259-8885
Transaction Type	Mortgage
Record Updated	Oct 16, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 SUMMERSET DR, ST JOHNS, FL 32259-8885

Mortgage

Document Number	0062321429
Date	Oct 3, 2025
Book Page	6232/1429
Instrument	2025081062

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Oct 1, 2045

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	305 SUMMERSET DR, SAINT JOHNS, FL 32259-8885
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0045740012
Date	Jul 3, 2018
Book Page	4574/0012
Instrument	2018047235

Lender

Name	COMPASS BANK
Type	Bank
Address	ORANGE PARK, FL 32073

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	299 Months
Due	Jun 22, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Nov 24, 2020
Property Address	305 SUMMERSET DR, SAINT JOHNS, FL 32259-8885
Document Number	0051061930
Book / Page	5106 / 1930
Map Reference	MB 39 PG 77-99
Instrument Date	Nov 19, 2020
Instrument	2020106675
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	US PATRIOT TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,178.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	305 SUMMERSET DR, 305, JACKSONVILLE, FL 32259-8885

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	305 SUMMERSET DR, JACKSONVILLE, FL 32259-8885

Mortgage

Document Number	51061932
Date	Nov 24, 2020
Instrument	5106/1932

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	May 19, 2017
Property Address	305 SUMMERSET DR, SAINT JOHNS, FL 32259-8885
Document Number	0043760533
Book / Page	004376 / 000533
Instrument Date	May 16, 2017
Instrument	34775
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	SHEFFIELD AND BOATRIGHT TITLE SV

Transaction

Amount	Amount on Record
Tax	$2,450.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 SUMMERSET DR JACKSONVILLE FL 322598885, JACKSONVILLE, FL 32259-8885

Tax Assessment & Valuation

The 2025 property tax bill for 305 Summerset Dr was $334 with a veteran's exemption, up 31.5% 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		$628,144 (+0.54%) Land $200,000 Building $428,144	$628,144 (-0.46%) Land $200,000 Building $428,144
2025	$334.00 (+31.5%) Disabled Person's exemption Veteran's exemption	$624,773 (+2.9%)	$631,022 (+3.93%) Land $215,000 Building $416,022
2024	$254.00 (-96.19%) Disabled Person's exemption Veteran's exemption	$607,165 (+10.45%)	$607,165 (+10.45%) Land $200,000 Building $407,165
2023	$6,668.00 (-4.29%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$549,710 (-3.6%)	$549,710 (-4.63%) Land $190,000 Building $359,710
2022	$6,967.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$570,238	$576,400 Land $162,400 Building $414,000

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

Flood

FEMA maps place 305 Summerset Dr in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1997.

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 189 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	189 in force
Nearby Flood Claims	4 (1997–2017)
Claims Outside the SFHA	3 of 4
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.

Wildfire

Wildfire risk around 305 Summerset Dr is moderate, ranking above 50% of the US, with a 0.09% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 50% of the US · lower than 79% of Florida
Wildfire Likelihood	0.09% 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 126 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: IQ Fiber.

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