316 Summerset Dr, Saint Johns, FL 32259 Property Records

St. Johns County property record for 316 Summerset Dr, Saint Johns, FL 32259

Property Summary

Property Type	Single Family Home
Details	6 bd · 5 ba · 4,291 sqft · built 2003
Lot Size	0.64 acres (27,878 sqft)
Owner	2 Individual Names on File
Last Sale	$1,145,000 (Jun 2024)
Tax Bill	$12,452 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Sep 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`001171-0230`

Property Details

APN / Parcel Number

Primary APN	`001171-0230`

Interior

Bedrooms	6 Beds
Full Baths	5 Baths
Plumbing Fixtures	21 Plumbing Fixtures
Stories	1 Story
Building Area	4,291 sqft Living Area
Gross Area	5,700 sqft
1st Floor Area	2,986 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2008
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	27,878 sqft (0.64 acres)
Garage Type	Attached
Garage Area	752 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	540 sqft
Porch	Finished Screened Porch
Porch Area	853 sqft
Deck Area	Deck Area
Patio Area	1,000 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	316 SUMMERSET DR
City	SAINT JOHNS
State	FL
Zip	32259-8884
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	39/77-90 BARTRAM PLANTATION PHASE 1 LOT 23 OR5976/1919
Legal Range	26E
Legal Township	05S
Legal Section	44
Legal Subdivision	BARTRAM PLANTATION PHASE 1
Legal Phase	1
Legal Block	1
Legal Lot Number	23
Jurisdiction	ST JOHNS FL
Township / Civil Division	FRUIT COVE
Census Block Group	1
Census Block	1008
Census Tract	20807

Owner

316 Summerset Dr is owned and occupied by two individuals who bought it in June 2024.

Source: St. Johns County records, as of June 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 1314, PROSPER, TX 75078-4421
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Mar 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Sep 19, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2024 · Amount on File
Deed Sale	Jun 28, 2024 · Amount on File
Prior Sale	May 31, 2016 · Amount on File
Deed Document Number	202451203
Deed Book / Page	5976 / 1919
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	316 SUMMERSET DR, SAINT JOHNS, FL 32259-8884
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 SUMMERSET DR, SAINT JOHNS, FL 32259-8884

Mortgage

Document Number	0051930419
Date	Mar 1, 2021
Book Page	5193/419
Instrument	2021022591

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 1, 2036

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	316 SUMMERSET DR, SAINT JOHNS, FL 32259-8884
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 SUMMERSET DR, SAINT JOHNS, FL 32259-8884

Mortgage

Document Number	0056360650
Date	Sep 19, 2022
Book Page	5636/650
Instrument	2022089382

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Sep 1, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 316 Summerset Dr was $12,452 with a homeowner's exemption, up 77% 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		$925,837 (-1.35%) Land $200,000 Building $725,837	$925,837 (-1.35%) Land $200,000 Building $725,837
2025	$12,452.00 (+77%) Homeowner's exemption	$938,517	$938,517 Land $215,000 Building $723,517
2024	$7,035.00 (+1.9%)
2023	$6,904.00 (+2.57%) Homeowner's exemption	$563,279 (+3%)	$877,171 (+6.28%) Land $190,000 Building $687,171
2022	$6,731.00 Homeowner's exemption	$546,873	$825,377 Land $162,400 Building $662,977

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 316 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 316 Summerset Dr is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 52% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% 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.

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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