St. Johns County property record for 321 Summerset Dr, Saint Johns, FL 32259
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 5 ba · 3,950 sqft · built 2004 |
| Lot Size | 0.91 acres (39,639 sqft) |
| Owner | Company Name on File |
| Last Sale | $543,000 (Feb 2018) |
| Tax Bill | $6,234 (2025) |
| Deeds & Mortgages | May 2023 Transfer Mar 2018 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 001171-0310 |
| Primary APN | 001171-0310 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 5 Baths |
| Plumbing Fixtures | 21 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 3,950 sqft Living Area |
| Gross Area | 4,682 sqft |
| 1st Floor Area | 2,744 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 39,639 sqft (0.91 acres) |
| Garage Type | Attached |
| Garage Area | 732 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 450 sqft |
|---|---|
| Porch | Finished/Open Porch |
| Porch Area | 231 sqft |
| Deck Area | Deck Area |
| Patio Area | 759 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 321 SUMMERSET DR |
|---|---|
| City | SAINT JOHNS |
| State | FL |
| Zip | 32259-8885 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 39/77-90 BARTRAM PLANTATION PHASE 1 LOT 31 OR4503/1384 & 5757/1294 |
| Legal Range | 26E |
| Legal Township | 05S |
| Legal Section | 44 |
| Legal Subdivision | BARTRAM PLANTATION PHASE 1 |
| Legal Phase | 1 |
| Legal Block | 1 |
| Legal Lot Number | 31 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | FRUIT COVE |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 20807 |
Source: St. Johns County records · APN 001171-0310
Assessment roll updated April 13, 2026 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 321 SUMMERSET DR, SAINT JOHNS, FL 32259-8885 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| May 15, 2023 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Mar 04, 2018 | Deed of Trust, Mortgage · Line of Credit VYSTAR CU |
| Feb 15, 2018 | Warranty Deed, Transfer · Conventional Mortgage TIAA FSB |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 15, 2018 · Amount on Record |
| Deed Sale | Feb 15, 2018 · Amount on Record |
| Prior Sale | Dec 28, 2004 · Amount on Record |
| Deed Document Number | 201810343 |
| Deed Book / Page | 4503 / 1384 |
| Last Transfer Date | May 08, 2023 |
| Transfer Doc | 0057571294 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | May 15, 2023 |
| Property Address | 321 SUMMERSET DR, SAINT JOHNS, FL 32259-8885 |
| Document Number | 0057571294 |
| Book / Page | 5757 / 1294 |
| Map Reference | MB 39 PG 77-90 |
| Instrument Date | May 08, 2023 |
| Instrument | 2023037147 |
| Transaction Type | Transfer |
| Record Updated | May 26, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 321 SUMMERSET DR, SAINT JOHNS, FL 32259-8885 |
| Name | Verified Name |
|---|---|
| Relationship | Family Revocable Trust |
| Address | 321 SUMMERSET DR, ST JOHNS, FL 32259-8885 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 321 SUMMERSET DR, SAINT JOHNS, FL 32259-8885 |
| Document Number | 0046931095 |
| Instrument Date | Mar 04, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2019 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 321 SUMMERSET DR ST JOHNS FL 322598885, ST JOHNS, FL 32259-8885 |
| Document Number | 0046931095 |
|---|---|
| Date | Mar 13, 2019 |
| Book Page | 004693/001095 |
| Instrument | 17164 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32210 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Mar 12, 2029 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Feb 15, 2018 |
| Property Address | 321 SUMMERSET DR, SAINT JOHNS, FL 32259-8885 |
| Document Number | 0045031384 |
| Book / Page | 004503 / 001384 |
| Instrument Date | Feb 12, 2018 |
| Instrument | 10343 |
| Transaction Type | Transfer |
| Record Updated | Feb 23, 2018 |
| Title Company | WATSON TITLE SERVICES/N FL INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,801.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 321 SUMMERSET DR ST JOHNS FL 322598885, ST JOHNS, FL 32259-8885 |
| Document Number | 45031386 |
|---|---|
| Date | Feb 15, 2018 |
| Book Page | 004503/001386 |
| Instrument | 10344 |
| Name | TIAA FSB |
|---|---|
| Address | JACKSONVILLE, FL 32202 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 14, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.12% |
Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $489,701 (+2.7%) | $748,124 (-1.66%) Land $200,000 Building $548,124 | |
| 2025 | $6,234.00 (+11.92%) Homeowner's exemption | $476,827 (+5.99%) | $760,769 (+1.89%) Land $215,000 Building $545,769 |
| 2024 | $5,570.00 (+1.92%) | ||
| 2023 | $5,465.00 (+2.67%) Homeowner's exemption | $449,892 (+3%) | $746,692 (+5.83%) Land $190,000 Building $556,692 |
| 2022 | $5,323.00 Homeowner's exemption | $436,788 | $705,566 Land $162,400 Building $543,166 |
Source: FEMA National Flood Hazard Layer as of September 15, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 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 |
| Wildfire Risk | Moderate above 53% of the US · lower than 75% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: AT&T.
Based on FCC filings for 65 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | JEA MAJOR GRID serves 826,664 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2026 |
| Lead | 2 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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