328 Clifton Bay Loop, Saint Johns, FL 32259 Property Records

St. Johns County property record for 328 Clifton Bay Loop, Saint Johns, FL 32259

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,270 sqft · built 2019
Lot Size	0.16 acres (6,969 sqft)
Owner	2 Individual Names on File
Last Sale	$599,900 (Feb 2023)
Tax Bill	$10,469 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Feb 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`023719-0780`

Property Details

APN / Parcel Number

Primary APN	`023719-0780`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	2,270 sqft Living Area
Gross Area	2,770 sqft
1st Floor Area	822 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	6,969 sqft (0.16 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	100 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	328 CLIFTON BAY LOOP
City	SAINT JOHNS
State	FL
Zip	32259-9145
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	88/52-69 TWIN CREEKS NORTH PARCELS 2 AND 3 PHASE ONE LOT 78 OR5709/1080
Legal Range	28E
Legal Township	05S
Legal Section	09
Legal Subdivision	TWIN CREEKS NORTH PARCELS 2 AND 3 PHASE
Legal Phase	1
Legal Block	1
Legal Lot Number	78
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2018
Census Tract	20904

Owner

328 Clifton Bay Loop is owned and occupied by two individuals who bought it in February 2023.

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	328 CLIFTON BAY LOOP, SAINT JOHNS, FL 32259-9145
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 15, 2023	Warranty Deed, Transfer HARBORVIEW TITLE, HARBORVIEW TITLE LLC
Aug 27, 2019	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 15, 2023 · Amount on File
Deed Sale	Feb 15, 2023 · Amount on File
Prior Sale	Aug 27, 2019 · Amount on File
Deed Document Number	202311845
Deed Book / Page	5709 / 1080
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	328 CLIFTON BAY LOOP, SAINT JOHNS, FL 32259-9145
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	328 CLIFTON BAY LOOP, SAINT JOHNS, FL 32259-9145

Mortgage

Document Number	0051761896
Date	Feb 10, 2021
Book Page	5176/1896
Instrument	2021015444

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Feb 15, 2023
Property Address	328 CLIFTON BAY LOOP, SAINT JOHNS, FL 32259-9145
Document Number	0057091080
Book / Page	5709 / 1080
Map Reference	MB 88 PG 52-69
Instrument Date	Feb 15, 2023
Instrument	2023011845
Transaction Type	Transfer
Record Updated	May 23, 2023
Title Company	HARBORVIEW TITLE, HARBORVIEW TITLE LLC

Transaction

Amount	Amount on Record
Tax	$4,199.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	328 CLIFTON BAY LOOP, SAINT JOHNS, FL 32259-9145

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	328 CLIFTON BAY LOOP, SAINT JOHNS, FL 32259-9145

August 2019: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Aug 27, 2019
Property Address	328 CLIFTON BAY LOOP, SAINT JOHNS, FL 32259-9145
Document Number	0047851274
Book / Page	4785 / 1274
Map Reference	MB 88 PG 52
Instrument Date	Aug 23, 2019
Instrument	2019063570
Transaction Type	Subdivision Related Transfer
Record Updated	May 2, 2022
Title Company	CALATLANTIC TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,523.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9440 PHILIPS HWY STE 7, 9440, JACKSONVILLE, FL 32256-1339

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	328 CLIFTON BAY LOOP, SAINT JOHNS, FL 32259-9145

Mortgage

Document Number	0047851278
Date	Aug 27, 2019
Instrument	4785/1278

Lender

Name	EAGLE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 328 Clifton Bay Loop was $10,469, up 0.6% 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		$412,744 (-9.23%) Land $95,000 Building $317,744	$412,744 (-9.23%) Land $95,000 Building $317,744
2025	$10,469.00 (+0.57%)	$454,713 (-7.21%)	$454,713 (-7.21%) Land $95,000 Building $359,713
2024	$10,410.00 (+24.76%)	$490,051 (+32.52%)	$490,051 (+13.2%) Land $110,000 Building $380,051
2023	$8,344.00 (+4.6%) Homeowner's exemption	$369,785 (+3%)	$432,904 (+5.44%) Land $95,000 Building $337,904
2022	$7,977.00 Homeowner's exemption	$359,015	$410,577 Land $84,000 Building $326,577

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

Flood

FEMA maps place 328 Clifton Bay Loop in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 206 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	206 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.

Wildfire

Wildfire risk around 328 Clifton Bay Loop is moderate, ranking above 51% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 51% of the US · lower than 78% of Florida
Wildfire Likelihood	0.08% 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 326 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Verizon Fixed Wireless	300 / 20

May also be available: Xfinity.

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