St. Johns County property record for 328 Summercove Cir, Saint Augustine, FL 32086
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,745 sqft · built 2004 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $390,000 (Sep 2022) |
| Tax Bill | $3,903 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Mar 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 135411-0140 |
| Primary APN | 135411-0140 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,745 sqft Living Area |
| Gross Area | 2,191 sqft |
| 1st Floor Area | 1,745 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.17 acres) |
| Garage Type | Attached |
| Garage Area | 446 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 56 sqft |
| Patio Area | 128 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 328 SUMMERCOVE CIR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32086-5933 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 48/3-6 SUMMERHILL LOT 14 OR5637/825 |
| Legal Range | 29E |
| Legal Township | 08S |
| Legal Section | 01 |
| Legal Subdivision | SUMMERHILL |
| Legal Block | 2 |
| Legal Lot Number | 14 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 21301 |
Source: St. Johns County records · APN 135411-0140
Assessment roll updated April 13, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 328 SUMMERCOVE CIR, SAINT AUGUSTINE, FL 32086-5933 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jul 21, 2026 | Warranty Deed, Transfer · VA Mortgage NAVY FEDERAL CREDIT UNION |
| Mar 23, 2021 | Deed of Trust, Mortgage · FHA Mortgage AMERIHOME MORTGAGE COMPANY LLC |
| Jul 12, 2022 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Sep 21, 2022 | Warranty Deed, Transfer · Conventional Mortgage QUONTIC BANK FSB |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 21, 2022 · Amount on Record |
| Deed Sale | Sep 21, 2022 · Amount on Record |
| Prior Sale | Mar 22, 2019 · Amount on Record |
| Deed Document Number | 202290001 |
| Deed Book / Page | 5637 / 825 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jul 21, 2026 |
| Property Address | 328 SUMMERCOVE CIR, SAINT AUGUSTINE, FL 32086-5933 |
| Document Number | 0000062080 |
| Book / Page | 6405 / 226 |
| Instrument Date | Jul 17, 2026 |
| Instrument | 202662080 |
| Transaction Type | Transfer |
| Record Updated | Aug 04, 2026 |
| Title Company | TITLE OF FLORIDA, BEYCOME TITLE OF FLORIDA LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $289,870.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 328 SUMMERCOVE CIR, SAINT AUGUSTINE, FL 32086-5933 |
| Document Number | 0000062081, |
|---|---|
| Date | Jul 21, 2026 |
| Book Page | 6405/228 |
| Instrument | 202662081 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.48% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 328 SUMMERCOVE CIR, SAINT AUGUSTINE, FL 32086-5933 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 328 SUMMERCOVE CIR, SAINT AUGUSTINE, FL 32086-5933 |
| Document Number | 0052141277 |
|---|---|
| Date | Mar 23, 2021 |
| Book Page | 5214/1277 |
| Instrument | 2021031628 |
| Name | AMERIHOME MORTGAGE COMPANY LLC |
|---|---|
| Type | Mortgage Company |
| Address | THOUSAND OAKS, CA 91362 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 328 SUMMERCOVE CIR, SAINT AUGUSTINE, FL 32086-5933 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 328 SUMMERCOVE CIR, SAINT AUGUSTINE, FL 32086-5933 |
| Document Number | 0055950736 |
|---|---|
| Date | Jul 12, 2022 |
| Book Page | 5595/736 |
| Instrument | 2022067987 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jun 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Sep 21, 2022 |
| Property Address | 328 SUMMERCOVE CIR, SAINT AUGUSTINE, FL 32086-5933 |
| Document Number | 0056370825 |
| Book / Page | 5637 / 825 |
| Map Reference | MB 48 PG 3-6 |
| Instrument Date | Sep 16, 2022 |
| Instrument | 2022090001 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2025 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,730.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3589 DATURA ST, ST AUGUSTINE, FL 32084-8519 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 328 SUMMERCOVE CIR, ST AUGUSTINE, FL 32086-5933 |
| Document Number | 0005637827 |
|---|---|
| Date | Sep 21, 2022 |
| Instrument | 5637/827 |
| Name | QUONTIC BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2052 |
Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $168,148 (-44.65%) Land $80,000 Building $88,148 | $168,148 (-44.65%) Land $80,000 Building $88,148 | |
| 2025 | $3,903.00 (+2.33%) Homeowner's exemption | $303,768 (-6.06%) | $303,768 (-6.06%) Land $80,000 Building $223,768 |
| 2024 | $3,814.00 (-13.16%) Homeowner's exemption | $323,363 (-0.81%) | $323,363 (-0.81%) Land $80,000 Building $243,363 |
| 2023 | $4,392.00 (+101.47%) | $326,008 | $326,008 Land $80,000 Building $246,008 |
| 2022 | $2,180.00 |
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 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 |
| 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 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 | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
Based on FCC filings for 181 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 | SJCU-CR214 MAINLAND WTP serves 66,953 people |
|---|---|
| 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 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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