344 Summercove Cir, Saint Augustine, FL 32086 Property Records

St. Johns County property record for 344 Summercove Cir, Saint Augustine, FL 32086

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 3,045 sqft · built 2005
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$445,000 (Feb 2022)
Tax Bill	$5,765 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`135411-0180`

Property Details

APN / Parcel Number

Primary APN	`135411-0180`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	3,045 sqft Living Area
Gross Area	3,881 sqft
1st Floor Area	1,432 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Concrete
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	596 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	333 sqft
Patio Area	128 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	344 SUMMERCOVE CIR
City	SAINT AUGUSTINE
State	FL
Zip	32086-5933
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	48/3-6 SUMMERHILL LOT 18 OR5488/1992
Legal Range	29E
Legal Township	08S
Legal Section	01
Legal Subdivision	SUMMERHILL
Legal Block	2
Legal Lot Number	18
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2004
Census Tract	21301

Owner

344 Summercove Cir is owned and occupied by an individual who bought it in February 2022.

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

Owner of Record	Individual Name on File
Mailing Address	344 SUMMERCOVE CIR, SAINT AUGUSTINE, FL 32086-5933
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 9, 2022 · Amount on File
Deed Sale	Feb 9, 2022 · Amount on File
Prior Sale	Aug 1, 2012 · Amount on File
Deed Document Number	202214493
Deed Book / Page	5488 / 1992
Prior Transfer Date	Jun 18, 2012
Prior Transfer Doc	0035770800
Record Updated	Oct 29, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Feb 9, 2022
Property Address	344 SUMMERCOVE CIR, SAINT AUGUSTINE, FL 32086-5933
Document Number	0054881992
Book / Page	5488 / 1992
Map Reference	MB 48 PG 3-6
Instrument Date	Feb 8, 2022
Instrument	2022014493
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	ACTION TITLE SERVICES/STATE JOHNS COUNTY, ACTION TTL SVCS OF ST JOHNS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,115.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	35 TALAVERA CT, ST AUGUSTINE, FL 32086-7655

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	233 S HAMILTON SPRINGS RD, ST AUGUSTINE, FL 32084-0001

Mortgage

Document Number	0000054891
Date	Feb 9, 2022
Instrument	5489/1

Lender

Name	IVY MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 344 Summercove Cir was $5,765, up 1.7% 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		$403,455 (+0.05%) Land $80,000 Building $323,455	$403,455 (+0.05%) Land $80,000 Building $323,455
2025	$5,765.00 (+1.68%)	$403,254 (-6.64%)	$403,254 (-6.64%) Land $80,000 Building $323,254
2024	$5,670.00 (+7.2%)	$431,920 (+8.88%)	$431,920 (+8.88%) Land $80,000 Building $351,920
2023	$5,289.00 (+124.49%)	$396,705 (+88.93%)	$396,705 (+2.34%) Land $80,000 Building $316,705
2022	$2,356.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$209,974	$387,620 Land $78,400 Building $309,220

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 344 Summercove Cir in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1984.

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 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

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 344 Summercove Cir is low, with a 0.04% annual chance of wildfire.

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

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 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	SJCU-CR214 MAINLAND WTP serves 66,953 people · EPA ID FL2554447
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

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, 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 181 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20