St. Johns County property record for 345 Summercove Cir, Saint Augustine, FL 32086
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2.5 ba · 2,999 sqft · built 2005 |
| Lot Size | 0.16 acres (6,969 sqft) |
| Owner | Individual Name on File |
| Last Sale | $269,000 (Feb 2022) |
| Tax Bill | $5,079 (2025) |
| Deeds & Mortgages | Oct 2024 Second Mortgage Feb 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 135411-0340 |
| Primary APN | 135411-0340 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,999 sqft Living Area |
| Gross Area | 3,595 sqft |
| 1st Floor Area | 1,386 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| 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 | 6,969 sqft (0.16 acres) |
| Garage Type | Attached |
| Garage Area | 596 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 182 sqft |
| Patio Area | 24 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 345 SUMMERCOVE CIR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32086-5944 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 48/3-6 SUMMERHILL LOT 34 OR5485/1249 |
| Legal Range | 29E |
| Legal Township | 08S |
| Legal Section | 01 |
| Legal Subdivision | SUMMERHILL |
| Legal Block | 2 |
| Legal Lot Number | 34 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 21301 |
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 | Individual Name on File |
|---|---|
| Mailing Address | 345 SUMMERCOVE CIR, SAINT AUGUSTINE, FL 32086-5944 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 16, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage VYSTAR CU |
| Feb 3, 2022 | Warranty Deed, Transfer · FHA Mortgage PEOPLES BANK |
| Dec 23, 2020 | Warranty Deed, Transfer LAND TITLE/AMERICA INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 3, 2022 · Amount on File |
| Deed Sale | Feb 3, 2022 · Amount on File |
| Prior Sale | Dec 23, 2020 · Amount on File |
| Deed Document Number | 202212747 |
| Deed Book / Page | 5485 / 1249 |
| Prior Transfer Date | Apr 27, 2013 |
| Prior Transfer Doc | 0037250065 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 345 SUMMERCOVE CIR, SAINT AUGUSTINE, FL 32086-5944 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 345 SUMMERCOVE CIR, SAINT AUGUSTINE, FL 32086-5944 |
| Document Number | 0060370109 |
|---|---|
| Date | Oct 16, 2024 |
| Book Page | 6037/109 |
| Instrument | 2024080964 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Nov 1, 2039 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Feb 3, 2022 |
| Property Address | 345 SUMMERCOVE CIR, SAINT AUGUSTINE, FL 32086-5944 |
| Document Number | 0054851249 |
| Book / Page | 5485 / 1249 |
| Map Reference | MB 48 PG 3-6 |
| Instrument Date | Feb 3, 2022 |
| Instrument | 2022012747 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2025 |
| Title Company | ACTION TITLE SERVICES/STATE JOHNS COUNTY, ACTION TTL SVCS OF JOHNS CNT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,883.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2175 W 18TH ST, JACKSONVILLE, FL 32209-4625 |
| Name | Verified Name |
|---|---|
| Address | 345 SUMMERCOVE CIR, ST AUGUSTINE, FL 32086-5944 |
| Document Number | 0054851251 |
|---|---|
| Date | Feb 3, 2022 |
| Instrument | 5485/1251 |
| Name | PEOPLES BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Dec 23, 2020 |
| Property Address | 345 SUMMERCOVE CIR, SAINT AUGUSTINE, FL 32086-5944 |
| Document Number | 0051331202 |
| Book / Page | 005133 / 001202 |
| Instrument Date | Dec 22, 2020 |
| Instrument | 117749 |
| Transaction Type | Transfer |
| Record Updated | Jan 6, 2021 |
| Title Company | LAND TITLE/AMERICA INC |
| Amount | Amount on Record |
|---|---|
| Tax | $1,883.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2175 W 18TH ST JACKSONVILLE FL 322094625, JACKSONVILLE, FL 32209-4625 |
Source: St. Johns County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $393,386 (+0.58%) Land $80,000 Building $313,386 | $393,386 (+0.58%) Land $80,000 Building $313,386 | |
| 2025 | $5,079.00 (+1.44%) Homeowner's exemption | $391,102 (-6.55%) | $391,102 (-6.55%) Land $80,000 Building $311,102 |
| 2024 | $5,007.00 (-10.04%) Homeowner's exemption | $418,519 (-) | $418,519 (-) Land $80,000 Building $338,519 |
| 2023 | $5,566.00 (+31.43%) | $418,519 (+11.22%) | $418,519 (+11.22%) Land $80,000 Building $338,519 |
| 2022 | $4,235.00 | $376,304 | $376,304 Land $78,400 Building $297,904 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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 |
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