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

St. Johns County property record for 348 Clifton Bay Loop, Saint Johns, FL 32259

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,265 sqft · built 2020
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on Record
Last Sale	$574,900 (Nov 2022)
Tax Bill	$9,509 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`023719-0750`

Property Details

APN / Parcel Number

Primary APN	`023719-0750`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	15 Plumbing Fixtures
Stories	2 Stories
Building Area	2,265 sqft Living Area
Gross Area	2,861 sqft
1st Floor Area	1,374 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Attached
Garage Area	476 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	120 sqft
Patio Area	280 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	348 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 75 OR5660/980
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	75
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2018
Census Tract	20904

Owner

Source: St. Johns County records, as of April 13, 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 Record
Mailing Address	6 CABRAS ST, SANTA RITA, GU 96915-1408
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2022	Warranty Deed, Transfer · VA Mortgage BANK OF ENGLAND
Mar 26, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jun 18, 2020	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 2022 · Amount on Record
Deed Sale	Nov 4, 2022 · Amount on Record
Prior Sale	Jun 18, 2020 · Amount on Record
Deed Document Number	2022102442
Deed Book / Page	5660 / 980
Record Updated	Jun 8, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Nov 4, 2022
Property Address	348 CLIFTON BAY LOOP, SAINT JOHNS, FL 32259-9145
Document Number	0056600980
Book / Page	5660 / 980
Map Reference	MB 88 PG 52-69
Instrument Date	Oct 31, 2022
Instrument	2022102442
Transaction Type	Transfer
Record Updated	Nov 17, 2022
Title Company	PONTE VEDRA TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$4,024.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	736 TOPSIDE DRIVE, 736, SAINT JOHNS, FL 32259

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	348 CLIFTON BAY LOOP, SAINT JOHNS, FL 32259-9145

Mortgage

Document Number	0005660982
Date	Nov 4, 2022
Instrument	5660/982

Lender

Name	BANK OF ENGLAND
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2052

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	348 CLIFTON BAY LOOP, SAINT JOHNS, FL 32259-9145
Transaction Type	Mortgage
Record Updated	Apr 7, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	348 CLIFTON BAY LOOP, SAINT JOHNS, FL 32259-9145

Mortgage

Document Number	0052190581
Date	Mar 26, 2021
Book Page	5219/581
Instrument	2021033594

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

June 2020: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jun 18, 2020
Property Address	348 CLIFTON BAY LOOP, SAINT JOHNS, FL 32259-9145
Document Number	0049671197
Book / Page	4967 / 1197
Map Reference	MB 88 PG 52
Instrument Date	Jun 10, 2020
Instrument	2020047745
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 31, 2021
Title Company	CALATLANTIC TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,669.10
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
Relationship	Joint Tenants with Right of Survivorship
Address	348 CLIFTON BAY LOOP, SAINT JOHNS, FL 32259-9145

Mortgage

Document Number	49671201
Date	Jun 18, 2020
Instrument	4967/1201

Lender

Name	EAGLE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

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		$381,634 (-9.62%) Land $95,000 Building $286,634	$381,634 (-10.64%) Land $95,000 Building $286,634
2025	$9,509.00 (+6.66%) Homeowner's exemption	$422,243 (+2.9%)	$427,062 (-6.94%) Land $95,000 Building $332,062
2024	$8,915.00 (+2.39%) Homeowner's exemption	$410,343 (+3%)	$458,894 (+15.19%) Land $110,000 Building $348,894
2023	$8,707.00 (+14.36%) Homeowner's exemption	$398,391 (+20.49%)	$398,391 (+5.96%) Land $95,000 Building $303,391
2022	$7,614.00 Homeowner's exemption	$330,652	$375,996 Land $84,000 Building $291,996

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

Flood

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 Record 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

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

Wildfire Risk	Moderate above 57% of the US · lower than 70% of Florida
Wildfire Likelihood	0.1% 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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