38 Cloverbrook Rd, Saint Johns, FL 32259 Property Records

St. Johns County property record for 38 Cloverbrook Rd, Saint Johns, FL 32259

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,296 sqft · built 2019
Lot Size	0.13 acres (5,662 sqft)
Owner	2 Individual Names on Record
Last Sale	$539,900 (Jun 2026)
Tax Bill	$6,824 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`000714-0460`

Property Details

APN / Parcel Number

Primary APN	`000714-0460`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Stories	2 Stories
Building Area	2,296 sqft Living Area
Gross Area	2,744 sqft
1st Floor Area	1,063 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	Composition Shingle
Lot Area	5,662 sqft (0.13 acres)
Garage Type	Attached
Garage Area	448 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	90 sqft
Patio Area	619 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	38 CLOVERBROOK RD
City	SAINT JOHNS
State	FL
Zip	32259-2364
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	92/11-23 RIVERTOWN PARCEL 13 LOT 46 OR4903/658
Legal Range	27E
Legal Township	05S
Legal Section	39
Legal Subdivision	RIVERTOWN PARCEL 13
Legal Block	1
Legal Lot Number	46
Jurisdiction	ST JOHNS FL
Township / Civil Division	FRUIT COVE
Census Block Group	1
Census Block	1048
Census Tract	20807

Owner

Source: St. Johns County records, as of July 10, 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	38 CLOVERBROOK RD, SAINT JOHNS, FL 32259-2364
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2026	Warranty Deed, Transfer · Conventional Mortgage HOMEGUARD TITLE AND TRUST, HOMEGUARD TITLE & TRUST
Jan 26, 2021	Deed of Trust, Mortgage · VA Mortgage AMERISAVE MORTGAGE CORP
Mar 17, 2020	Special Warranty Deed, Transfer · VA Mortgage MATTAMY HOME FUNDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2026 · Amount on Record
Deed Sale	Jun 29, 2026 · Amount on Record
Prior Sale	Mar 17, 2020 · Amount on Record
Deed Document Number	202655402
Deed Book / Page	6391 / 1575
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jun 29, 2026
Property Address	38 CLOVERBROOK RD, SAINT JOHNS, FL 32259-2364
Document Number	0000055402
Book / Page	6391 / 1575
Instrument Date	Jun 26, 2026
Instrument	202655402
Transaction Type	Transfer
Record Updated	Jul 10, 2026
Title Company	HOMEGUARD TITLE AND TRUST, HOMEGUARD TITLE & TRUST

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$381,709.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 CLOVERBROOK RD, SAINT JOHNS, FL 32259-2364
Investor	Possibly a Property Investor

Mortgage

Document Number	0000055403,
Date	Jun 29, 2026
Instrument	202655403

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	38 CLOVERBROOK RD, SAINT JOHNS, FL 32259-2364
Transaction Type	Mortgage
Record Updated	Aug 31, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 CLOVERBROOK RD, SAINT JOHNS, FL 32259-2364

Mortgage

Document Number	0051601922
Date	Jan 26, 2021
Book Page	5160/1922
Instrument	2021008665

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

March 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Mar 17, 2020
Property Address	38 CLOVERBROOK RD, SAINT JOHNS, FL 32259-2364
Document Number	0049030658
Book / Page	4903 / 658
Map Reference	MB 92 PG 11-23
Instrument Date	Mar 6, 2020
Instrument	2020021294
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	SHEFFIELD & BOATRIGHT TTL SV

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,296.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7800 BELFORT PKWY, 7800, JACKSONVILLE, FL 32256-6941

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 CLOVERBROOK RD, ST JOHNS, FL 32259-2364

Mortgage

Document Number	49030659
Date	Mar 17, 2020
Instrument	4903/0659

Lender

Name	MATTAMY HOME FUNDING LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 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		$346,142 (+2.7%)	$460,747 (+0.05%) Land $125,000 Building $335,747
2025	$6,824.00 (+10.6%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$337,042 (+6.82%)	$460,525 (+0.89%) Land $115,000 Building $345,525
2024	$6,170.00 (+1.1%)
2023	$6,103.00 (+1.99%) Homeowner's exemption	$315,527 (+3%)	$456,468 (+5.34%) Land $115,000 Building $341,468
2022	$5,984.00 Homeowner's exemption	$306,337	$433,347 Land $112,000 Building $321,347

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 189 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	189 in force
Nearby Flood Claims	4 (1997–2017)
Claims Outside the SFHA	3 of 4
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

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

Wildfire Risk	Moderate above 44% of the US · lower than 85% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Fiber · Cable in parts of the area	2,000 / 2,000

May also be available: Verizon.

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