385 Summerset Dr, Saint Johns, FL 32259 Property Records

St. Johns County property record for 385 Summerset Dr, Saint Johns, FL 32259

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,366 sqft · built 2004
Lot Size	0.51 acres (22,215 sqft)
Owner	2 Individual Names on Record
Last Sale	$630,000 (Aug 2006)
Tax Bill	$6,191 (2025)
Deeds & Mortgages	May 2017 Mortgage May 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`001171-0470`

Property Details

APN / Parcel Number

Primary APN	`001171-0470`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	20 Plumbing Fixtures
Stories	1 Story
Building Area	3,366 sqft Living Area
Gross Area	4,348 sqft
1st Floor Area	2,267 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	22,215 sqft (0.51 acres)
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	456 sqft
Patio Area	700 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	385 SUMMERSET DR
City	SAINT JOHNS
State	FL
Zip	32259-8885
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	39/77-90 BARTRAM PLANTATION PHASE 1 LOT 47 OR3816/416
Legal Range	26E
Legal Township	05S
Legal Section	44
Legal Subdivision	BARTRAM PLANTATION PHASE 1
Legal Phase	1
Legal Block	1
Legal Lot Number	47
Jurisdiction	ST JOHNS FL
Township / Civil Division	FRUIT COVE
Census Block Group	1
Census Block	1008
Census Tract	20807

Owner

Source: St. Johns County records, as of June 17, 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	385 SUMMERSET DR, SAINT JOHNS, FL 32259-8885
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 30, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
May 30, 2017	Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2006 · Amount on Record
Deed Sale	Aug 28, 2006 · Amount on Record
Prior Sale	Jan 12, 2004 · Amount on Record
Deed Document Number	200664480
Deed Book / Page	2772 / 278
Last Transfer Date	Nov 12, 2013
Transfer Doc	0038160416
Record Updated	Oct 29, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	385 SUMMERSET DR, SAINT JOHNS, FL 32259-8885
Document Number	0043841240
Instrument Date	May 30, 2017
Transaction Type	Mortgage
Record Updated	Nov 16, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	385 SUMMERSET DR ST JOHNS FL 322598885, ST JOHNS, FL 32259-8885

Mortgage

Document Number	0043841240
Date	Jun 6, 2017
Book Page	004384/001240
Instrument	38832

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	996 Months
Due	Jun 5, 2100

Interest

Rate Type	Adjustable Rate
Rate	4.41%

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	385 SUMMERSET DR, SAINT JOHNS, FL 32259-8885
Document Number	0043841223
Instrument Date	May 30, 2017
Transaction Type	Mortgage
Record Updated	Jun 22, 2017
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	385 SUMMERSET DR ST JOHNS FL 322598885, ST JOHNS, FL 32259-8885

Mortgage

Document Number	0043841223
Date	Jun 6, 2017
Book Page	004384/001223
Instrument	38831

Lender

Name	AMERICAN ADVISORS
Address	ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	996 Months
Due	Jun 5, 2100

Interest

Rate Type	Adjustable Rate
Rate	4.41%

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		$486,412 (+2.7%)	$691,208 (+0.58%) Land $200,000 Building $491,208
2025	$6,191.00 (+11.93%) Homeowner's exemption	$473,624 (+2.9%)	$687,232 (-1.32%) Land $215,000 Building $472,232
2024	$5,531.00 (+1.94%) Homeowner's exemption	$460,276 (+3%)	$696,457 (-2.59%) Land $200,000 Building $496,457
2023	$5,426.00 (+2.67%) Homeowner's exemption	$446,870 (+3%)	$714,986 (+7.95%) Land $190,000 Building $524,986
2022	$5,285.00 Homeowner's exemption	$433,854	$662,356 Land $162,400 Building $499,956

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 50% of the US · lower than 79% of Florida
Wildfire Likelihood	0.08% 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	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 126 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: IQ Fiber.

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