St. Johns County property record for 389 Summercove Cir, Saint Augustine, FL 32086
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2.5 ba · 2,996 sqft · built 2005 |
| Lot Size | 0.16 acres (6,969 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $440,000 (Jun 2023) |
| Tax Bill | $5,372 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Feb 2025 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 135411-0390 |
| Primary APN | 135411-0390 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,996 sqft Living Area |
| Gross Area | 3,592 sqft |
| 1st Floor Area | 1,386 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| 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 | 173 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 389 SUMMERCOVE CIR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32086-5951 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 48/3-6 SUMMERHILL LOT 39 OR5785/368 |
| Legal Range | 29E |
| Legal Township | 08S |
| Legal Section | 01 |
| Legal Subdivision | SUMMERHILL |
| Legal Block | 2 |
| Legal Lot Number | 39 |
| 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 June 17, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 389 SUMMERCOVE CIR, SAINT AUGUSTINE, FL 32086-5951 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 18, 2025 | Deed of Trust, Mortgage · FHA Mortgage SERVICEMAC LLC |
| Feb 24, 2025 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Jun 30, 2023 | Warranty Deed, Transfer · FHA Mortgage SOUTH STATE BANK NA |
| Apr 18, 2017 | Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 30, 2023 · Amount on Record |
| Deed Sale | Jun 30, 2023 · Amount on Record |
| Prior Sale | Apr 18, 2017 · Amount on Record |
| Deed Document Number | 202351168 |
| Deed Book / Page | 5785 / 368 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 389 SUMMERCOVE CIR, SAINT AUGUSTINE, FL 32086-5951 |
| Transaction Type | Mortgage |
| Record Updated | Dec 31, 2025 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 389 SUMMERCOVE CIR, SAINT AUGUSTINE, FL 32086-5951 |
| Document Number | 0062750942 |
|---|---|
| Date | Dec 18, 2025 |
| Book Page | 6275/942 |
| Instrument | 2025102450 |
| Name | SERVICEMAC LLC |
|---|---|
| Type | Mortgage Company |
| Address | FORT MILL, SC 29707 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 389 SUMMERCOVE CIR, SAINT AUGUSTINE, FL 32086-5951 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 389 SUMMERCOVE CIR, SAINT AUGUSTINE, FL 32086-5951 |
| Document Number | 0061011950 |
|---|---|
| Date | Feb 24, 2025 |
| Book Page | 6101/1950 |
| Instrument | 2025013533 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 481 Months |
| Due | Mar 1, 2065 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jun 30, 2023 |
| Property Address | 389 SUMMERCOVE CIR, SAINT AUGUSTINE, FL 32086-5951 |
| Document Number | 0057850368 |
| Book / Page | 5785 / 368 |
| Map Reference | MB 48 PG 3-6 |
| Instrument Date | Jun 30, 2023 |
| Instrument | 2023051168 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,080.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 279 JARAMA CIR, SAINT AUGUSTINE, FL 32084-0037 |
| Name | Verified Name |
|---|---|
| Address | 389 SUMMERCOVE CIR, SAINT AUGUSTINE, FL 32086-5951 |
| Document Number | 0005785371 |
|---|---|
| Date | Jun 30, 2023 |
| Instrument | 5785/371 |
| Name | SOUTH STATE BANK NA |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Apr 18, 2017 |
| Property Address | 389 SUMMERCOVE CIR, SAINT AUGUSTINE, FL 32086-5951 |
| Document Number | 0043591937 |
| Book / Page | 004359 / 001937 |
| Instrument Date | Apr 14, 2017 |
| Instrument | 26469 |
| Transaction Type | Transfer |
| Record Updated | May 16, 2017 |
| Title Company | ACTION TITLE SERVICES/STATE JOHNS COUNTY, ACTION TITLE SVCS/ST JOHNS CNT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,855.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 389 SUMMERCOVE CIR ST AUGUSTINE FL 320865951, ST AUGUSTINE, FL 32086-5951 |
| Document Number | 43591939 |
|---|---|
| Date | Apr 18, 2017 |
| Book Page | 004359/001939 |
| Instrument | 26470 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 17, 2047 |
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 | $408,239 (-1.12%) Land $80,000 Building $328,239 | $408,239 (-1.12%) Land $80,000 Building $328,239 | |
| 2025 | $5,372.00 (+1.02%) Homeowner's exemption | $412,871 (-6.86%) | $412,871 (-6.86%) Land $80,000 Building $332,871 |
| 2024 | $5,318.00 (+75.05%) Homeowner's exemption | $443,300 (+71.36%) | $443,300 (+4.52%) Land $80,000 Building $363,300 |
| 2023 | $3,038.00 (+3.09%) Homeowner's exemption | $258,690 (+3%) | $424,120 (+11.52%) Land $80,000 Building $344,120 |
| 2022 | $2,947.00 Homeowner's exemption | $251,155 | $380,316 Land $78,400 Building $301,916 |
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 Record 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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