St. Johns County property record for 389 Summerset Dr, Saint Johns, FL 32259
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,800 sqft · built 2004 |
| Lot Size | 0.51 acres (22,215 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $999,900 (Jul 2025) |
| Tax Bill | $6,775 (2025) |
| Deeds & Mortgages | Nov 2025 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 001171-0480 |
| Primary APN | 001171-0480 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 18 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 3,800 sqft Living Area |
| Gross Area | 4,486 sqft |
| 1st Floor Area | 3,030 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2009 |
| Exterior Material | Stucco |
| 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 | 686 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 450 sqft |
|---|---|
| Porch | Finished/Open Porch |
| Porch Area | 253 sqft |
| Deck Area | Deck Area |
| Patio Area | 1,050 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 389 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 48 OR6181/1080 |
| Legal Range | 26E |
| Legal Township | 05S |
| Legal Section | 44 |
| Legal Subdivision | BARTRAM PLANTATION PHASE 1 |
| Legal Phase | 1 |
| Legal Block | 1 |
| Legal Lot Number | 48 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | FRUIT COVE |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 20807 |
389 Summerset Dr is owned and occupied by two individuals who bought it in July 2025.
Source: St. Johns County records, as of June 17, 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 389 SUMMERSET DR, SAINT JOHNS, FL 32259-8885 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 9, 2025 · Amount on File |
| Deed Sale | Jul 9, 2025 · Amount on File |
| Prior Sale | Jul 6, 2011 · Amount on File |
| Deed Document Number | 202554276 |
| Deed Book / Page | 6181 / 1080 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 389 SUMMERSET DR, SAINT JOHNS, FL 32259-8885 |
| Transaction Type | Mortgage |
| Record Updated | Dec 3, 2025 |
| Name | Verified Name |
|---|---|
| Address | 389 SUMMERSET DR, SAINT JOHNS, FL 32259-8885 |
| Document Number | 0062601843 |
|---|---|
| Date | Nov 21, 2025 |
| Book Page | 6260/1843 |
| Instrument | 2025095192 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Oct 25, 2055 |
The 2025 property tax bill for 389 Summerset Dr was $6,775, up 11.8% from the year before.
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 | $536,408 (+3.75%) | $802,080 (+4.11%) Land $200,000 Building $602,080 | |
| 2025 | $6,775.00 (+11.8%) Homeowner's exemption | $517,029 (+2.9%) | $770,427 (+3.36%) Land $215,000 Building $555,427 |
| 2024 | $6,060.00 (+1.92%) Homeowner's exemption | $502,458 (+3%) | $745,363 (-2.74%) Land $200,000 Building $545,363 |
| 2023 | $5,946.00 (+2.62%) Homeowner's exemption | $487,823 (+3%) | $766,360 (+8.17%) Land $190,000 Building $576,360 |
| 2022 | $5,794.00 Homeowner's exemption | $473,615 | $708,491 Land $162,400 Building $546,091 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 389 Summerset Dr in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1997.
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 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 risk around 389 Summerset Dr is moderate, ranking above 50% of the US, with a 0.08% annual chance of 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.
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 |
| 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.
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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