390 Summerset Dr, Saint Johns, FL 32259 Property Records

St. Johns County property record for 390 Summerset Dr, Saint Johns, FL 32259

Property Summary

Property Type	Single Family Home
Details	6 bd · 4.5 ba · 4,407 sqft · built 2006
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on File
Last Sale	$1,225,000 (May 2023)
Tax Bill	$13,076 (2025)
Deeds & Mortgages	May 2024 Mortgage Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`001171-0780`

Property Details

APN / Parcel Number

Primary APN	`001171-0780`

Interior

Bedrooms	6 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	20 Plumbing Fixtures
Stories	1 Story
Building Area	4,407 sqft Living Area
Gross Area	5,317 sqft
1st Floor Area	3,090 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2010
Exterior Material	Concrete
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	21,780 sqft (0.5 acres)
Garage Type	Attached
Garage Area	644 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	469 sqft
Patio Area	384 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	390 SUMMERSET DR
City	SAINT JOHNS
State	FL
Zip	32259-8884
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	46/78-89 BARTRAM PLANTATION PHASE 2 LOT 78 OR5749/1832
Legal Range	26E
Legal Township	05S
Legal Section	44
Legal Subdivision	BARTRAM PLANTATION PHASE 2
Legal Phase	2
Legal Block	1
Legal Lot Number	78
Jurisdiction	ST JOHNS FL
Township / Civil Division	FRUIT COVE
Census Block Group	1
Census Block	1009
Census Tract	20807

Owner

390 Summerset Dr is owned and occupied by an individual who bought it in May 2023.

Source: St. Johns County records, as of June 17, 2026

Owner of Record	Individual Name on File
Mailing Address	390 SUMMERSET DR, SAINT JOHNS, FL 32259-8884
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 1, 2024	Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CU
Oct 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage JAX FCU
Nov 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage JAX FCU
Oct 1, 2020	Warranty Deed, Transfer · Conventional Mortgage AMERIS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 2, 2023 · Amount on File
Deed Sale	May 2, 2023 · Amount on File
Prior Sale	Oct 1, 2020 · Amount on File
Deed Document Number	202333062
Deed Book / Page	5749 / 1832
Record Updated	Oct 29, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	390 SUMMERSET DR, SAINT JOHNS, FL 32259-8884
Transaction Type	Mortgage
Record Updated	May 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	390 SUMMERSET DR, ST JOHNS, FL 32259-8884

Mortgage

Document Number	0059411215
Date	May 1, 2024
Book Page	5941/1215
Instrument	2024033175

Lender

Name	VYSTAR CU
Type	Credit Union
Address	76 S LAURA ST, JACKSONVILLE, FL 32202

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2054

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	390 SUMMERSET DR, SAINT JOHNS, FL 32259-8884
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	390 SUMMERSET DR, SAINT JOHNS, FL 32259-8884

Mortgage

Document Number	0054030307
Date	Oct 26, 2021
Book Page	5403/307
Instrument	2021116291

Lender

Name	JAX FCU
Type	Credit Union
Address	JACKSONVILLE, FL 32204

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2041

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	390 SUMMERSET DR, SAINT JOHNS, FL 32259-8884
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	390 SUMMERSET DR, SAINT JOHNS, FL 32259-8884

Mortgage

Document Number	0051051735
Date	Nov 23, 2020
Book Page	5105/1735
Instrument	2020106206

Lender

Name	JAX FCU
Type	Credit Union
Address	JACKSONVILLE, FL 32204

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2040

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Oct 1, 2020
Property Address	390 SUMMERSET DR, SAINT JOHNS, FL 32259-8884
Document Number	0050590921
Book / Page	5059 / 921
Map Reference	MB 46 PG 78-89
Instrument Date	Sep 30, 2020
Instrument	2020085957
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	SHEFFIELD & BOATRIGHT TTL SV

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,410.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	75 SUNSET RIDGE CT, 75, SAINT JOHNS, FL 32259-8516

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	390 SUMMERSET DR, SAINT JOHNS, FL 32259-8884

Mortgage

Document Number	0005059923
Date	Oct 1, 2020
Instrument	5059/923

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 390 Summerset Dr was $13,076 with a homeowner's exemption, up 8.8% from the year before.

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		$946,932 (-3.85%) Land $200,000 Building $746,932	$946,932 (-3.85%) Land $200,000 Building $746,932
2025	$13,076.00 (+8.82%) Homeowner's exemption	$984,851	$984,851 Land $215,000 Building $769,851
2024	$12,016.00 (+51.35%)
2023	$7,939.00 (+2.5%) Homeowner's exemption	$644,844 (+3%)	$1,009,153 (+14.09%) Land $190,000 Building $819,153
2022	$7,745.00 Homeowner's exemption	$626,062	$884,498 Land $162,400 Building $722,098

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

Flood

FEMA maps place 390 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

Wildfire risk around 390 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.

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.

Nearby Properties on Summerset Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures