394 Summerset Dr, Saint Johns, FL 32259 Property Records

St. Johns County property record for 394 Summerset Dr, Saint Johns, FL 32259

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,989 sqft · built 2005
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on Record
Last Sale	$597,500 (Feb 2018)
Tax Bill	$7,745 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Feb 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`001171-0790`

Property Details

APN / Parcel Number

Primary APN	`001171-0790`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	20 Plumbing Fixtures
Stories	1 Story
Building Area	3,989 sqft Living Area
Gross Area	4,747 sqft
1st Floor Area	3,050 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	21,780 sqft (0.5 acres)
Garage Type	Attached
Garage Area	758 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	365 sqft
Deck Area	Deck Area
Patio Area	651 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	394 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 79 OR4498/954
Legal Range	26E
Legal Township	05S
Legal Section	44
Legal Subdivision	BARTRAM PLANTATION PHASE 2
Legal Phase	2
Legal Block	1
Legal Lot Number	79
Jurisdiction	ST JOHNS FL
Township / Civil Division	FRUIT COVE
Census Block Group	1
Census Block	1009
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	394 SUMMERSET DR, SAINT JOHNS, FL 32259-8884
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Feb 2, 2018	Deed of Trust, Mortgage · Line of Credit USALLIANCE FCU
Feb 2, 2018	Warranty Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 2, 2018 · Amount on Record
Deed Sale	Feb 2, 2018 · Amount on Record
Prior Sale	Dec 20, 2005 · Amount on Record
Deed Document Number	20187443
Deed Book / Page	4498 / 954
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	394 SUMMERSET DR, SAINT JOHNS, FL 32259-8884
Transaction Type	Mortgage
Record Updated	May 23, 2023
Title Company	MIDFLORIDA TITLE PROFESSIONALS, FLORIDA TITLE PROFESSIONAL

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0052810435
Date	Jun 2, 2021
Book Page	5281/435
Instrument	2021061990

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	394 SUMMERSET DR, SAINT JOHNS, FL 32259-8884
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0044980973
Date	Feb 2, 2018
Book Page	4498/0973
Instrument	2018007445

Lender

Name	USALLIANCE FCU
Type	Credit Union
Address	WOBURN, MA 01801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jan 25, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Feb 2, 2018
Property Address	394 SUMMERSET DR, SAINT JOHNS, FL 32259-8884
Document Number	0044980954
Book / Page	4498 / 0954
Map Reference	MB46 PG78-89
Instrument Date	Jan 29, 2018
Instrument	2018007443
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	JACKSONVILLE TITLE AND TRUST

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	924 RUSTLEWOOD LN, 924, SAINT JOHNS, FL 32259-5951

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	394 SUMMERSET DR, SAINT JOHNS, FL 32259-8884

Mortgage

Document Number	2018007444
Date	Feb 2, 2018
Instrument	2018007444

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2048

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		$604,904 (+2.7%)	$799,615 (-7.73%) Land $200,000 Building $599,615
2025	$7,745.00 (+11.65%) Homeowner's exemption	$589,001 (+2.9%)	$866,579 (+1.54%) Land $215,000 Building $651,579
2024	$6,937.00 (+1.89%) Homeowner's exemption	$572,401 (+3%)	$853,401 (-2.23%) Land $200,000 Building $653,401
2023	$6,808.00 (+2.56%) Homeowner's exemption	$555,729 (+3%)	$872,835 (+8.16%) Land $190,000 Building $682,835
2022	$6,638.00 Homeowner's exemption	$539,543	$807,001 Land $162,400 Building $644,601

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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