St. Johns County property record for 398 Cloisterbane Dr, Saint Johns, FL 32259
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,849 sqft · built 2015 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $431,900 (Feb 2019) |
| Tax Bill | $8,505 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage Jan 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 009624-0490 |
| Primary APN | 009624-0490 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,849 sqft Living Area |
| Gross Area | 3,311 sqft |
| 1st Floor Area | 2,849 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,276 sqft (0.19 acres) |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 300 sqft |
|---|---|
| Porch | Finished/Open Porch |
| Porch Area | 247 sqft |
| Deck Area | Deck Area |
| Patio Area | 550 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 398 CLOISTERBANE DR |
|---|---|
| City | SAINT JOHNS |
| State | FL |
| Zip | 32259-8230 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 69/73-76 DURBIN CROSSING NORTH PHASE 2E - UNIT 2 LOT 49 OR4677/1610 |
| Legal Range | 27E |
| Legal Township | 05S |
| Legal Section | 01 |
| Legal Subdivision | DURBIN CROSSING NORTH PHASE 2E UNIT 2 |
| Legal Phase | 2E |
| Legal Block | 1 |
| Legal Lot Number | 49 |
| Legal Unit | 2 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | FRUIT COVE |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 20808 |
398 Cloisterbane Dr is owned and occupied by two individuals who bought it in February 2019.
Source: St. Johns County records, as of June 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 398 CLOISTERBANE DR, SAINT JOHNS, FL 32259-8230 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION |
| Jan 8, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION |
| Feb 7, 2019 | Warranty Deed, Transfer · Conventional Mortgage TIAA FSB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 7, 2019 · Amount on File |
| Deed Sale | Feb 7, 2019 · Amount on File |
| Prior Sale | Apr 29, 2015 · Amount on File |
| Deed Document Number | 20198868 |
| Deed Book / Page | 4677 / 1610 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 398 CLOISTERBANE DR, SAINT JOHNS, FL 32259-8230 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 398 CLOISTERBANE DR, SAINT JOHNS, FL 32259-8230 |
| Document Number | 0051490758 |
|---|---|
| Date | Jan 12, 2021 |
| Book Page | 5149/758 |
| Instrument | 2021003731 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | NEW YORK, NY 10271 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Dec 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 398 CLOISTERBANE DR, SAINT JOHNS, FL 32259-8230 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0048621385 |
|---|---|
| Date | Jan 8, 2020 |
| Book Page | 4862/1385 |
| Instrument | 2020001505 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | NEW YORK, NY 10006 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Feb 7, 2019 |
| Property Address | 398 CLOISTERBANE DR, SAINT JOHNS, FL 32259-8230 |
| Document Number | 0046771610 |
| Book / Page | 004677 / 001610 |
| Instrument Date | Feb 7, 2019 |
| Instrument | 8868 |
| Transaction Type | Transfer |
| Record Updated | Feb 18, 2019 |
| Title Company | STEWART TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,023.30 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 398 CLOISTERBANE DR ST JOHNS FL 322598230, ST JOHNS, FL 32259-8230 |
| Document Number | 46771613 |
|---|---|
| Date | Feb 7, 2019 |
| Book Page | 004677/001613 |
| Instrument | 8869 |
| Name | TIAA FSB |
|---|---|
| Address | JACKSONVILLE, FL 32202 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 6, 2049 |
The 2025 property tax bill for 398 Cloisterbane Dr was $8,505 with a homeowner's exemption, up 9.2% 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 | $423,368 (+2.7%) | $600,067 (+1%) Land $160,000 Building $440,067 | |
| 2025 | $8,505.00 (+9.23%) Homeowner's exemption | $412,238 (+2.9%) | $594,150 (+3.79%) Land $155,000 Building $439,150 |
| 2024 | $7,786.00 (+1.8%) Homeowner's exemption | $400,620 (+3%) | $572,475 (+0.38%) Land $155,000 Building $417,475 |
| 2023 | $7,648.00 (+3.97%) Homeowner's exemption | $388,951 (+3%) | $570,301 (+15.31%) Land $145,000 Building $425,301 |
| 2022 | $7,356.00 Homeowner's exemption | $377,622 | $494,587 Land $123,200 Building $371,387 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 398 Cloisterbane Dr in Zone X, an area of minimal flood risk.
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 138 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 138 in force |
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 398 Cloisterbane Dr is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
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) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| AT&T Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures