St. Johns County property record for 40 Sundown Covey Trl, Saint Augustine, FL 32095
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,487 sqft · built 2022 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $8,783 (2025) |
| Deeds & Mortgages | Sep 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 027018-3990 |
| Primary APN | 027018-3990 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,487 sqft Living Area |
| Gross Area | 2,907 sqft |
| 1st Floor Area | 1,041 sqft |
| Flooring | Carpet |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,098 sqft (0.14 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 90 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 40 SUNDOWN COVEY TRL |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32095-0053 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 111/23-36 PRESERVE AT BANNON LAKES PHASE 2B LOT 399 OR5640/1369 |
| Legal Subdivision | PRESERVE AT BANNON LAKES PHASE 2B |
| Legal Block | 1 |
| Legal Lot Number | 399 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2065 |
| Census Tract | 20904 |
40 Sundown Covey Trl is owned and occupied by two individuals.
Source: St. Johns County records, as of April 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 40 SUNDOWN COVEY TRL, SAINT AUGUSTINE, FL 32095-0053 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Sep 27, 2022 |
| Property Address | 40 SUNDOWN COVEY TRL, SAINT AUGUSTINE, FL 32095-0053 |
| Document Number | 0056401369 |
| Book / Page | 5640 / 1369 |
| Map Reference | MB 111 PG 23-36 |
| Instrument Date | Sep 21, 2022 |
| Instrument | 2022091701 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 13, 2026 |
| Title Company | PGP TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,661.70 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12724 GRAN BAY PKWY W # W200, W200, JACKSONVILLE, FL 32258-9485 |
| Name | Verified Name |
|---|---|
| Address | 40 SUNDOWN COVEY TRL, SAINT AUGUSTINE, FL 32095-0053 |
| Document Number | 0056401371 |
|---|---|
| Date | Sep 27, 2022 |
| Instrument | 5640/1371 |
| Name | PULTE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2052 |
| Document Number | 0056411790 |
|---|---|
| Date | Oct 3, 2022 |
| Book Page | 5641/1790 |
| Instrument | 2022092301 |
| Name | PULTE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | ENGLEWOOD, CO 80112 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Sep 1, 2052 |
The 2025 property tax bill for 40 Sundown Covey Trl was $8,783 with exemptions applied, up 7.9% 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 | $454,464 (+2.19%) Land $125,000 Building $329,464 | $454,464 (+2.19%) Land $125,000 Building $329,464 | |
| 2025 | $8,783.00 (+7.9%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $444,744 (+0.2%) | $444,744 (+0.2%) Land $125,000 Building $319,744 |
| 2024 | $8,140.00 (-49.99%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $443,868 (+1.14%) | $443,868 (+1.14%) Land $125,000 Building $318,868 |
| 2023 | $16,278.00 (+324.68%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $438,868 (+422.46%) | $438,868 (+422.46%) Land $120,000 Building $318,868 |
| 2022 | $3,833.00 | $84,000 | $84,000 Land $84,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 40 Sundown Covey Trl in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 206 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 206 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 40 Sundown Covey Trl is moderate, ranking above 67% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 67% of the US · above 47% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
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 155 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Fiber · Cable in parts of the area | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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