402 E Cochran Ave, Hastings, FL 32145 Property Records

St. Johns County property record for 402 E Cochran Ave, Hastings, FL 32145

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,600 sqft · built 2007
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$172,000 (Mar 2018)
Tax Bill	$2,361 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Dec 2019 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`042560-0120`

Property Details

APN / Parcel Number

Primary APN	`042560-0120`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	1,600 sqft Living Area
Gross Area	2,040 sqft
1st Floor Area	650 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	125 ft deep x 67 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	160 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	402 E COCHRAN AVE
City	HASTINGS
State	FL
Zip	32145-4262
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2-48 HASTINGS LAND & IMPR CORP SUB LOT 12 & VACA 1/2 OF ALLEY LYING SOUTH IN BLK 12 OR4517/1638
Legal Range	28E
Legal Township	09S
Legal Section	17
Legal Subdivision	HASTINGS LAND & IMPROVEMENT CORPORARTION
Legal Block	12
Legal Lot Number	12
Jurisdiction	ST JOHNS FL
Township / Civil Division	HASTINGS
Census Block Group	1
Census Block	1046
Census Tract	21101

Owner

Source: St. Johns County records, as of April 13, 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	402 E COCHRAN AVE, HASTINGS, FL 32145-4262
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2022	Deed of Trust, Mortgage · Line of Credit VYSTAR CU
Dec 17, 2019	Deed of Trust, Mortgage · VA Mortgage MR COOPER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 19, 2018 · Amount on Record
Deed Sale	Mar 19, 2018 · Amount on Record
Deed Document Number	201817963
Deed Book / Page	4517 / 1638
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	402 E COCHRAN AVE, HASTINGS, FL 32145-4262
Transaction Type	Mortgage
Record Updated	Feb 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 E COCHRAN AVE, HASTINGS, FL 32145-4262

Mortgage

Document Number	0055761527
Date	Jun 10, 2022
Book Page	5576/1527
Instrument	2022058455

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Jul 1, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	402 E COCHRAN AVE, HASTINGS, FL 32145
Document Number	0048551013
Instrument Date	Dec 17, 2019
Transaction Type	Mortgage
Record Updated	Jan 14, 2020
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 142 HASTINGS FL 321450142, HASTINGS, FL 32145-0142

Mortgage

Document Number	0048551013
Date	Dec 27, 2019
Book Page	004855/001013
Instrument	96661

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 26, 2049

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		$191,255 (-1.55%) Land $16,281 Building $174,974	$191,255 (-2.18%) Land $16,281 Building $174,974
2025	$2,361.00 (+14.44%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$194,272 (+2.9%)	$195,526 (+3.56%) Land $16,281 Building $179,245
2024	$2,063.00 (-1.76%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$188,797 (-0.52%)	$188,797 (-17.38%) Land $9,782 Building $179,015
2023	$2,100.00 (+31.17%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$189,793 (+25.68%)	$228,522 (+20.39%) Land $9,782 Building $218,740
2022	$1,601.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$151,011	$189,816 Land $9,380 Building $180,436

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 33 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	33 in force
Nearby Flood Claims	15 (2007–2026)
Claims Outside the SFHA	14 of 15
Most Recent Claim	Sep 2026 · rainfall accumulation
Claims by Event	Hurricane Milton, Oct 2024 · 2 claims Hurricane Irma, Oct 2017 · 8 claims

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 44% of the US · lower than 85% of Florida
Wildfire Likelihood	0.07% 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	SJCU-HASTINGS WTP serves 1,095 people · EPA ID FL2550476
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	Under 1 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 158 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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