405 Summerset Dr, Saint Johns, FL 32259 Property Records

St. Johns County property record for 405 Summerset Dr, Saint Johns, FL 32259

Property Summary

Property Type	Multi-Family Dwellings
Details	5 bd · 5 ba · 4,887 sqft · built 2007
Lot Size	0.61 acres (26,571 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,200,000 (Jun 2026)
Tax Bill	$8,279 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Jul 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`001171-1280`

Property Details

APN / Parcel Number

Primary APN	`001171-1280`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Plumbing Fixtures	19 Plumbing Fixtures
Stories	1 Story
Building Area	4,887 sqft Living Area
Gross Area	5,703 sqft
1st Floor Area	4,048 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Multi-Family
Exterior Material	Concrete
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	26,571 sqft (0.61 acres)
Garage Type	Attached
Garage Area	816 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	1,140 sqft
Porch	Slab
Porch Area	571 sqft
Deck Area	Deck Area
Patio Area	628 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	405 SUMMERSET DR
City	SAINT JOHNS
State	FL
Zip	32259-8891
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	PUD
Legal Description	46/78-89 BARTRAM PLANTATION PHASE 2 LOT 128 OR6389/876
Legal Range	26E
Legal Township	05S
Legal Section	44
Legal Subdivision	BARTRAM PLANTATION PHASE 2
Legal Phase	2
Legal Block	1
Legal Lot Number	128
Jurisdiction	ST JOHNS FL
Township / Civil Division	FRUIT COVE
Census Block Group	1
Census Block	1008
Census Tract	20807

Owner

Source: St. Johns County records, as of October 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	12819 RIVER STORY WAY, JACKSONVILLE, FL 32223-2403
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2026	Warranty Deed, Transfer · VA Mortgage FIRST MORTGAGE FUNDING
Jul 15, 2019	Deed of Trust, Mortgage · Conventional Mortgage JET HOMELOANS LLC
Jun 6, 2022	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Dec 5, 2018	Deed, Transfer · Conventional Mortgage JET HOMELOANS LLC
Mar 27, 2018	Loan Modification, Mortgage · Line of Credit SUNTRUST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 24, 2026 · Amount on Record
Deed Sale	Jun 24, 2026 · Amount on Record
Prior Sale	Dec 5, 2018 · Amount on Record
Deed Document Number	202654148
Deed Book / Page	6389 / 876
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jun 24, 2026
Property Address	405 SUMMERSET DR, SAINT JOHNS, FL 32259-8891
Document Number	0000054148
Book / Page	6389 / 876
Instrument Date	Jun 23, 2026
Instrument	202654148
Transaction Type	Transfer
Record Updated	Sep 30, 2026
Title Company	TITLE ONE FLORIDA LLC, ONE REAL TITLE OF FLORIDA LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$848,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12819 RIVER STORY WAY, JACKSONVILLE, FL 32223-2403

Mortgage

Document Number	0000054149,
Date	Jun 24, 2026
Book Page	6389/878
Instrument	202654149

Lender

Name	FIRST MORTGAGE FUNDING

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	405 SUMMERSET DR, SAINT JOHNS, FL 32259-8891
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0047590205
Date	Jul 15, 2019
Book Page	4759/0205
Instrument	2019050552

Lender

Name	JET HOMELOANS LLC
Type	Mortgage Company
Address	DALLAS, TX 75252

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	405 SUMMERSET DR, SAINT JOHNS, FL 32259-8891
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 SUMMERSET DR, SAINT JOHNS, FL 32259-8891

Mortgage

Document Number	0055730501
Date	Jun 6, 2022
Book Page	5573/501
Instrument	2022056656

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

December 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	ST JOHNS FL
Recording Date	Dec 5, 2018
Property Address	405 SUMMERSET DR, SAINT JOHNS, FL 32259-8891
Document Number	0046491399
Book / Page	4649 / 1399
Map Reference	MB46 PG78-89
Instrument Date	Nov 28, 2018
Instrument	2018086704
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	SHEFFIED & BOATRIGHT TITLE S

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	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 SUMMERSET DR, SAINT JOHNS, FL 32259-8891

Mortgage

Document Number	2018086705
Date	Dec 5, 2018
Instrument	2018086705

Lender

Name	JET HOMELOANS LLC
Type	Non-Lending Institution

Agreement

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

March 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST JOHNS FL
Property Address	405 SUMMERSET DR, SAINT JOHNS, FL 32259-8891
Document Number	0045301425
Instrument Date	Mar 27, 2018
Transaction Type	Mortgage
Record Updated	Aug 31, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	405 SUMMERSET DR JACKSONVILLE FL 322598891, JACKSONVILLE, FL 32259-8891

Mortgage

Document Number	0045301425
Date	Apr 12, 2018
Book Page	004530/001425
Instrument	24691

Lender

Name	SUNTRUST BK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 11, 2048

Interest

Rate Type	Adjustable Rate

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		$645,608 (+2.7%)	$923,475 (+0.55%) Land $200,000 Building $723,475
2025	$8,279.00 (+11.58%) Homeowner's exemption	$628,635 (+5.99%)	$918,396 (-1.01%) Land $215,000 Building $703,396
2024	$7,420.00 (+1.88%)
2023	$7,283.00 (+2.64%) Homeowner's exemption	$593,124 (+3%)	$927,761 (+6.61%) Land $190,000 Building $737,761
2022	$7,096.00 Homeowner's exemption Widower's exemption	$575,849	$870,234 Land $162,400 Building $707,834

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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