406 E Cochran Ave, Hastings, FL 32145 Property Records

St. Johns County property record for 406 E Cochran Ave, Hastings, FL 32145

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,207 sqft · built 2022
Lot Size	0.37 acres (16,117 sqft)
Owner	2 Individual Names on Record
Last Sale	$350,000 (May 2024)
Tax Bill	$2,964 (2025)
Deeds & Mortgages	May 2026 Mortgage Jul 2022 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`042550-0100`

Property Details

APN / Parcel Number

Primary APN	`042550-0100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,207 sqft Living Area
Gross Area	1,480 sqft
1st Floor Area	1,207 sqft
Flooring	Carpet

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	16,117 sqft (0.37 acres)
Lot Dimensions	255 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	273 sqft
Parking Spaces	1 Parking Space
Porch	Finished/Open Porch
Porch Area	420 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	406 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 LOTS 5 & 10 & PARTS OF VACA ALLEY LYING ADJACENT IN BLK 12 OR5955/445
Legal Range	28E
Legal Township	09S
Legal Section	17
Legal Subdivision	HASTINGS LAND & IMPROVEMENT CORPORARTION
Legal Block	1
Legal Lot Number	5,10
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 May 14, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	406 E COCHRAN AVE, HASTINGS, FL 32145-4262
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage AMERIS BANK
Jul 8, 2022	Deed of Trust, Mortgage · Conventional Mortgage AMERIS BANK
Jul 30, 2021	Warranty Deed, Construction Loan · Construction Mortgage BARWICK BANKING CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 24, 2024 · Amount on Record
Deed Sale	May 24, 2024 · Amount on Record
Prior Sale	Jul 30, 2021 · Amount on Record
Deed Document Number	202440261
Deed Book / Page	5955 / 445
Prior Transfer Date	May 17, 2024
Prior Transfer Doc	0059550445
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Recording Date	May 5, 2026
Property Address	406 E COCHRAN AVE, HASTINGS, FL 32145-4262
Document Number	0000038335
Book / Page	6357 / 530
Instrument Date	Apr 23, 2026
Instrument	202638335
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2570 JOE ASHTON RD, SAINT AUGUSTINE, FL 32092-2502

Mortgage

Document Number	0000038335,
Date	May 5, 2026
Book Page	6357/530
Instrument	202638335

Lender

Name	AMERIS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	406 E COCHRAN AVE, HASTINGS, FL 32145-4262
Transaction Type	Mortgage
Record Updated	Feb 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 E COCHRAN AVE, HASTINGS, FL 32145

Mortgage

Document Number	0055931833
Date	Jul 8, 2022
Book Page	5593/1833
Instrument	2022067262

Lender

Name	AMERIS BANK
Type	Bank
Address	MARIETTA, GA 30067

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

July 2021: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jul 30, 2021
Property Address	406 E COCHRAN AVE, HASTINGS, FL 32145-4262
Document Number	0053301621
Book / Page	5330 / 1621
Map Reference	MB 2 PG 48
Instrument Date	Jul 27, 2021
Instrument	2021084272
Transaction Type	Construction Loan
Record Updated	Feb 12, 2024
Title Company	LAND TITLE/AMERICA INC, LAND TITLE OF AMERICA INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,120.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2614 JOE ASHTON RD, ST AUGUSTINE, FL 32092-2528

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2614 JOE ASHTON RD, SAINT AUGUSTINE, FL 32092-2528

Mortgage

Document Number	0053301623
Date	Jul 30, 2021
Instrument	5330/1623

Lender

Name	BARWICK BANKING CO
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

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		$193,978 (-0.7%) Land $18,907 Building $175,071	$193,978 (-0.7%) Land $18,907 Building $175,071
2025	$2,964.00 (+12.36%)	$195,342 (+2.75%)	$195,342 (+2.75%) Land $18,907 Building $176,435
2024	$2,638.00 (-11.92%)	$190,105 (-11.99%)	$190,105 (-11.99%) Land $14,154 Building $175,951
2023	$2,995.00 (+625.18%)	$215,997 (+1,458.42%)	$215,997 (+1,458.42%) Land $14,154 Building $201,843
2022	$413.00	$13,860	$13,860 Land $13,860

Assessed value is set for property tax purposes, not a market price estimate; it is 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 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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