406 Summerset Dr, Saint Johns, FL 32259 Property Records

St. Johns County property record for 406 Summerset Dr, Saint Johns, FL 32259

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,255 sqft · built 2006
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Trust Names on File
Last Sale	$430,000 (Oct 2012)
Tax Bill	$6,127 (2025)
Deeds & Mortgages	Apr 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`001171-0820`

Property Details

APN / Parcel Number

Primary APN	`001171-0820`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Plumbing Fixtures	18 Plumbing Fixtures
Stories	1 Story
Building Area	3,255 sqft Living Area
Gross Area	3,993 sqft
1st Floor Area	2,793 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Stone
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	21,780 sqft (0.5 acres)
Garage Type	Attached
Garage Area	738 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	630 sqft
Porch	Finished/Open Porch
Porch Area	259 sqft
Patio Area	684 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	406 SUMMERSET DR
City	SAINT JOHNS
State	FL
Zip	32259-8890
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	46/78-89 BARTRAM PLANTATION PHASE 2 LOT 82 OR3631/1164 & 6033/1223
Legal Range	26E
Legal Township	05S
Legal Section	44
Legal Subdivision	BARTRAM PLANTATION PHASE 2
Legal Phase	2
Legal Block	1
Legal Lot Number	82
Jurisdiction	ST JOHNS FL
Township / Civil Division	FRUIT COVE
Census Block Group	1
Census Block	1009
Census Tract	20807

Owner

406 Summerset Dr is owner-occupied and held in a trust since October 2024.

Source: St. Johns County records, as of June 17, 2026

Owner of Record	2 Trust Names on File
Mailing Address	406 SUMMERSET DR, SAINT JOHNS, FL 32259-8890
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 19, 2012 · Amount on File
Deed Sale	Oct 19, 2012 · Amount on File
Prior Sale	Apr 20, 2005 · Amount on File
Deed Document Number	201262071
Deed Book / Page	3631 / 1164
Last Transfer Date	Oct 3, 2024
Transfer Doc	0060331223
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	406 SUMMERSET DR, SAINT JOHNS, FL 32259-8890
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055290641
Date	Apr 4, 2022
Book Page	5529/641
Instrument	2022034519

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 406 Summerset Dr was $6,127, up 10.8% from the year before.

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		$496,969 (+2.7%)	$731,262 (-0.85%) Land $200,000 Building $531,262
2025	$6,127.00 (+10.78%) Homeowner's exemption Disabled Person's exemption Veteran's exemption Widower's exemption	$483,904	$737,494 Land $215,000 Building $522,494
2024	$5,531.00 (+1.99%)
2023	$5,423.00 (+2.75%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$456,569 (+3%)	$712,697 (+6.49%) Land $190,000 Building $522,697
2022	$5,278.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$443,271	$669,239 Land $162,400 Building $506,839

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 406 Summerset Dr in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1997.

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 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

Wildfire risk around 406 Summerset Dr is moderate, ranking above 50% of the US, with a 0.08% annual chance of 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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