410 Summerset Dr, Saint Johns, FL 32259 Property Records

St. Johns County property record for 410 Summerset Dr, Saint Johns, FL 32259

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 4,035 sqft · built 2006
Lot Size	0.52 acres (22,651 sqft)
Owner	2 Individual Names on Record
Last Sale	$597,050 (Dec 2018)
Tax Bill	$7,825 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`001171-0830`

Property Details

APN / Parcel Number

Primary APN	`001171-0830`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	19 Plumbing Fixtures
Stories	1 Story
Building Area	4,035 sqft Living Area
Gross Area	4,879 sqft
1st Floor Area	3,166 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Concrete
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	22,651 sqft (0.52 acres)
Garage Type	Attached
Garage Area	636 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1,295 sqft
Porch	Finished Screened Porch
Porch Area	382 sqft
Deck Area	Deck Area
Patio Area	890 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	410 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 83 OR4651/1038
Legal Range	26E
Legal Township	05S
Legal Section	44
Legal Subdivision	BARTRAM PLANTATION PHASE 2
Legal Phase	2
Legal Block	1
Legal Lot Number	83
Jurisdiction	ST JOHNS FL
Township / Civil Division	FRUIT COVE
Census Block Group	1
Census Block	1009
Census Tract	20807

Owner

Source: St. Johns County records, as of June 17, 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	410 SUMMERSET DR, SAINT JOHNS, FL 32259-8890
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 7, 2018	Warranty Deed, Transfer · ARM HOMEXPRESS MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 7, 2018 · Amount on Record
Deed Sale	Dec 7, 2018 · Amount on Record
Prior Sale	May 1, 2017
Deed Document Number	201887664
Deed Book / Page	4651 / 1038
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	410 SUMMERSET DR, SAINT JOHNS, FL 32259-8890
Transaction Type	Mortgage
Record Updated	May 23, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 SUMMERSET DR, SAINT JOHNS, FL 32259-8890

Mortgage

Document Number	0052220179
Date	Mar 30, 2021
Book Page	5222/179
Instrument	2021034738

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Dec 7, 2018
Property Address	410 SUMMERSET DR, SAINT JOHNS, FL 32259-8890
Document Number	0046511038
Book / Page	4651 / 1038
Map Reference	MB46 PG78-89
Instrument Date	Nov 28, 2018
Instrument	2018087664
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	RIVER CITY TITLE LLC

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	410 SUMMERSET DR, JACKSONVILLE, FL 32259-8890

Mortgage

Document Number	2018087665
Date	Dec 7, 2018
Instrument	2018087665

Lender

Name	HOMEXPRESS MORTGAGE CORP

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	8.5%
Type Change Date	Dec 1, 2023
Change Frequency	Annually
Min Rate At Change	8.5%
Max Rate At Change	11.5%
Index	1-Year LIBOR
Max Rate	14.5%

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		$611,032 (+2.7%)	$874,577 (-1.66%) Land $200,000 Building $674,577
2025	$7,825.00 (+11.63%) Homeowner's exemption	$594,968 (+2.9%)	$889,367 (+4.71%) Land $215,000 Building $674,367
2024	$7,010.00 (+1.89%) Homeowner's exemption	$578,200 (+3%)	$849,336 (-3.07%) Land $200,000 Building $649,336
2023	$6,880.00 (+2.56%) Homeowner's exemption	$561,359 (+3%)	$876,240 (+5.98%) Land $190,000 Building $686,240
2022	$6,708.00 Homeowner's exemption	$545,009	$826,798 Land $162,400 Building $664,398

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 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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