429 Summerset Dr, Saint Johns, FL 32259 Property Records

St. Johns County property record for 429 Summerset Dr, Saint Johns, FL 32259

Property Summary

Property Type	Single Family Home
Details	6 bd · 5 ba · 5,279 sqft · built 2007
Lot Size	0.96 acres (41,817 sqft)
Owner	2 Individual Names on Record
Last Sale	$828,000 (Jul 2018)
Tax Bill	$9,475 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Jul 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`001171-1220`

Property Details

APN / Parcel Number

Primary APN	`001171-1220`

Interior

Bedrooms	6 Beds
Full Baths	5 Baths
Plumbing Fixtures	24 Plumbing Fixtures
Stories	2 Stories
Building Area	5,279 sqft Living Area
Gross Area	7,641 sqft
1st Floor Area	3,180 sqft
Attic	Attic
Attic Area	384 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	41,817 sqft (0.96 acres)
Garage Type	Attached
Garage Area	1,162 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Area	450 sqft
Porch	Enclosed Glass Porch
Porch Area	108 sqft
Deck Area	28 sqft
Patio Area	3,240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	429 SUMMERSET DR
City	SAINT JOHNS
State	FL
Zip	32259-8891
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	46/78-89 BARTRAM PLANTATION PHASE 2 LOT 122 OR4581/1975
Legal Range	26E
Legal Township	05S
Legal Section	44
Legal Subdivision	BARTRAM PLANTATION PHASE 2
Legal Phase	2
Legal Block	1
Legal Lot Number	122
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 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	429 SUMMERSET DR, SAINT JOHNS, FL 32259-8891
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CU
Jul 3, 2019	Deed of Trust, Mortgage · Conventional Mortgage HAMILTON GROUP FUNDING INC
Jan 7, 2020	Deed of Trust, Mortgage · Line of Credit VYSTAR CU
Jul 18, 2018	Warranty Deed, Transfer · ARM ANGEL OAK MORTGAGE SOLUTIONS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 18, 2018 · Amount on Record
Deed Sale	Jul 18, 2018 · Amount on Record
Prior Sale	May 4, 2011 · Amount on Record
Deed Document Number	201851180
Deed Book / Page	4581 / 1975
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	429 SUMMERSET DR, SAINT JOHNS, FL 32259-8891
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	129 SUMMERSET DR, JACKSONVILLE, FL 32259

Mortgage

Document Number	0053971398
Date	Oct 19, 2021
Book Page	5397/1398
Instrument	2021113983

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Nov 1, 2028
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	7.75%
Index	1-Year CMT
Max Rate	7.75%

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	429 SUMMERSET DR, SAINT JOHNS, FL 32259-8891
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0047531170
Date	Jul 3, 2019
Book Page	4753/1170
Instrument	2019047842

Lender

Name	HAMILTON GROUP FUNDING INC
Type	Mortgage Company
Address	FORT LAUDERDALE, FL 33323

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2049

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	429 SUMMERSET DR, SAINT JOHNS, FL 32259-8891
Document Number	0048690845
Instrument Date	Jan 7, 2020
Transaction Type	Mortgage
Record Updated	Feb 10, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	429 SUMMERSET DR ST JOHNS FL 322598891, ST JOHNS, FL 32259-8891

Mortgage

Document Number	0048690845
Date	Jan 22, 2020
Book Page	004869/000845
Instrument	4936

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32210

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jan 21, 2030

Interest

Rate Type	Adjustable Rate

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jul 18, 2018
Property Address	429 SUMMERSET DR, SAINT JOHNS, FL 32259-8891
Document Number	0045811975
Book / Page	4581 / 1975
Map Reference	MB46 PG78-89
Instrument Date	Jul 16, 2018
Instrument	2018051180
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	VANGUARD TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2150 EVENTIDE AVE, 2150, SAINT JOHNS, FL 32259-9238

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	429 SUMMERSET DR, SAINT JOHNS, FL 32259-8891

Mortgage

Document Number	2018051181
Date	Jul 18, 2018
Instrument	2018051181

Lender

Name	ANGEL OAK MORTGAGE SOLUTIONS LLC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	Aug 1, 2023
Change Frequency	Annually
Min Rate At Change	4.25%
Max Rate At Change	8.25%
Index	1-Year LIBOR
Margin	4
Max Rate	11.2%

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		$736,871 (+2.7%)	$1,093,982 (+0.05%) Land $200,000 Building $893,982
2025	$9,475.00 (+11.43%) Homeowner's exemption	$717,499 (+2.9%)	$1,093,421 (+0.03%) Land $215,000 Building $878,421
2024	$8,503.00 (+1.87%) Homeowner's exemption	$697,278 (+3%)	$1,093,135 (-3.62%) Land $200,000 Building $893,135
2023	$8,347.00 (+2.49%) Homeowner's exemption	$676,969 (+3%)	$1,134,245 (+5.51%) Land $190,000 Building $944,245
2022	$8,144.00 Homeowner's exemption	$657,251	$1,075,032 Land $162,400 Building $912,632

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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