430 Summerset Dr, Saint Johns, FL 32259 Property Records

St. Johns County property record for 430 Summerset Dr, Saint Johns, FL 32259

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 3,966 sqft · built 2006
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,200,000 (Jul 2026)
Tax Bill	$7,323 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage May 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`001171-0860`

Property Details

APN / Parcel Number

Primary APN	`001171-0860`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Plumbing Fixtures	21 Plumbing Fixtures
Stories	1 Story
Building Area	3,966 sqft Living Area
Gross Area	4,995 sqft
1st Floor Area	2,879 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	21,780 sqft (0.5 acres)
Garage Type	Attached
Garage Area	694 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	450 sqft
Porch	Finished Screened Porch
Porch Area	399 sqft
Deck Area	Deck Area
Patio Area	1,029 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	430 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 86 OR6156/1199
Legal Range	26E
Legal Township	05S
Legal Section	44
Legal Subdivision	BARTRAM PLANTATION PHASE 2
Legal Phase	2
Legal Block	1
Legal Lot Number	86
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 July 28, 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	74 JANA DR, PONCE INLET, FL 32127-6955
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2026	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 12, 2020	Quit Claim Deed, Transfer KEYBANK USA
Feb 22, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Jan 25, 2017	Warranty Deed, Transfer · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2026 · Amount on Record
Deed Sale	Jul 15, 2026 · Amount on Record
Prior Sale	May 29, 2025 · Amount on Record
Deed Document Number	202660700
Deed Book / Page	6402 / 628
Prior Transfer Date	Mar 31, 2020
Prior Transfer Doc	0049401399
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jul 15, 2026
Property Address	430 SUMMERSET DR, SAINT JOHNS, FL 32259-8890
Document Number	0000060700
Book / Page	6402 / 628
Instrument Date	Jul 15, 2026
Instrument	202660700
Transaction Type	Transfer
Record Updated	Jul 28, 2026
Title Company	OMEGA NATIONAL TITLE AGENCY LLC, OMEGA NATIONAL TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$848,400.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	74 JANA DR, PONCE INLET, FL 32127-6955

Mortgage

Document Number	0000060701,
Date	Jul 15, 2026
Instrument	202660701

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST JOHNS FL
Recording Date	May 12, 2020
Property Address	430 SUMMERSET DR, SAINT JOHNS, FL 32259-8890
Document Number	0049401399
Book / Page	004940 / 001399
Instrument Date	Mar 31, 2020
Instrument	36334
Transaction Type	Transfer
Record Updated	Jul 17, 2020
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	430 SUMMERSET DR JACKSONVILLE FL 322598890, JACKSONVILLE, FL 32259-8890

Mortgage

Document Number	49401400
Date	May 12, 2020
Book Page	004940/001400
Instrument	36335

Lender

Name	KEYBANK USA
Type	Bank
Address	CLEVELAND, OH 44114-1306

Agreement

Amount	Amount Recorded
Term	120 Months
Due	May 11, 2030

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	430 SUMMERSET DR, SAINT JOHNS, FL 32259-8890
Document Number	0046851909
Instrument Date	Feb 22, 2019
Transaction Type	Mortgage
Record Updated	Mar 8, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	430 SUMMERSET DR ST JOHNS FL 322598890, ST JOHNS, FL 32259-8890

Mortgage

Document Number	0046851909
Date	Feb 27, 2019
Book Page	004685/001909
Instrument	13322

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 26, 2034

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jan 25, 2017
Property Address	430 SUMMERSET DR, SAINT JOHNS, FL 32259-8890
Document Number	0043220459
Book / Page	004322 / 000459
Instrument Date	Jan 4, 2017
Instrument	6007
Transaction Type	Transfer
Record Updated	Feb 9, 2017
Title Company	FIRST INT'L TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,815.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	430 SUMMERSET DR ST JOHNS FL 322598890, ST JOHNS, FL 32259-8890

Mortgage

Document Number	43220462
Date	Jan 25, 2017
Book Page	004322/000462
Instrument	6008

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 24, 2047

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		$508,828 (-8.76%)	$831,213 (-2.53%) Land $200,000 Building $631,213
2025	$7,323.00 (+11.7%) Homeowner's exemption	$557,711 (+5.99%)	$852,746 (+5.68%) Land $215,000 Building $637,746
2024	$6,556.00 (+1.91%)
2023	$6,433.00 (+2.58%) Homeowner's exemption	$526,207 (+3%)	$806,941 (+5.17%) Land $190,000 Building $616,941
2022	$6,271.00 Homeowner's exemption	$510,881	$767,237 Land $162,400 Building $604,837

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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