441 Summerset Dr, Saint Johns, FL 32259 Property Records

St. Johns County property record for 441 Summerset Dr, Saint Johns, FL 32259

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,925 sqft · built 2007
Lot Size	0.81 acres (35,283 sqft)
Owner	Individual on Record
Last Sale	$575,000 (Dec 2017)
Tax Bill	$6,994 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`001171-1190`

Property Details

APN / Parcel Number

Primary APN	`001171-1190`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	20 Plumbing Fixtures
Stories	1 Story
Building Area	3,925 sqft Living Area
Gross Area	4,559 sqft
1st Floor Area	3,134 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	35,283 sqft (0.81 acres)
Garage Type	Attached
Garage Area	634 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	515 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	441 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 119 OR4472/477
Legal Range	26E
Legal Township	05S
Legal Section	44
Legal Subdivision	BARTRAM PLANTATION PHASE 2
Legal Phase	2
Legal Block	1
Legal Lot Number	119
Jurisdiction	ST JOHNS FL
Township / Civil Division	FRUIT COVE
Census Block Group	1
Census Block	1008
Census Tract	20807

Owner

Source: St. Johns County assessment roll, as of April 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual on Record
Mailing Address	441 SUMMERSET DR, SAINT JOHNS, FL 32259-8891
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage CF BANK
Dec 5, 2017	Warranty Deed, Transfer · Conventional Mortgage VYSTAR CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 5, 2017 · Amount on Record
Deed Sale	Dec 5, 2017 · Amount on Record
Prior Sale	Jan 10, 2007 · Amount on Record
Deed Document Number	201782287
Deed Book / Page	4472 / 477
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	441 SUMMERSET DR, SAINT JOHNS, FL 32259-8891
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	441 SUMMERSET DR, JACKSONVILLE, FL 32259-8891

Mortgage

Document Number	0052910376
Date	Jun 15, 2021
Book Page	5291/376
Instrument	2021066644

Lender

Name	CF BANK
Type	Bank
Address	COLUMBUS, OH 43085

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.12%
Type Change Date	Jul 1, 2026
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	7.12%
Index	1-Year LIBOR
Margin	1
Max Rate	7.12%

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Dec 5, 2017
Property Address	441 SUMMERSET DR, SAINT JOHNS, FL 32259-8891
Document Number	0044720477
Book / Page	004472 / 000477
Instrument Date	Nov 28, 2017
Instrument	82287
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	WATSON TITLE SERVICES/N FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,025.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	441 SUMMERSET DR ST JOHNS FL 322598891, ST JOHNS, FL 32259-8891

Mortgage

Document Number	44720479
Date	Dec 5, 2017
Book Page	004472/000479
Instrument	82288

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32232-5085

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 4, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.87%

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		$547,667 (+2.7%)	$805,657 (+1.96%) Land $200,000 Building $605,657
2025	$6,994.00 (+11.76%) Homeowner's exemption	$533,269 (+5.99%)	$790,157 (-4.49%) Land $215,000 Building $575,157
2024	$6,258.00 (+1.91%)
2023	$6,141.00 (+2.62%) Homeowner's exemption	$503,146 (+3%)	$827,317 (+6.71%) Land $190,000 Building $637,317
2022	$5,984.00 Homeowner's exemption	$488,491	$775,265 Land $162,400 Building $612,865

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
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 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 66% of the US · above 44% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: AT&T.

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