442 Summerset Dr, Saint Johns, FL 32259 Property Records

St. Johns County property record for 442 Summerset Dr, Saint Johns, FL 32259

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,768 sqft · built 2005
Lot Size	0.62 acres (27,007 sqft)
Owner	2 Individual Names on Record
Last Sale	$815,000 (Nov 2023)
Tax Bill	$6,225 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Apr 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`001171-0880`

Property Details

APN / Parcel Number

Primary APN	`001171-0880`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	16 Plumbing Fixtures
Stories	1 Story
Building Area	2,768 sqft Living Area
Gross Area	3,635 sqft
1st Floor Area	2,768 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2010
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	27,007 sqft (0.62 acres)
Garage Type	Attached
Garage Area	867 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	512 sqft
Porch	Finished/Open Porch
Porch Area	261 sqft
Deck Area	Deck Area
Patio Area	602 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	442 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 88 OR2322/1800 & 5742/75 & 5855/1835
Legal Range	26E
Legal Township	05S
Legal Section	44
Legal Subdivision	BARTRAM PLANTATION PHASE 2
Legal Phase	2
Legal Block	1
Legal Lot Number	88
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	442 SUMMERSET DR, SAINT JOHNS, FL 32259-8890
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2023	Warranty Deed, Transfer · Conventional Mortgage VYSTAR CU
Apr 18, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 13, 2023 · Amount on Record
Deed Sale	Nov 13, 2023 · Amount on Record
Prior Sale	Nov 19, 2004 · Amount on Record
Deed Document Number	202388980
Deed Book / Page	5855 / 1835
Prior Transfer Date	Feb 23, 2023
Prior Transfer Doc	0057420075
Record Updated	Oct 29, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Nov 13, 2023
Property Address	442 SUMMERSET DR, SAINT JOHNS, FL 32259-8890
Document Number	0058551835
Book / Page	5855 / 1835
Map Reference	MB 46 PG 78-89
Instrument Date	Nov 3, 2023
Instrument	2023088980
Transaction Type	Transfer
Record Updated	Dec 4, 2023
Title Company	GIBRALTAR TITLE COMPANY, GIBRALTAR TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,705.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	77 BLACKWOOD CT, SAINT JOHNS, FL 32259-3080

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	442 SUMMERSET DR, SAINT JOHNS, FL 32259-8890

Mortgage

Document Number	0058551838
Date	Nov 13, 2023
Instrument	5855///1838

Lender

Name	VYSTAR CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Dec 1, 2028
Change Frequency	5 Years
Min Rate At Change	4.5%
Max Rate At Change	8.5%
Index	5-Year TN
Max Rate	11.5%

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOHNS FL
Recording Date	Apr 18, 2023
Property Address	442 SUMMERSET DR, SAINT JOHNS, FL 32259-8890
Document Number	0057420075
Book / Page	5742 / 75
Map Reference	MB 46 PG 78-89
Instrument Date	Feb 23, 2023
Instrument	2023029085
Transaction Type	Transfer
Record Updated	Jun 2, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	442 SUMMERSET DR, SAINT JOHNS, FL 32259-8890

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	442 SUMMERSET DR, SAINT JOHNS, FL 32259-8890

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		$489,056 (+2.7%)	$583,369 (-2.96%) Land $200,000 Building $383,369
2025	$6,225.00 (+11.92%) Homeowner's exemption	$476,199 (+2.9%)	$601,191 (-0.39%) Land $215,000 Building $386,191
2024	$5,562.00 (+31.74%) Homeowner's exemption	$462,778 (+29.64%)	$603,519 (+6.11%) Land $200,000 Building $403,519
2023	$4,222.00 (+1.3%) Homeowner's exemption Widower's exemption	$356,977 (+3%)	$568,751 (+9.16%) Land $190,000 Building $378,751
2022	$4,168.00 Homeowner's exemption	$346,580	$521,002 Land $162,400 Building $358,602

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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