St. Johns County property record for 465 Summerset Dr, Saint Johns, FL 32259
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 6 ba · 4,561 sqft · built 2005 |
| Lot Size | 0.65 acres (28,314 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $640,000 (Apr 2016) |
| Tax Bill | $12,021 (2025) |
| Deeds & Mortgages | Apr 2024 Line of Credit Jan 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 001171-1140 |
| Primary APN | 001171-1140 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 6 Baths |
| Plumbing Fixtures | 24 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 4,561 sqft Living Area |
| Gross Area | 5,306 sqft |
| 1st Floor Area | 3,034 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 28,314 sqft (0.65 acres) |
| Garage Type | Attached |
| Garage Area | 745 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 722 sqft |
|---|---|
| Porch | Finished/Open Porch |
| Porch Area | 563 sqft |
| Deck Area | Deck Area |
| Patio Area | 1,041 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 465 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 114 OR4176/453(TR/D) &4192/79(TR/D) |
| Legal Range | 26E |
| Legal Township | 05S |
| Legal Section | 44 |
| Legal Subdivision | BARTRAM PLANTATION PHASE 2 |
| Legal Phase | 2 |
| Legal Block | 1 |
| Legal Lot Number | 114 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | FRUIT COVE |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 20807 |
Source: St. Johns County records, as of June 17, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 465 SUMMERSET DR, SAINT JOHNS, FL 32259-8891 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 5, 2024 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Jan 21, 2021 | Deed of Trust, Mortgage · Line of Credit 121 FINANCIAL CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 12, 2016 · Amount on Record |
| Deed Sale | Apr 12, 2016 · Amount on Record |
| Prior Sale | Jun 18, 2014 · Amount on Record |
| Deed Document Number | 201622303 |
| Deed Book / Page | 4176 / 453 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 465 SUMMERSET DR, SAINT JOHNS, FL 32259-8891 |
| Transaction Type | Mortgage |
| Record Updated | Apr 18, 2024 |
| Name | Verified Name |
|---|---|
| Address | 465 SUMMERSET DR, SAINT JOHNS, FL 32259-8891 |
| Document Number | 0059270673 |
|---|---|
| Date | Apr 5, 2024 |
| Book Page | 5927/673 |
| Instrument | 2024025436 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Apr 13, 2064 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 465 SUMMERSET DR, SAINT JOHNS, FL 32259-8891 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 465 SUMMERSET DR, JACKSONVILLE, FL 32259-8891 |
| Document Number | 0051580090 |
|---|---|
| Date | Jan 21, 2021 |
| Book Page | 5158/90 |
| Instrument | 2021007440 |
| Name | 121 FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32203 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 20, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: St. Johns County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $888,758 (-1.96%) Land $200,000 Building $688,758 | $888,758 (-1.96%) Land $200,000 Building $688,758 | |
| 2025 | $12,021.00 (+9.4%) Homeowner's exemption | $906,526 (+1.24%) | $906,526 (+1.24%) Land $215,000 Building $691,526 |
| 2024 | $10,988.00 (-1.73%) Homeowner's exemption | $895,421 (-0.54%) | $895,421 (-2.41%) Land $200,000 Building $695,421 |
| 2023 | $11,182.00 (+2.41%) Homeowner's exemption | $900,301 (+3%) | $917,524 (+4.97%) Land $190,000 Building $727,524 |
| 2022 | $10,919.00 Homeowner's exemption | $874,079 | $874,079 Land $162,400 Building $711,679 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 100 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.
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 | 0.09% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 76 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless 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 |
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