St. Johns County property record for 476 Summerset Dr, Saint Johns, FL 32259
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 3,746 sqft · built 2005 |
| Lot Size | 0.7 acres (30,492 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $475,000 (Jul 2014) |
| Tax Bill | $6,342 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Jun 2023 Second Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 001171-1060 |
| Primary APN | 001171-1060 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 17 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 3,746 sqft Living Area |
| Gross Area | 4,948 sqft |
| 1st Floor Area | 3,746 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 |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 30,492 sqft (0.7 acres) |
| Garage Type | Attached |
| Garage Area | 774 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 572 sqft |
| Patio Area | 168 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 476 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 106 OR3901/1661 |
| Legal Range | 26E |
| Legal Township | 05S |
| Legal Section | 44 |
| Legal Subdivision | BARTRAM PLANTATION PHASE 2 |
| Legal Phase | 2 |
| Legal Block | 1 |
| Legal Lot Number | 106 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | FRUIT COVE |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 20807 |
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 476 SUMMERSET DR, SAINT JOHNS, FL 32259-8890 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 10, 2026 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FEDERAL CREDIT UNION |
| Jun 13, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU |
| Jun 1, 2020 | Deed of Trust, Mortgage · VA Mortgage MR COOPER |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 9, 2014 · Amount on Record |
| Deed Sale | Jul 9, 2014 · Amount on Record |
| Prior Sale | Feb 18, 2014 |
| Deed Document Number | 201439156 |
| Deed Book / Page | 3901 / 1661 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jun 10, 2026 |
| Property Address | 476 SUMMERSET DR, SAINT JOHNS, FL 32259-8890 |
| Document Number | 0000049822 |
| Book / Page | 6381 / 757 |
| Instrument Date | Jun 2, 2026 |
| Instrument | 202649822 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER |
| Name | Verified Name |
|---|---|
| Address | 476 SUMMERSET DR, SAINT JOHNS, FL 32259-8890 |
| Document Number | 0000049822, |
|---|---|
| Date | Jun 10, 2026 |
| Book Page | 6381/757 |
| Instrument | 202649822 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Jul 1, 2031 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 476 SUMMERSET DR, SAINT JOHNS, FL 32259-8890 |
| Transaction Type | Mortgage |
| Record Updated | Jun 26, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 476 SUMMERSET DR, SAINT JOHNS, FL 32259-8890 |
| Document Number | 0057740035 |
|---|---|
| Date | Jun 13, 2023 |
| Book Page | 5774/35 |
| Instrument | 2023045480 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Jun 1, 2028 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 476 SUMMERSET DR, SAINT JOHNS, FL 32259-8890 |
| Document Number | 0049600030 |
| Instrument Date | Jun 1, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 24, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 476 SUMMERSET DR ST JOHNS FL 322598890, ST JOHNS, FL 32259-8890 |
| Document Number | 0049600030 |
|---|---|
| Date | Jun 9, 2020 |
| Book Page | 004960/000030 |
| Instrument | 44416 |
| Name | MR COOPER |
|---|---|
| Address | DALLAS, TX 75019 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 8, 2050 |
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 | $497,961 (+2.7%) | $708,493 (-1.17%) Land $200,000 Building $508,493 | |
| 2025 | $6,342.00 (+11.89%) Homeowner's exemption | $484,870 (+2.9%) | $716,866 (-1.24%) Land $215,000 Building $501,866 |
| 2024 | $5,668.00 (+1.92%) Homeowner's exemption | $471,205 (+3%) | $725,843 (-1.88%) Land $200,000 Building $525,843 |
| 2023 | $5,561.00 (+2.66%) Homeowner's exemption | $457,481 (+3%) | $739,743 (+6.3%) Land $190,000 Building $549,743 |
| 2022 | $5,417.00 Homeowner's exemption | $444,156 | $695,893 Land $162,400 Building $533,493 |
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 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.
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 |
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 USA Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures