St. Johns County property record for 539 Cloisterbane Dr, Saint Johns, FL 32259
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,700 sqft · built 2015 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $379,900 (Dec 2017) |
| Tax Bill | $6,988 (2025) |
| Deeds & Mortgages | Sep 2023 Second Mortgage Jun 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 009624-0880 |
| Primary APN | 009624-0880 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,700 sqft Living Area |
| Gross Area | 3,342 sqft |
| 1st Floor Area | 2,072 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,890 sqft (0.25 acres) |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 222 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 539 CLOISTERBANE DR |
|---|---|
| City | SAINT JOHNS |
| State | FL |
| Zip | 32259-8237 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 70/45-48 DURBIN CROSSING NORTH PHASE 2E - UNIT 3 LOT 88 OR4477/728 |
| Legal Range | 27E |
| Legal Township | 05S |
| Legal Section | 01 |
| Legal Subdivision | DURBIN CROSSING NORTH PHASE 2E UNIT 3 |
| Legal Phase | 2E |
| Legal Block | 1 |
| Legal Lot Number | 88 |
| Legal Unit | 3 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | FRUIT COVE |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 20808 |
539 Cloisterbane Dr is owned and occupied by two individuals who bought it in December 2017.
Source: St. Johns County records, as of June 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 539 CLOISTERBANE DR, SAINT JOHNS, FL 32259-8237 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 18, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMMUNITY FIRST CREDIT UNION OF FLORIDA |
| Jun 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CMG MORTGAGE INC |
| Dec 15, 2017 | Warranty Deed, Transfer · Stand-Alone First Mortgage JAX FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 15, 2017 · Amount on File |
| Deed Sale | Dec 15, 2017 · Amount on File |
| Prior Sale | Jul 28, 2015 · Amount on File |
| Deed Document Number | 201785035 |
| Deed Book / Page | 4477 / 728 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 539 CLOISTERBANE DR, SAINT JOHNS, FL 32259-8237 |
| Transaction Type | Mortgage |
| Record Updated | Oct 2, 2023 |
| Name | Verified Name |
|---|---|
| Address | 539 CLOISTERBANE DR, SAINT JOHNS, FL 32259-8237 |
| Document Number | 0058261428 |
|---|---|
| Date | Sep 18, 2023 |
| Book Page | 5826/1428 |
| Instrument | 2023073593 |
| Name | COMMUNITY FIRST CREDIT UNION OF FLORIDA |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32204 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Sep 12, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 539 CLOISTERBANE DR, SAINT JOHNS, FL 32259-8237 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Name | Verified Name |
|---|---|
| Address | 539 CLOISTERBANE DR, SAINT JOHNS, FL 32259-8237 |
| Document Number | 0053020169 |
|---|---|
| Date | Jun 25, 2021 |
| Book Page | 5302/169 |
| Instrument | 2021071483 |
| Name | CMG MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN RAMON, CA 94583 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Dec 15, 2017 |
| Property Address | 539 CLOISTERBANE DR, SAINT JOHNS, FL 32259-8237 |
| Document Number | 0044770728 |
| Book / Page | 4477 / 0728 |
| Map Reference | MB70 PG45-48 |
| Instrument Date | Dec 14, 2017 |
| Instrument | 2017085035 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 490 FRESHWATER DR, 490, SAINT JOHNS, FL 32259-7395 |
| Name | Verified Name |
|---|---|
| Address | 539 CLOISTERBANE DR, SAINT JOHNS, FL 32259-8237 |
| Document Number | 2017085036 |
|---|---|
| Date | Dec 15, 2017 |
| Instrument | 2017085036 |
| Name | JAX FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2048 |
The 2025 property tax bill for 539 Cloisterbane Dr was $6,988 with a homeowner's exemption, up 9.4% from the year before.
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 | $345,735 (+2.7%) | $560,614 (+0.66%) Land $160,000 Building $400,614 | |
| 2025 | $6,988.00 (+9.39%) Homeowner's exemption | $336,646 (+2.9%) | $556,918 (+0.82%) Land $155,000 Building $401,918 |
| 2024 | $6,388.00 (+1.83%) Homeowner's exemption | $327,158 (+3%) | $552,373 (+0.52%) Land $155,000 Building $397,373 |
| 2023 | $6,273.00 (+4.1%) Homeowner's exemption | $317,629 (+3%) | $549,502 (+16.91%) Land $145,000 Building $404,502 |
| 2022 | $6,026.00 Homeowner's exemption | $308,378 | $470,008 Land $123,200 Building $346,808 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 539 Cloisterbane Dr in Zone X, an area of minimal flood risk.
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 File median of 138 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 138 in force |
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 risk around 539 Cloisterbane Dr is moderate, ranking above 53% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 53% of the US · lower than 76% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
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 126 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| AT&T Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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