704 E Cumberland Ct, Saint Johns, FL 32259 Property Records

St. Johns County property record for 704 E Cumberland Ct, Saint Johns, FL 32259

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,619 sqft · built 1999
Lot Size	0.21 acres (9,147 sqft)
Owner	2 Individual Names on Record
Last Sale	$380,000 (Jun 2020)
Tax Bill	$1,820 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`249440-0850`

Property Details

APN / Parcel Number

Primary APN	`249440-0850`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Stories	1 Story
Building Area	2,619 sqft Living Area
Gross Area	3,073 sqft
1st Floor Area	2,157 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2004
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,147 sqft (0.21 acres)
Garage Type	Attached
Garage Area	454 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	420 sqft
Porch	Finished/Open Porch
Porch Area	295 sqft
Deck Area	Deck Area
Patio Area	480 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	704 E CUMBERLAND CT
City	SAINT JOHNS
State	FL
Zip	32259-4514
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	35/5-11 JULINGTON CREEK PLANTATION PARCEL 44 PHASE 1B LOT 85 OR4956/319
Legal Range	27E
Legal Township	04S
Legal Section	34
Legal Subdivision	JULINGTON CREEK PLANTATION PARCEL 44 PHA
Legal Phase	1B
Legal Block	1
Legal Lot Number	85
Jurisdiction	ST JOHNS FL
Township / Civil Division	FRUIT COVE
Census Block Group	1
Census Block	1000
Census Tract	20802

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	704 E CUMBERLAND CT, SAINT JOHNS, FL 32259-4514
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2022	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Jun 3, 2020	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2020 · Amount on Record
Deed Sale	Jun 3, 2020 · Amount on Record
Prior Sale	Jul 6, 2004 · Amount on Record
Deed Document Number	202042657
Deed Book / Page	4956 / 319
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	704 E CUMBERLAND CT, SAINT JOHNS, FL 32259-4514
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 E CUMBERLAND CT, SAINT JOHNS, FL 32259-4514

Mortgage

Document Number	0056180836
Date	Aug 18, 2022
Book Page	5618/836
Instrument	2022079808

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	BURLINGAME, CA 94010

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jun 3, 2020
Property Address	704 E CUMBERLAND CT, SAINT JOHNS, FL 32259-4514
Document Number	0049560319
Book / Page	004956 / 000319
Instrument Date	May 29, 2020
Instrument	42657
Transaction Type	Transfer
Record Updated	Jul 24, 2020
Title Company	KENDALL TITLE SERVICES, KENDALL TITLE SVCS

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,660.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	704 E CUMBERLAND CT ST JOHNS FL 322594514, ST JOHNS, FL 32259-4514

Mortgage

Document Number	49560327
Date	Jun 3, 2020
Book Page	004956/000327
Instrument	42660

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 2, 2050

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		$371,629 (+2.7%)	$451,937 (-2.11%) Land $95,000 Building $356,937
2025	$1,820.00 (+11.11%) Disabled Person's exemption Veteran's exemption	$361,859 (+2.9%)	$461,668 (+5.36%) Land $95,000 Building $366,668
2024	$1,638.00 (-67.78%) Disabled Person's exemption Veteran's exemption	$351,661 (+3%)	$438,192 (+1.3%) Land $95,000 Building $343,192
2023	$5,084.00 (+2.25%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$341,418 (+3%)	$432,564 (+2.82%) Land $85,000 Building $347,564
2022	$4,972.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$331,474	$420,700 Land $78,400 Building $342,300

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 28 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	28 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 193 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

Cell Coverage

5G (outdoors only) and 4G LTE

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