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

St. Johns County property record for 712 E Cumberland Ct, Saint Johns, FL 32259

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,360 sqft · built 1999
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$247,500 (Jul 2003)
Tax Bill	$4,479 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Dec 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`249440-0840`

Property Details

APN / Parcel Number

Primary APN	`249440-0840`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Stories	1 Story
Building Area	2,360 sqft Living Area
Gross Area	2,825 sqft
1st Floor Area	1,925 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
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	465 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	265 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	712 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 84 OR2007/263
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	84
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	712 E CUMBERLAND CT, SAINT JOHNS, FL 32259-4514
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CU
Dec 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage COGENT BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2003 · Amount on Record
Deed Sale	Jul 29, 2003 · Amount on Record
Prior Sale	Jul 29, 2003 · Amount on Record
Deed Document Number	200353305
Deed Book / Page	2007 / 263
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	712 E CUMBERLAND CT, SAINT JOHNS, FL 32259-4514
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	712 E CUMBERLAND CT, SAINT JOHNS, FL 32259-4514

Mortgage

Document Number	0053860804
Date	Oct 5, 2021
Book Page	5386/804
Instrument	2021108586

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	712 E CUMBERLAND CT, SAINT JOHNS, FL 32259-4514
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0048430762
Date	Dec 4, 2019
Book Page	4843/0762
Instrument	2019090895

Lender

Name	COGENT BANK
Type	Bank
Address	ORANGE CITY, FL 32763

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 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		$242,532 (+2.7%)	$397,982 (-1.32%) Land $95,000 Building $302,982
2025	$4,479.00 (+11.39%) Homeowner's exemption	$236,156 (+2.9%)	$403,298 (+1.54%) Land $95,000 Building $308,298
2024	$4,021.00 (+10.41%) Homeowner's exemption	$229,500 (+3%)	$397,190 (+1.67%) Land $95,000 Building $302,190
2023	$3,642.00 (+2.25%) Homeowner's exemption	$222,816 (+3%)	$390,664 (+3.45%) Land $85,000 Building $305,664
2022	$3,562.00 Homeowner's exemption	$216,326	$377,620 Land $78,400 Building $299,220

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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