St. Johns County property record for 78 Clifton Bay Loop, Saint Johns, FL 32259
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,298 sqft · built 2019 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $357,500 (Aug 2019) |
| Tax Bill | $7,771 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Aug 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 023719-1120 |
| Primary APN | 023719-1120 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,298 sqft Living Area |
| Gross Area | 2,794 sqft |
| 1st Floor Area | 827 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 6,534 sqft (0.15 acres) |
| Garage Type | Attached |
| Garage Area | 396 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Finished Screened Porch |
| Porch Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 78 CLIFTON BAY LOOP |
|---|---|
| City | SAINT JOHNS |
| State | FL |
| Zip | 32259-9140 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 88/52-69 TWIN CREEKS NORTH PARCELS 2 AND 3 PHASE ONE LOT 112 OR4785/1338 |
| Legal Range | 28E |
| Legal Township | 05S |
| Legal Section | 09 |
| Legal Subdivision | TWIN CREEKS NORTH PARCELS 2 AND 3 PHASE |
| Legal Phase | 1 |
| Legal Block | 1 |
| Legal Lot Number | 112 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 20904 |
Source: St. Johns County records, 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 Record |
|---|---|
| Mailing Address | 78 CLIFTON BAY LOOP, SAINT JOHNS, FL 32259-9140 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 16, 2021 | Deed of Trust, Mortgage · FHA Mortgage SUN WEST MORTGAGE COMPANY INC |
| Aug 27, 2019 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage EAGLE HOME MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 27, 2019 · Amount on Record |
| Deed Sale | Aug 27, 2019 · Amount on Record |
| Deed Document Number | 201963581 |
| Deed Book / Page | 4785 / 1338 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 78 CLIFTON BAY LOOP, SAINT JOHNS, FL 32259-9140 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Name | Verified Name |
|---|---|
| Address | 78 CLIFTON BAY LOOP, SAINT JOHNS, FL 32259-9140 |
| Document Number | 0052080271 |
|---|---|
| Date | Mar 16, 2021 |
| Book Page | 5208/271 |
| Instrument | 2021028764 |
| Name | SUN WEST MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Address | BUENA PARK, CA 90620 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Jan 1, 2051 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Aug 27, 2019 |
| Property Address | 78 CLIFTON BAY LOOP, SAINT JOHNS, FL 32259-9140 |
| Document Number | 0047851338 |
| Book / Page | 4785 / 1338 |
| Map Reference | MB 88 PG 52 |
| Instrument Date | Aug 23, 2019 |
| Instrument | 2019063581 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | May 2, 2022 |
| Title Company | CALATLANTIC TITLE IC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,502.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9440 PHILIPS HWY STE 7, 9440, JACKSONVILLE, FL 32256-1339 |
| Name | Verified Name |
|---|---|
| Address | 78 CLIFTON BAY LOOP, SAINT JOHNS, FL 32259-9140 |
| Document Number | 0047851342 |
|---|---|
| Date | Aug 27, 2019 |
| Instrument | 4785/1342 |
| Name | EAGLE HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2049 |
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 | $301,125 (+2.7%) | $367,816 (-9.92%) Land $95,000 Building $272,816 | |
| 2025 | $7,771.00 (+5.83%) Homeowner's exemption | $293,208 (+2.9%) | $408,323 (-7.65%) Land $95,000 Building $313,323 |
| 2024 | $7,343.00 (+2.53%) Homeowner's exemption | $284,945 (+3%) | $442,138 (+15.19%) Land $110,000 Building $332,138 |
| 2023 | $7,162.00 (+5.01%) Homeowner's exemption | $276,646 (+3%) | $383,821 (+4.94%) Land $95,000 Building $288,821 |
| 2022 | $6,820.00 Homeowner's exemption | $268,588 | $365,761 Land $84,000 Building $281,761 |
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 206 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 206 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · lower than 84% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% 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 256 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 | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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