838 Summer Bay Dr, Saint Augustine, FL 32080 Property Records

St. Johns County property record for 838 Summer Bay Dr, Saint Augustine, FL 32080

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,961 sqft · built 1999
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$487,000 (Sep 2020)
Tax Bill	$9,474 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`162692-0040`

Property Details

APN / Parcel Number

Primary APN	`162692-0040`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Stories	1 Story
Building Area	2,961 sqft Living Area
Gross Area	3,638 sqft
1st Floor Area	2,961 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2004
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Attached
Garage Area	542 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	395 sqft
Patio Area	297 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	838 SUMMER BAY DR
City	SAINT AUGUSTINE
State	FL
Zip	32080-6118
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	30/78-80 MARSH CREEK UNIT 11 LOT 4 OR5031/1444
Legal Range	30E
Legal Township	07S
Legal Section	33
Legal Subdivision	MARSH CREEK UNIT 11
Legal Block	4
Legal Lot Number	4
Legal Unit	11
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	4
Census Block	4007
Census Tract	21408

Owner

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	838 SUMMER BAY DR, SAINT AUGUSTINE, FL 32080-6118
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2020 · Amount on Record
Deed Sale	Sep 1, 2020 · Amount on Record
Deed Document Number	202074027
Deed Book / Page	5031 / 1444
Prior Transfer Date	Jun 24, 2003
Prior Transfer Doc	0000045653
Record Updated	Oct 29, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Sep 1, 2020
Property Address	838 SUMMER BAY DR, SAINT AUGUSTINE, FL 32080-6118
Document Number	0050311444
Book / Page	5031 / 1444
Map Reference	MB 30 PG 78-80
Instrument Date	Aug 20, 2020
Instrument	2020074027
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	LAND TITLE OF AMERICA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,409.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3809 MANTEO CIR, 3809, ORLANDO, FL 32837-5851

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	838 SUMMER BAY DR, SAINT AUGUSTINE, FL 32080-6118

Mortgage

Document Number	50311446
Date	Sep 1, 2020
Instrument	5031/1446

Lender

Name	FIRST FLORIDA CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 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		$671,890 (-2.98%) Land $185,000 Building $486,890	$671,890 (-2.98%) Land $185,000 Building $486,890
2025	$9,474.00 (+14.61%)	$692,525 (+1.27%)	$692,525 (+1.27%) Land $185,000 Building $507,525
2024	$8,266.00 (+3.31%)	$683,809 (-0.92%)	$683,809 (-0.92%) Land $215,000 Building $468,809
2023	$8,001.00 (+8.77%)	$690,150 (+9.49%)	$690,150 (+9.49%) Land $215,000 Building $475,150
2022	$7,356.00	$630,318	$630,318 Land $212,800 Building $417,518

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
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 334 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	662 units insured incl. 328 condo units
Nearby Flood Claims	9 (2016–2022)
Claims Outside the SFHA	2 of 9
Most Recent Claim	Nov 2022 · Hurricane Nicole
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims Hurricane Matthew, Oct 2016 · 4 claims

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	Moderate above 51% of the US · lower than 78% of Florida
Wildfire Likelihood	0.09% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SJCU-CR214 MAINLAND WTP serves 66,953 people · EPA ID FL2554447
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 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 263 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
IQ Fiber Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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