St. Johns County property record for 88 Cloverbank Rd, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4.5 ba · 2,735 sqft · built 2021 |
| Lot Size | 0.21 acres (9,147 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $560,220 (Sep 2021) |
| Tax Bill | $7,084 (2025) |
| Deeds & Mortgages | Jul 2022 Line of Credit Sep 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 028991-2280 |
| Primary APN | 028991-2280 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 21 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,735 sqft Living Area |
| Gross Area | 3,721 sqft |
| 1st Floor Area | 2,735 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,147 sqft (0.21 acres) |
| Garage Type | Attached |
| Garage Area | 746 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Finished Screened Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 88 CLOVERBANK RD |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-9357 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 93/36-44 GRAN LAKE PHASE 2 LOT 228 OR5377/261 |
| Legal Range | 28E |
| Legal Township | 07S |
| Legal Section | 41 |
| Legal Subdivision | GRAN LAKE PHASE 2 |
| Legal Phase | 2 |
| Legal Block | 1 |
| Legal Lot Number | 228 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 20906 |
88 Cloverbank Rd is owned and occupied by two individuals who bought it in September 2021.
Source: St. Johns County records, as of April 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 88 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9357 |
| 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 |
|---|---|
| Jul 28, 2022 | Deed of Trust, Mortgage · Line of Credit FIRST AMERICAN BANK |
| Sep 24, 2021 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage JET HOMELOANS LLC |
| Oct 28, 2020 | Loan Modification, Mortgage · Conventional Mortgage US BK |
| Oct 29, 2020 | Grant Deed, Transfer DF TITLE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 24, 2021 · Amount on File |
| Deed Sale | Sep 24, 2021 · Amount on File |
| Deed Document Number | 2021104725 |
| Deed Book / Page | 5377 / 261 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 88 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9357 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0056051046 |
|---|---|
| Date | Jul 28, 2022 |
| Book Page | 5605/1046 |
| Instrument | 2022073134 |
| Name | FIRST AMERICAN BANK |
|---|---|
| Type | Bank |
| Address | HAMPSHIRE, IL 60140 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Aug 1, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Sep 24, 2021 |
| Property Address | 88 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9357 |
| Document Number | 0053770261 |
| Book / Page | 5377 / 261 |
| Map Reference | MB 93 PG 36-44 |
| Instrument Date | Sep 23, 2021 |
| Instrument | 2021104725 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Oct 23, 2025 |
| Title Company | GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TRUST |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,922.10 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14701 PHILIPS HWY STE 300, 300, JACKSONVILLE, FL 32256-3742 |
| Name | Verified Name |
|---|---|
| Address | 88 CLOVERBANK RD, ST AUGUSTINE, FL 32092-9357 |
| Document Number | 0005377263 |
|---|---|
| Date | Sep 24, 2021 |
| Instrument | 5377/263 |
| Name | JET HOMELOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 88 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9357 |
| Document Number | 0050840485 |
| Instrument Date | Oct 28, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 12, 2020 |
| Title Company | OTHER |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 14701 PHILIPS HWY JACKSONVILLE FL 322563743, JACKSONVILLE, FL 32256-3743 |
| Document Number | 0050840485 |
|---|---|
| Date | Oct 29, 2020 |
| Book Page | 005084/000485 |
| Instrument | 96601 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | SAN ANTONIO, TX 78240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Oct 29, 2020 |
| Property Address | 88 CLOVERBANK RD, SAINT AUGUSTINE, FL 32092-9357 |
| Document Number | 0050831826 |
| Book / Page | 005083 / 001826 |
| Instrument Date | Oct 22, 2020 |
| Instrument | 96477 |
| Transaction Type | Transfer |
| Record Updated | Nov 6, 2020 |
| Title Company | DF TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $7,452.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 14701 PHILIPS HWY JACKSONVILLE FL 322563743, JACKSONVILLE, FL 32256-3743 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 88 Cloverbank Rd was $7,084 with a homeowner's exemption, up 5.4% 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 | $532,154 (-1.45%) Land $125,000 Building $407,154 | $532,154 (-1.45%) Land $125,000 Building $407,154 | |
| 2025 | $7,084.00 (+5.43%) Homeowner's exemption | $539,972 (-2.7%) | $539,972 (-2.7%) Land $115,000 Building $424,972 |
| 2024 | $6,719.00 (+3.5%) Homeowner's exemption | $554,977 (+4.55%) | $554,977 (+4.55%) Land $110,000 Building $444,977 |
| 2023 | $6,492.00 (+1%) Homeowner's exemption | $530,800 (+1.46%) | $530,800 (+1.46%) Land $106,000 Building $424,800 |
| 2022 | $6,428.00 Homeowner's exemption | $523,157 | $523,157 Land $84,000 Building $439,157 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 88 Cloverbank Rd 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 62 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 62 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 88 Cloverbank Rd is moderate, ranking above 58% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 58% of the US · lower than 68% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 245 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Fiber · Cable in parts of the area | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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