98 Sundown Covey Trl, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 98 Sundown Covey Trl, Saint Augustine, FL 32095

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,672 sqft · built 2022
Lot Size	0.28 acres (12,196 sqft)
Owner	2 Individual Names on File
Last Sale	$666,500 (Sep 2022)
Tax Bill	$10,276 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`027018-3930`

Property Details

APN / Parcel Number

Primary APN	`027018-3930`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	16 Plumbing Fixtures
Stories	2 Stories
Building Area	3,672 sqft Living Area
Gross Area	4,395 sqft
1st Floor Area	1,679 sqft
Flooring	Carpet

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,196 sqft (0.28 acres)
Garage Type	Attached
Garage Area	723 sqft
Parking Spaces	3 Parking Spaces
Porch	Finished/Open Porch
Porch Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	98 SUNDOWN COVEY TRL
City	SAINT AUGUSTINE
State	FL
Zip	32095-0053
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	111/23-36 PRESERVE AT BANNON LAKES PHASE 2B LOT 393 OR5637/632
Legal Subdivision	PRESERVE AT BANNON LAKES PHASE 2B
Legal Block	1
Legal Lot Number	393
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2065
Census Tract	20904

Owner

98 Sundown Covey Trl is owned and occupied by two individuals who bought it in September 2022.

Source: St. Johns County records, as of June 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	98 SUNDOWN COVEY TRL, SAINT AUGUSTINE, FL 32095-0053
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 21, 2022 · Amount on File
Deed Sale	Sep 21, 2022 · Amount on File
Deed Document Number	202289956
Deed Book / Page	5637 / 632
Record Updated	Sep 20, 2026

September 2022: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Sep 21, 2022
Property Address	98 SUNDOWN COVEY TRL, SAINT AUGUSTINE, FL 32095-0053
Document Number	0056370632
Book / Page	5637 / 632
Map Reference	MB 111 PG 23-36
Instrument Date	Sep 15, 2022
Instrument	2022089956
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 13, 2026
Title Company	PGP TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,665.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12724 GRAN BAY PKWY W # W200, W200, JACKSONVILLE, FL 32258-9485

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 SUNDOWN COVEY TRL, SAINT AUGUSTINE, FL 32095-0053

Mortgage

Document Number	0005637634
Date	Sep 21, 2022
Instrument	5637/634

Lender

Name	PULTE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 98 Sundown Covey Trl was $10,276 with exemptions applied, up 1% from the year before.

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		$570,627 (+2.7%)	$676,046 (-0.45%) Land $125,000 Building $551,046
2025	$10,276.00 (+9.96%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$555,625 (+2.9%)	$679,071 (-0.22%) Land $125,000 Building $554,071
2024	$9,345.00 (+11.96%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$539,966 (+18.61%)	$680,572 (+12.58%) Land $125,000 Building $555,572
2023	$8,347.00 (+117.77%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$455,258 (+441.97%)	$604,522 (+619.67%) Land $120,000 Building $484,522
2022	$3,833.00	$84,000	$84,000 Land $84,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 98 Sundown Covey Trl in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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.

Wildfire

Wildfire risk around 98 Sundown Covey Trl is moderate, ranking above 66% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	Moderate above 66% of the US · above 44% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

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 155 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 / 2,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20