St. Johns County property record for 1020 Windward Way, Saint Augustine, FL 32080 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,660 sqft · built 2003 |
| Lot Size | 0.12 acres (5,227 sqft) |
| Owner | Individual Name on File |
| Last Sale | $335,000 (May 2018) |
| Tax Bill | $6,583 (2025) |
| Deeds & Mortgages | Jul 2023 Line of Credit Sep 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 162931-1500 |
| Primary APN | 162931-1500 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,660 sqft Living Area |
| Gross Area | 2,348 sqft |
| 1st Floor Area | 1,660 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Concrete |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,227 sqft (0.12 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 200 sqft |
|---|---|
| Porch | Finished Screened Porch |
| Porch Area | 285 sqft |
| Deck Area | Deck Area |
| Patio Area | 280 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1020 WINDWARD WAY |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32080-6183 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 41/43-46 COMMODORES CLUB PHASE 3B BLOCK 1 LOT 50 OR4540/906 |
| Legal Range | 30E |
| Legal Township | 07S |
| Legal Section | 33 |
| Legal Subdivision | COMMODORES CLUB PHASE 3B |
| Legal Phase | 3B |
| Legal Block | 1 |
| Legal Lot Number | 50 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 21408 |
Source: St. Johns County records · APN 162931-1500
Assessment roll updated April 13, 2026 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1020 WINDWARD WAY, SAINT AUGUSTINE, FL 32080-6183 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 12, 2023 | Deed of Trust, Mortgage · Line of Credit TD BANK NA |
| Sep 09, 2019 | Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS |
| May 02, 2018 | Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 02, 2018 · Amount on Record |
| Deed Sale | May 02, 2018 · Amount on Record |
| Prior Sale | May 31, 2011 · Amount on Record |
| Deed Document Number | 201829834 |
| Deed Book / Page | 4540 / 906 |
| Prior Transfer Date | Oct 17, 2003 |
| Prior Transfer Doc | 0000078201 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 1020 WINDWARD WAY, SAINT AUGUSTINE, FL 32080-6183 |
| Transaction Type | Mortgage |
| Record Updated | Jul 24, 2023 |
| Title Company | ACTION TITLE SERVICES |
| Name | Verified Name |
|---|---|
| Address | 1020 WINDWARD WAY, SAINT AUGUSTINE, FL 32080-6183 |
| Document Number | 0057901136 |
|---|---|
| Date | Jul 12, 2023 |
| Book Page | 5790/1136 |
| Instrument | 2023054172 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19808 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 1020 WINDWARD WAY, SAINT AUGUSTINE, FL 32080-6183 |
| Document Number | 0047951807 |
| Instrument Date | Sep 09, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 26, 2019 |
| Title Company | WFG LENDER SERVICES, WFG LENDER SVCS |
| Name | Verified Name |
|---|---|
| Address | 1020 WINDWARD WAY ST AUGUSTINE FL 320806183, ST AUGUSTINE, FL 32080-6183 |
| Document Number | 0047951807 |
|---|---|
| Date | Sep 17, 2019 |
| Book Page | 004795/001807 |
| Instrument | 68632 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 16, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | May 02, 2018 |
| Property Address | 1020 WINDWARD WAY, SAINT AUGUSTINE, FL 32080-6183 |
| Document Number | 0045400906 |
| Book / Page | 004540 / 000906 |
| Instrument Date | May 01, 2018 |
| Instrument | 29834 |
| Transaction Type | Transfer |
| Record Updated | May 30, 2018 |
| Title Company | ACTION TITLE SERVICES/STATE JOHNS COUNTY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,345.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1020 WINDWARD WAY ST AUGUSTINE FL 320806183, ST AUGUSTINE, FL 32080-6183 |
| Document Number | 45400908 |
|---|---|
| Date | May 02, 2018 |
| Book Page | 004540/000908 |
| Instrument | 29835 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2048 |
Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $464,053 (-8.27%) Land $100,000 Building $364,053 | $464,053 (-8.27%) Land $100,000 Building $364,053 | |
| 2025 | $6,583.00 (+8.33%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $505,874 (+2.8%) | $505,874 (+2.8%) Land $100,000 Building $405,874 |
| 2024 | $6,077.00 (+5.76%) | ||
| 2023 | $5,746.00 (+6.7%) | $492,105 (+5.2%) | $492,105 (+5.2%) Land $110,000 Building $382,105 |
| 2022 | $5,385.00 | $467,773 | $467,773 Land $95,200 Building $372,573 |
Source: FEMA National Flood Hazard Layer, St. Johns County (12109C), updated September 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121090214083, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 429 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 653 units insured (224 under condo master policies) 368 of 429 individual policies on primary residences |
| Nearby Flood Claims | 6 (2016–2024) |
| Claims Outside the SFHA | 4 of 6 |
| Most Recent Claim | Oct 2024, tidal / storm surge, Hurricane Milton |
| Flood Events |
|
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
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