St. Johns County property record for 108 Windermere Way, Saint Augustine, FL 32095
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,460 sqft · built 2020 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $392,994 (Dec 2020) |
| Tax Bill | $7,742 (2025) |
| Deeds & Mortgages | Feb 2023 Second Mortgage Jan 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 023723-0560 |
| Primary APN | 023723-0560 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,460 sqft Living Area |
| Gross Area | 2,886 sqft |
| 1st Floor Area | 1,216 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,534 sqft (0.15 acres) |
| Garage Type | Attached |
| Garage Area | 426 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 114 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 108 WINDERMERE WAY |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32095-7558 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 100/21-40 BEACON LAKE PHASE 2C LOT 56 OR5135/417 & 5705/1692 |
| Legal Range | 28E |
| Legal Township | 05S |
| Legal Section | 15 |
| Legal Subdivision | BEACON LAKE PHASE 2C |
| Legal Phase | 2C |
| Legal Block | 1 |
| Legal Lot Number | 56 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2031 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 108 WINDERMERE WAY, SAINT AUGUSTINE, FL 32095-7558 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Feb 7, 2023 | Intrafamily Transfer, Transfer · Stand-Alone Second Mortgage SPRING HILL STATE BANK |
| Jan 31, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Dec 28, 2020 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 28, 2020 · Amount on Record |
| Deed Sale | Dec 28, 2020 · Amount on Record |
| Deed Document Number | 2020118377 |
| Deed Book / Page | 5135 / 417 |
| Last Transfer Date | Jan 31, 2023 |
| Transfer Doc | 0057051692 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Feb 7, 2023 |
| Property Address | 108 WINDERMERE WAY, SAINT AUGUSTINE, FL 32095-7558 |
| Document Number | 0057051692 |
| Book / Page | 5705 / 1692 |
| Map Reference | MB 100 PG 21-40 |
| Instrument Date | Jan 31, 2023 |
| Instrument | 2023009686 |
| Transaction Type | Transfer |
| Record Updated | Feb 16, 2023 |
| Title Company | SERVICELINK |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 108 WINDERMERE WAY, SAINT AUGUSTINE, FL 32095-7558 |
| Document Number | 0057051695 |
|---|---|
| Date | Feb 7, 2023 |
| Instrument | 5705/1695 |
| Name | SPRING HILL STATE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Mar 1, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 108 WINDERMERE WAY, SAINT AUGUSTINE, FL 32095-7558 |
| Transaction Type | Mortgage |
| Record Updated | Feb 11, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0054810151 |
|---|---|
| Date | Jan 31, 2022 |
| Book Page | 5481/151 |
| Instrument | 2022010694 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Dec 28, 2020 |
| Property Address | 108 WINDERMERE WAY, SAINT AUGUSTINE, FL 32095-7558 |
| Document Number | 0051350417 |
| Book / Page | 5135 / 417 |
| Map Reference | MB 100 PG 21-40 |
| Instrument Date | Dec 22, 2020 |
| Instrument | 2020118377 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 28, 2022 |
| Title Company | GOLDEN DOG TITLE AND TRUST |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,751.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14701 PHILIPS HWY STE 300, 14701, JACKSONVILLE, FL 32256-3742 |
| Name | Verified Name |
|---|---|
| Address | 108 WINDERMERE WAY, SAINT AUGUSTINE, FL 32095-7558 |
| Document Number | 0005135419 |
|---|---|
| Date | Dec 28, 2020 |
| Instrument | 5135/419 |
| Name | ACADEMY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
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 | $362,547 (+2.7%) | $467,287 (-3.16%) Land $120,000 Building $347,287 | |
| 2025 | $7,742.00 (+7.81%) Homeowner's exemption | $353,016 (+5.99%) | $482,517 (+9.3%) Land $120,000 Building $362,517 |
| 2024 | $7,181.00 (+3.29%) | ||
| 2023 | $6,952.00 (+3.21%) Homeowner's exemption | $333,075 (+3%) | $441,447 (+13.11%) Land $120,000 Building $321,447 |
| 2022 | $6,736.00 Homeowner's exemption | $323,374 | $390,295 Land $95,200 Building $295,095 |
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 64% of the US · above 40% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
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-NORTHEAST UTILITIES WS serves 14,790 people · EPA ID FL2554475 |
|---|---|
| Water Source | Purchased groundwater from JEA MAJOR GRID |
| Last State Inspection | Mar 2024 |
| Also Mapped Here | SJCU-CR214 MAINLAND WTP |
| Lead | 1 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 165 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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