1531 W Windy Willow Dr, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 1531 W Windy Willow Dr, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,387 sqft · built 2006
Lot Size	0.21 acres (9,147 sqft)
Owner	Trust Name on File
Last Sale	$204,000 (Dec 2010)
Tax Bill	$5,433 (2025)
Deeds & Mortgages	Oct 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`009981-3450`

Property Details

APN / Parcel Number

Primary APN	`009981-3450`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	14 Plumbing Fixtures
Stories	1 Story
Building Area	2,387 sqft Living Area
Gross Area	2,992 sqft
1st Floor Area	2,387 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,147 sqft (0.21 acres)
Garage Type	Attached
Garage Area	425 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	285 sqft
Patio Area	322 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1531 W WINDY WILLOW DR
City	SAINT AUGUSTINE
State	FL
Zip	32092-5094
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	48/76-95 JOHNS CREEK LOT 345 OR3392/1902 & 3886/131
Legal Range	28E
Legal Township	05S
Legal Section	19
Legal Subdivision	JOHNS CREEK
Legal Block	1
Legal Lot Number	345
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1020
Census Tract	20907

Owner

1531 W Windy Willow Dr is owner-occupied and held in a trust since May 2014.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Trust Name on File
Mailing Address	1531 W WINDY WILLOW DR, SAINT AUGUSTINE, FL 32092-5094
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 30, 2010 · Amount on File
Deed Sale	Dec 30, 2010 · Amount on File
Prior Sale	Apr 12, 2006 · Amount on File
Deed Document Number	201064570
Deed Book / Page	3392 / 1902
Last Transfer Date	May 27, 2014
Transfer Doc	0038860131
Record Updated	Oct 29, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	1531 W WINDY WILLOW DR, SAINT AUGUSTINE, FL 32092-5094
Document Number	0046261562
Instrument Date	Oct 9, 2018
Transaction Type	Mortgage
Record Updated	Oct 29, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	500 W 1ST ST JACKSONVILLE FL 322023939, JACKSONVILLE, FL 32202-3939

Mortgage

Document Number	0046261562
Date	Oct 15, 2018
Book Page	004626/001562
Instrument	74516

Lender

Name	FIRST FLORIDA CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Oct 14, 2038

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1531 W Windy Willow Dr was $5,433 with a homeowner's exemption, up 9.3% 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		$235,268 (+2.7%)	$401,526 (-1.25%) Land $100,000 Building $301,526
2025	$5,433.00 (+9.34%) Homeowner's exemption	$229,083	$406,615 Land $100,000 Building $306,615
2024	$4,969.00 (+1.08%)
2023	$4,916.00 (+1.63%) Homeowner's exemption	$216,143 (+3%)	$407,303 (+13.18%) Land $95,000 Building $312,303
2022	$4,837.00 Homeowner's exemption	$209,848	$359,880 Land $84,000 Building $275,880

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1531 W Windy Willow Dr 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 81 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	81 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 1531 W Windy Willow Dr is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.03% 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	JEA MAJOR GRID serves 826,664 people · EPA ID FL2161328
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 370 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
AT&T Fiber	1,000 / 1,000