1545 W Windy Willow Dr, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 1545 W Windy Willow Dr, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,384 sqft · built 2005
Lot Size	0.26 acres (11,325 sqft)
Owner	2 Individual Names on File
Last Sale	$338,500 (Nov 2020)
Tax Bill	$5,150 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`009981-3480`

Property Details

APN / Parcel Number

Primary APN	`009981-3480`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	14 Plumbing Fixtures
Stories	1 Story
Building Area	2,384 sqft Living Area
Gross Area	2,958 sqft
1st Floor Area	2,384 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,325 sqft (0.26 acres)
Garage Type	Attached
Garage Area	412 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	343 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1545 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 348 OR5111/119
Legal Range	28E
Legal Township	05S
Legal Section	19
Legal Subdivision	JOHNS CREEK
Legal Block	1
Legal Lot Number	348
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1020
Census Tract	20907

Owner

1545 W Windy Willow Dr is owned and occupied by two individuals who bought it in November 2020.

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	2 Individual Names on File
Mailing Address	1545 W WINDY WILLOW DR, SAINT AUGUSTINE, FL 32092-5094
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 30, 2020 · Amount on File
Deed Sale	Nov 30, 2020 · Amount on File
Prior Sale	Apr 4, 2007 · Amount on File
Deed Document Number	2020108292
Deed Book / Page	5111 / 119
Record Updated	Oct 29, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Nov 30, 2020
Property Address	1545 W WINDY WILLOW DR, SAINT AUGUSTINE, FL 32092-5094
Document Number	0051110119
Book / Page	5111 / 119
Map Reference	MB 48 PG 76-95
Instrument Date	Nov 20, 2020
Instrument	2020108292
Transaction Type	Transfer
Record Updated	Aug 31, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,369.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	158 PRAIRIE RIDGE DR, 158, SAINT AUGUSTINE, FL 32092-1852

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1545 W WINDY WILLOW DR, SAINT AUGUSTINE, FL 32092-5094

Mortgage

Document Number	5111121
Date	Nov 30, 2020
Instrument	5111/121

Lender

Name	NP INC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1545 W Windy Willow Dr was $5,150 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		$213,692 (+2.7%)	$389,777 (-2.27%) Land $100,000 Building $289,777
2025	$5,150.00 (+9.27%) Homeowner's exemption	$208,074 (+2.9%)	$398,828 (-3.68%) Land $100,000 Building $298,828
2024	$4,713.00 (+1.03%) Homeowner's exemption	$202,210 (+3%)	$414,052 (+3.7%) Land $100,000 Building $314,052
2023	$4,665.00 (+1.61%) Homeowner's exemption	$196,320 (+3%)	$399,296 (+12.3%) Land $95,000 Building $304,296
2022	$4,591.00 Homeowner's exemption	$190,602	$355,566 Land $84,000 Building $271,566

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

Flood

FEMA maps place 1545 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 1545 W Windy Willow Dr is low, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood	0.06% 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	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