St. Johns County property record for 1564 W Windy Willow Dr, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,886 sqft · built 2005 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $400,000 (Apr 2026) |
| Tax Bill | $5,895 (2025) |
| Deeds & Mortgages | Apr 2026 Sale Feb 2022 Second Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 009981-3700 |
| Primary APN | 009981-3700 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,886 sqft Living Area |
| Gross Area | 2,422 sqft |
| 1st Floor Area | 1,886 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.17 acres) |
| Garage Type | Attached |
| Garage Area | 536 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 170 sqft |
| Patio Area | 165 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1564 W WINDY WILLOW DR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-5098 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 48/76-95 JOHNS CREEK LOT 370 OR5055/1786 |
| Legal Range | 28E |
| Legal Township | 05S |
| Legal Section | 19 |
| Legal Subdivision | JOHNS CREEK |
| Legal Block | 1 |
| Legal Lot Number | 370 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 20907 |
1564 W Windy Willow Dr is owned and occupied by two individuals who bought it in April 2026.
Source: St. Johns County records, as of July 6, 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 | 1564 W WINDY WILLOW DR, SAINT AUGUSTINE, FL 32092-5098 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Apr 30, 2026 | Warranty Deed, Transfer COWFORD TITLE LLC, COWFORD TITLE |
| Feb 17, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage MAYO EMPLOYEES FCU |
| Sep 30, 2020 | Warranty Deed, Transfer · Conventional Mortgage FLORIDA CAPITAL BANK NA |
| Feb 23, 2017 | Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CU |
| Feb 23, 2017 | Deed of Trust, Mortgage · Line of Credit VYSTAR CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 30, 2026 · Amount on File |
| Deed Sale | Apr 30, 2026 · Amount on File |
| Prior Sale | Sep 30, 2020 · Amount on File |
| Deed Document Number | 202637191 |
| Deed Book / Page | 6354 / 1587 |
| Prior Transfer Date | Jun 12, 2007 |
| Prior Transfer Doc | 0029321392 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Apr 30, 2026 |
| Property Address | 1564 W WINDY WILLOW DR, SAINT AUGUSTINE, FL 32092-5098 |
| Document Number | 0063541587 |
| Book / Page | 6354 / 1587 |
| Instrument Date | Apr 29, 2026 |
| Instrument | 202637191 |
| Transaction Type | Transfer |
| Record Updated | Jul 6, 2026 |
| Title Company | COWFORD TITLE LLC, COWFORD TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $282,800.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1564 W WINDY WILLOW DR, SAINT AUGUSTINE, FL 32092-5098 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 1564 W WINDY WILLOW DR, SAINT AUGUSTINE, FL 32092-5098 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1564 W WINDY WILLOW DR, SAINT AUGUSTINE, FL 32092-5098 |
| Document Number | 0054950651 |
|---|---|
| Date | Feb 17, 2022 |
| Book Page | 5495/651 |
| Instrument | 2022017665 |
| Name | MAYO EMPLOYEES FCU |
|---|---|
| Type | Credit Union |
| Address | ROCHESTER, MN 55902 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Feb 28, 2037 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Sep 30, 2020 |
| Property Address | 1564 W WINDY WILLOW DR, SAINT AUGUSTINE, FL 32092-5098 |
| Document Number | 0050551786 |
| Book / Page | 5055 / 1786 |
| Map Reference | MB 48 PG 76-95 |
| Instrument Date | Sep 24, 2020 |
| Instrument | 2020084445 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,995.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 285 APPALOOSA AVE, 285, ST AUGUSTINE, FL 32095-7426 |
| Name | Verified Name |
|---|---|
| Address | 1564 W WINDY WILLOW DR, ST AUGUSTINE, FL 32092-5098 |
| Document Number | 50551788 |
|---|---|
| Date | Sep 30, 2020 |
| Instrument | 5055/1788 |
| Name | FLORIDA CAPITAL BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 1564 W WINDY WILLOW DR, SAINT AUGUSTINE, FL 32092-5098 |
| Document Number | 0043380539 |
| Book / Page | 004338 / 000539 |
| Instrument Date | Feb 23, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1564 W WINDY WILLOW DR ST AUGUSTINE FL 320925098, ST AUGUSTINE, FL 32092-5098 |
| Document Number | 0043380539 |
|---|---|
| Date | Mar 1, 2017 |
| Book Page | 004338/000539 |
| Instrument | 14734 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32232-5085 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 28, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 1564 W WINDY WILLOW DR, SAINT AUGUSTINE, FL 32092-5098 |
| Document Number | 0043380710 |
| Book / Page | 004338 / 000710 |
| Instrument Date | Feb 23, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1564 W WINDY WILLOW DR ST AUGUSTINE FL 320925098, ST AUGUSTINE, FL 32092-5098 |
| Document Number | 0043380710 |
|---|---|
| Date | Mar 1, 2017 |
| Book Page | 004338/000710 |
| Instrument | 14787 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32232-5085 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Feb 28, 2027 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 1564 W Windy Willow Dr was $5,895 with a homeowner's exemption, up 9.4% from the year before.
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 | $270,498 (+2.7%) | $340,539 (+%) Land $100,000 Building $240,539 | |
| 2025 | $5,895.00 (+9.43%) Homeowner's exemption | $263,387 (+2.9%) | $340,527 (-3.34%) Land $100,000 Building $240,527 |
| 2024 | $5,387.00 (+1.13%) Homeowner's exemption | $255,964 (+3%) | $352,295 (+3.78%) Land $100,000 Building $252,295 |
| 2023 | $5,327.00 (+1.68%) Homeowner's exemption | $248,509 (+3%) | $339,476 (+9.53%) Land $95,000 Building $244,476 |
| 2022 | $5,239.00 Homeowner's exemption | $241,271 | $309,941 Land $84,000 Building $225,941 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1564 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 risk around 1564 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.
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 |
| 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.
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 |
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