1597 E Windy Willow Dr, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 1597 E Windy Willow Dr, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,419 sqft · built 2005
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on File
Last Sale	$286,500 (Jun 2017)
Tax Bill	$2,870 (2025)
Deeds & Mortgages	Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`009981-3640`

Property Details

APN / Parcel Number

Primary APN	`009981-3640`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	14 Plumbing Fixtures
Stories	1 Story
Building Area	2,419 sqft Living Area
Gross Area	3,021 sqft
1st Floor Area	2,419 sqft
Flooring	Wood
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	12,632 sqft (0.29 acres)
Garage Type	Attached
Garage Area	602 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	645 sqft
Patio Area	232 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1597 E WINDY WILLOW DR
City	SAINT AUGUSTINE
State	FL
Zip	32092-3031
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	48/76-95 JOHNS CREEK LOT 364 OR4388/151
Legal Range	28E
Legal Township	05S
Legal Section	19
Legal Subdivision	JOHNS CREEK
Legal Block	1
Legal Lot Number	364
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	1
Census Block	1019
Census Tract	20907

Owner

1597 E Windy Willow Dr is owned and occupied by two individuals who bought it in June 2017.

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	1597 E WINDY WILLOW DR, SAINT AUGUSTINE, FL 32092-3031
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 13, 2017 · Amount on File
Deed Sale	Jun 13, 2017 · Amount on File
Prior Sale	Jun 6, 2016 · Amount on File
Deed Document Number	201740601
Deed Book / Page	4388 / 151
Record Updated	Oct 29, 2026

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jun 13, 2017
Property Address	1597 E WINDY WILLOW DR, SAINT AUGUSTINE, FL 32092-3031
Document Number	0043880151
Book / Page	004388 / 000151
Instrument Date	Jun 5, 2017
Instrument	40601
Transaction Type	Transfer
Record Updated	Jun 27, 2017
Title Company	OSBORNE AND SHEFFIELD TITLE SERVICES, OSBORNE & SHEFFIELD TITLE SVCS

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,005.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1597 E WINDY WILLOW DR ST AUGUSTINE FL 320923031, ST AUGUSTINE, FL 32092-3031

Mortgage

Document Number	43880156
Date	Jun 13, 2017
Book Page	004388/000156
Instrument	40604

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 12, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1597 E Windy Willow Dr was $2,870 with a veteran's exemption, up 7.4% 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		$297,791 (+2.7%)	$404,059 (-3.61%) Land $100,000 Building $304,059
2025	$2,870.00 (+7.41%) Disabled Person's exemption Veteran's exemption	$289,962 (+2.9%)	$419,172 (-3.85%) Land $100,000 Building $319,172
2024	$2,672.00 Disabled Person's exemption Veteran's exemption	$281,790 (+3%)	$435,965 (+3.66%) Land $100,000 Building $335,965
2023	$2,672.00 (+0.68%) Disabled Person's exemption Veteran's exemption	$273,583 (+3%)	$420,555 (+12.28%) Land $95,000 Building $325,555
2022	$2,654.00 Disabled Person's exemption Veteran's exemption	$265,615	$374,570 Land $84,000 Building $290,570

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

Flood

FEMA maps place 1597 E 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 1597 E 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