St. Johns County property record for 2428 Winchester Ln, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,060 sqft · built 2004 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $266,000 (Jul 2018) |
| Tax Bill | $3,276 (2025) |
| Deeds & Mortgages | Aug 2021 Second Mortgage Aug 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 009972-3200 |
| Primary APN | 009972-3200 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,060 sqft Living Area |
| Gross Area | 2,500 sqft |
| 1st Floor Area | 2,060 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,583 sqft (0.22 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 310 sqft |
| Patio Area | 375 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2428 WINCHESTER LN |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-1086 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 44/7-24 SOUTH HAMPTON UNIT 3 LOT 320 OR4574/79 |
| Legal Range | 27E |
| Legal Township | 05S |
| Legal Section | 25 |
| Legal Subdivision | SOUTH HAMPTON UNIT 3 |
| Legal Block | 4 |
| Legal Lot Number | 320 |
| Legal Unit | 3 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 20907 |
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 | 2428 WINCHESTER LN, SAINT AUGUSTINE, FL 32092-1086 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 12, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC |
| Aug 5, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SPRING EQ LLC |
| Jul 3, 2018 | Warranty Deed, Transfer · VA Mortgage USAA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 3, 2018 · Amount on Record |
| Deed Sale | Jul 3, 2018 · Amount on Record |
| Prior Sale | Jun 25, 2004 · Amount on Record |
| Deed Document Number | 201847261 |
| Deed Book / Page | 4574 / 79 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 2428 WINCHESTER LN, SAINT AUGUSTINE, FL 32092-1086 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Name | Verified Name |
|---|---|
| Address | 2428 WINCHESTER LN, SAINT AUGUSTINE, FL 32092-1086 |
| Investor | Possibly a Property Investor |
| Document Number | 0053411371 |
|---|---|
| Date | Aug 12, 2021 |
| Book Page | 5341/1371 |
| Instrument | 2021089129 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | PHILADELPHIA, PA 19104 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Aug 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 2428 WINCHESTER LN, SAINT AUGUSTINE, FL 32092-1086 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 2428 WINCHESTER LN, SAINT AUGUSTINE, FL 32092-1086 |
| Investor | Possibly a Property Investor |
| Document Number | 0053351678 |
|---|---|
| Date | Aug 5, 2021 |
| Book Page | 5335/1678 |
| Instrument | 2021086396 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | PHILADELPHIA, PA 19104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jul 3, 2018 |
| Property Address | 2428 WINCHESTER LN, SAINT AUGUSTINE, FL 32092-1086 |
| Document Number | 0045740079 |
| Book / Page | 004574 / 000079 |
| Instrument Date | Jul 2, 2018 |
| Instrument | 47261 |
| Transaction Type | Transfer |
| Record Updated | Jul 24, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,862.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2428 WINCHESTER LN ST AUGUSTINE FL 320921086, ST AUGUSTINE, FL 32092-1086 |
| Document Number | 45740081 |
|---|---|
| Date | Jul 3, 2018 |
| Book Page | 004574/000081 |
| Instrument | 47262 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 2, 2048 |
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 | $264,178 (+2.7%) | $385,812 (-1.38%) Land $110,000 Building $275,812 | |
| 2025 | $3,276.00 (+13.2%) Homeowner's exemption | $257,233 (+2.9%) | $391,222 (-2.29%) Land $110,000 Building $281,222 |
| 2024 | $2,894.00 (+2.08%) Homeowner's exemption | $249,983 (+3%) | $400,376 (+0.42%) Land $110,000 Building $290,376 |
| 2023 | $2,835.00 (+3.17%) Homeowner's exemption | $242,702 (+3%) | $398,692 (+9.22%) Land $120,000 Building $278,692 |
| 2022 | $2,748.00 Homeowner's exemption | $235,633 | $365,026 Land $100,800 Building $264,226 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 40 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 40 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 53% of the US · lower than 75% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% 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 91 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable · Fiber in parts of the area | 2,000 / 250 |
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