2440 Winchester Ln, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 2440 Winchester Ln, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,428 sqft · built 2004
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$480,000 (Dec 2021)
Tax Bill	$5,504 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`009972-3230`

Property Details

APN / Parcel Number

Primary APN	`009972-3230`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	14 Plumbing Fixtures
Stories	2 Stories
Building Area	2,428 sqft Living Area
Gross Area	3,084 sqft
1st Floor Area	1,174 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

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	7,405 sqft (0.17 acres)
Garage Type	Attached
Garage Area	464 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	420 sqft
Porch	Finished Screened Porch
Porch Area	216 sqft
Deck Area	Deck Area
Patio Area	670 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2440 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 323 OR5447/72
Legal Range	27E
Legal Township	05S
Legal Section	25
Legal Subdivision	SOUTH HAMPTON UNIT 3
Legal Block	4
Legal Lot Number	323
Legal Unit	3
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	4
Census Block	4000
Census Tract	20907

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2440 WINCHESTER LN, SAINT AUGUSTINE, FL 32092-1086
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 16, 2021 · Amount on Record
Deed Sale	Dec 16, 2021 · Amount on Record
Prior Sale	Sep 1, 2004 · Amount on Record
Deed Document Number	2021136268
Deed Book / Page	5447 / 72
Record Updated	Oct 29, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Dec 16, 2021
Property Address	2440 WINCHESTER LN, SAINT AUGUSTINE, FL 32092-1086
Document Number	0054470072
Book / Page	5447 / 72
Map Reference	MB 44 PG 7-24
Instrument Date	Dec 9, 2021
Instrument	2021136268
Transaction Type	Transfer
Record Updated	May 23, 2023
Title Company	LANDMARK TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,360.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6291 MAGNOLIA SPRINGS LN, JACKSONVILLE, FL 32258-5116

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2440 WINCHESTER LN, ST AUGUSTINE, FL 32092-1086

Mortgage

Document Number	0000544774
Date	Dec 16, 2021
Instrument	5447/74

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

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		$434,017 (+2.7%)	$456,778 (-3.15%) Land $110,000 Building $346,778
2025	$5,504.00 (+12.12%) Homeowner's exemption	$422,607 (+2.9%)	$471,627 (-2.6%) Land $110,000 Building $361,627
2024	$4,909.00 (+1.95%) Homeowner's exemption	$410,697 (+3%)	$484,203 (+3.58%) Land $110,000 Building $374,203
2023	$4,815.00 (-12.39%) Homeowner's exemption	$398,735 (-3%)	$467,458 (+13.72%) Land $120,000 Building $347,458
2022	$5,496.00	$411,069	$411,069 Land $100,800 Building $310,269

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

Flood

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.

Wildfire

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.

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 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