St. Johns County property record for 2449 Winchester Ln, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,360 sqft · built 2003 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $285,000 (Aug 2017) |
| Tax Bill | $2,832 (2025) |
| Deeds & Mortgages | Mar 2021 Line of Credit Aug 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 009972-3450 |
| Primary APN | 009972-3450 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,360 sqft Living Area |
| Gross Area | 2,906 sqft |
| 1st Floor Area | 1,751 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| 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 | 466 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 115 sqft |
| Patio Area | 475 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2449 WINCHESTER LN |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-1088 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 44/7-24 SOUTH HAMPTON UNIT 3 LOT 345 OR4420/746 |
| Legal Range | 27E |
| Legal Township | 05S |
| Legal Section | 25 |
| Legal Subdivision | SOUTH HAMPTON UNIT 3 |
| Legal Block | 4 |
| Legal Lot Number | 345 |
| Legal Unit | 3 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 20907 |
2449 Winchester Ln is owned and occupied by two individuals who bought it in August 2017.
Source: St. Johns County records, as of April 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2449 WINCHESTER LN, SAINT AUGUSTINE, FL 32092-1088 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 24, 2021 | Deed of Trust, Mortgage · Line of Credit TIAA FSB HOLDINGS INC |
| Aug 14, 2017 | Warranty Deed, Transfer · Conventional Mortgage TIAA FSB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 14, 2017 · Amount on File |
| Deed Sale | Aug 14, 2017 · Amount on File |
| Prior Sale | May 1, 2016 · Amount on File |
| Deed Document Number | 201756003 |
| Deed Book / Page | 4420 / 746 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 2449 WINCHESTER LN, SAINT AUGUSTINE, FL 32092-1088 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Name | Verified Name |
|---|---|
| Address | 2449 WINCHESTER LN, SAINT AUGUSTINE, FL 32092-1088 |
| Document Number | 0052160175 |
|---|---|
| Date | Mar 24, 2021 |
| Book Page | 5216/175 |
| Instrument | 2021032249 |
| Name | TIAA FSB HOLDINGS INC |
|---|---|
| Type | Bank |
| Address | JACKSONVILLE, FL 32202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 351 Months |
| Due | Jun 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Aug 14, 2017 |
| Property Address | 2449 WINCHESTER LN, SAINT AUGUSTINE, FL 32092-1088 |
| Document Number | 0044200746 |
| Book / Page | 004420 / 000746 |
| Instrument Date | Aug 4, 2017 |
| Instrument | 56003 |
| Transaction Type | Transfer |
| Record Updated | Sep 19, 2017 |
| Title Company | LANDMARK TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,995.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2449 WINCHESTER LN ST AUGUSTINE FL 320921088, ST AUGUSTINE, FL 32092-1088 |
| Document Number | 44200748 |
|---|---|
| Date | Aug 14, 2017 |
| Book Page | 004420/000748 |
| Instrument | 56004 |
| Name | TIAA FSB |
|---|---|
| Address | JACKSONVILLE, FL 32202 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 13, 2047 |
The 2025 property tax bill for 2449 Winchester Ln was $2,832 with a homeowner's exemption, up 13.6% 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 | $230,332 (+2.7%) | $410,750 (-2.52%) Land $110,000 Building $300,750 | |
| 2025 | $2,832.00 (+13.64%) Homeowner's exemption | $224,277 (+2.9%) | $421,383 (-1.6%) Land $110,000 Building $311,383 |
| 2024 | $2,492.00 (+2.13%) Homeowner's exemption | $217,956 (+3%) | $428,239 (-0.2%) Land $110,000 Building $318,239 |
| 2023 | $2,440.00 (+3.3%) Homeowner's exemption | $211,608 (+3%) | $429,081 (+7.9%) Land $120,000 Building $309,081 |
| 2022 | $2,362.00 Homeowner's exemption | $205,445 | $397,653 Land $100,800 Building $296,853 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2449 Winchester Ln 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 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 risk around 2449 Winchester Ln is moderate, ranking above 53% of the US, with a 0.1% annual chance of 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.
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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