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305 Winding Oak Way, Saint Augustine, FL 32084 Property Records

St. Johns County property record for 305 Winding Oak Way, Saint Augustine, FL 32084

Property Summary

Property TypeSingle Family Home
Details4 bd · 3.5 ba · 2,594 sqft · built 2015
Lot Size0.2 acres (8,712 sqft)
Owner2 Individual Names on File
Last Sale$430,000 (Apr 2024)
Tax Bill$5,503 (2025)
Deeds & MortgagesSep 2025 Mortgage
Apr 2024 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN086222-0060

Property Details

APN / Parcel Number

Primary APN086222-0060

Interior

Bedrooms4 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures14 Plumbing Fixtures
Stories2 Stories
Building Area2,594 sqft Living Area
Gross Area3,028 sqft
1st Floor Area1,433 sqft
FlooringConcrete/Cement
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2015
Effective Year BuiltEffective 2015
Exterior MaterialConcrete
Construction TypeWood
Foundation TypeConcrete
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area8,712 sqft (0.2 acres)
Garage TypeAttached
Garage Area434 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Open Porch
Porch Area450 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address305 WINDING OAK WAY
CitySAINT AUGUSTINE
StateFL
Zip32084-6563
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePUD
Legal Description61/1-8 BIG OAKS LOT 6 OR5932/220
Legal Range29E
Legal Township07S
Legal Section03
Legal SubdivisionBIG OAKS
Legal Block1
Legal Lot Number6
JurisdictionST JOHNS FL
Township / Civil DivisionST. AUGUSTINE
Census Block Group1
Census Block1041
Census Tract20904

Owner

Source: St. Johns County records, as of October 19, 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 Record2 Individual Names on File
Mailing Address305 WINDING OAK WAY, SAINT AUGUSTINE, FL 32084-6563
OccupancyOwner Occupied
Owner TypeIndividual
VestingHis Wife

Deeds, Mortgages & Sale History

DateDocument
Sep 24, 2025Deed of Trust, Mortgage · FHA Mortgage
M & T BANK
Apr 15, 2024Warranty Deed, Transfer · FHA Mortgage
FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 15, 2024 · Amount on File
Deed SaleApr 15, 2024 · Amount on File
Prior SaleFeb 2, 2016 · Amount on File
Deed Document Number202428038
Deed Book / Page5932 / 220
Record UpdatedOct 29, 2026

September 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address305 WINDING OAK WAY, SAINT AUGUSTINE, FL 32084-6563
Transaction TypeMortgage
Record UpdatedOct 23, 2025
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address305 WINDING OAK WAY, SAINT AUGUSTINE, FL 32084-6563

Mortgage

Document Number0062241844
DateSep 24, 2025
Book Page6224/1844
Instrument2025077376
Lender
NameM & T BANK
TypeBank
AddressGETZVILLE, NY 14068
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term344 Months
DueMay 1, 2054

April 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateApr 15, 2024
Property Address305 WINDING OAK WAY, SAINT AUGUSTINE, FL 32084-6563
Document Number0059320220
Book / Page5932 / 220
Map ReferenceMB 61 PG 1-8
Instrument DateApr 11, 2024
Instrument2024028038
Transaction TypeTransfer
Record UpdatedOct 23, 2025
Title CompanyACTION TITLE SERVICES/STATE JOHNS COUNTY, ACTION TTL SVCS OF ST JOHNS

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,010.00
Amount AccuracyFull Amount Stated
Additional
  • Notice of Foreclosure Sale
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2234 TYSON LAKE DR, JACKSONVILLE, FL 32221-2877

Transferred To (Grantee/Buyer)

NameVerified Name
Address305 WINDING OAK WAY, ST AUGUSTINE, FL 32084-6563

Mortgage

Document Number0005932222
DateApr 15, 2024
Instrument5932/222
Lender
NameFAIRWAY INDEPENDENT MORTGAGE CORP
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueMay 1, 2054

Tax Assessment & Valuation

Source: St. Johns County assessment roll, as of April 13, 2026

Property Jurisdictions

TypeName
StateFlorida
CountySt. Johns County
Unified School DistrictSt. Johns County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$396,913 (+3.85%) Land $100,000 Building $296,913$396,913 (+3.85%) Land $100,000 Building $296,913
2025$5,503.00 (+2.96%)$382,213 (-8.9%)$382,213 (-8.9%) Land $100,000 Building $282,213
2024$5,345.00 (+4.35%)$419,538 (+1.09%)$419,538 (+1.09%) Land $100,000 Building $319,538
2023$5,122.00 (+7.74%)$414,999 (+7.15%)$414,999 (+7.15%) Land $100,000 Building $314,999
2022$4,754.00$387,291$387,291 Land $71,680 Building $315,611

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 97 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies97 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 RiskLow
lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood0.05% annual chance
ExposureDirect
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 SystemST. AUGUSTINE WS
serves 43,069 people · EPA ID FL2550210
Water SourceGroundwater
Last State InspectionSep 2024
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting5
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 188 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable · Fiber in parts of the area		2,000 / 250
AT&T
DSL · Fiber in parts of the area		100 / 20

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