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4405 Windy Ln, Hilliard, FL 32046 Property Records

Nassau County property record for 4405 Windy Ln, Hilliard, FL 32046

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,288 sqft · built 1998
Lot Size8.01 acres (348,916 sqft)
OwnerIndividual Name on Record
Last Sale$420,000 (Jan 2022)
Tax Bill$4,970 (2025)
Deeds & MortgagesJan 2022 Sale & Mortgage
Jul 2020 Transfer
Flood ZoneZone X (minimal risk)
APN23-2N-23-0000-0012-0010

Property Details

APN / Parcel Number

Primary APN23-2N-23-0000-0012-0010

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,288 sqft Heated Area
Gross Area1,850 sqft
1st Floor Area1,288 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1998
Exterior MaterialBrick Veneer
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area348,916 sqft (8.01 acres)
Garage Area482 sqft

Exterior Amenities

PorchOpen Porch
Porch Area80 sqft
Stable1,408 sqft
Pole Barn320 sqft
Total Buildings2 Buildings

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address4405 WINDY LN
CityHILLIARD
StateFL
Zip32046-5537
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeOR
Legal DescriptionPT SEC 23-2N-23E IN OR 2529/971 ESMT OR 1808/1884
Legal Range23E
Legal Township02N
Legal Section23
JurisdictionNASSAU FL
Township / Civil DivisionCALLAHAN-HILLIARD
Census Block Group1
Census Block1007
Census Tract50508

Owner

Source: Nassau County records, as of January 26, 2026

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

Owner of RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address4405 WINDY LN, HILLIARD, FL 32046-5537
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 13, 2022Warranty Deed, Transfer · VA Mortgage
PENNYMAC LOAN SERVICES LLC
Jul 14, 2020Quit Claim Deed, Transfer
NOT AVAILABLE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 13, 2022 · Amount on Record
Deed SaleJan 13, 2022 · Amount on Record
Prior SaleJul 14, 2020
Deed Document Number202245001312
Deed Book / Page2529 / 971
Record UpdatedJun 8, 2026

January 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionNASSAU FL
Recording DateJan 13, 2022
Property Address4405 WINDY LN, HILLIARD, FL 32046-5537
Document Number0025290971
Book / Page2529 / 971
Map ReferenceMB 756 PG 58
Instrument DateDec 23, 2021
Instrument202245001312
Transaction TypeTransfer
Record UpdatedFeb 14, 2023
Title CompanyADVANTAGEONE TITLE, ADVANTAGE TITLE

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,940.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 1935, CALLAHAN, FL 32011-1935

Transferred To (Grantee/Buyer)

NameVerified Name
Address4405 WINDY LN, HILLIARD, FL 32046-5537

Mortgage

Document Number0002529973
DateJan 13, 2022
Instrument2529/973
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueJan 1, 2052

July 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionNASSAU FL
Recording DateJul 14, 2020
Property Address4405 WINDY LN, HILLIARD, FL 32046-5537
Document Number0023751411
Book / Page002375 / 001411
Instrument DateJul 12, 2020
Instrument45021376
Transaction TypeTransfer
Record UpdatedAug 26, 2020
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4415 WINDY LN HILLIARD FL 320465537, HILLIARD, FL 32046-5537

Tax Assessment & Valuation

Source: Nassau County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyNassau County
Unified School DistrictNassau County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,970.00 (+1.35%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$369,107 (+2.9%)$382,711 (-1.27%) Land $156,195 Building $226,516
2024$4,904.00 (+9.27%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$358,705 (+1%)$387,636 (+12.64%) Land $184,230 Building $203,406
2023$4,488.00 (+10.19%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$326,108 (+3%)$344,126 (+8.69%) Land $184,230 Building $159,896
2022$4,073.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$316,610 Land $184,230 Building $132,380$316,610 Land $184,230 Building $132,380

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 January 21, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 27 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies27 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 RiskHigh
above 70% of the US · above 51% of Florida
Wildfire Likelihood0.4% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 39 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Verizon
Fixed Wireless		300 / 20
Starlink
Satellite		280 / 30
Windstream
DSL		200 / 20

May also be available: AT&T.

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