St. Johns County property record for 441 Windermere Way, Saint Augustine, FL 32095
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,495 sqft · built 2020 |
| Lot Size | 0.16 acres (6,969 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $376,643 (Oct 2020) |
| Tax Bill | $8,235 (2025) |
| Deeds & Mortgages | Sep 2026 Sale Oct 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 023723-1910 |
| Primary APN | 023723-1910 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,495 sqft Living Area |
| Gross Area | 3,055 sqft |
| 1st Floor Area | 1,168 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,969 sqft (0.16 acres) |
| Garage Type | Attached |
| Garage Area | 432 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Patio |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 441 WINDERMERE WAY |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32095-7565 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 100/21-40 BEACON LAKE PHASE 2C LOT 191 OR5061/289 |
| Legal Range | 28E |
| Legal Township | 05S |
| Legal Section | 15 |
| Legal Subdivision | BEACON LAKE PHASE 2C |
| Legal Phase | 2C |
| Legal Block | 1 |
| Legal Lot Number | 191 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2031 |
| Census Tract | 20904 |
441 Windermere Way is owner-occupied and held in a trust since October 2020.
Source: St. Johns County records, as of October 13, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 441 WINDERMERE WAY, SAINT AUGUSTINE, FL 32095-7565 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
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 |
|---|---|
| Sep 29, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Oct 13, 2022 | Deed of Trust, Mortgage · Line of Credit FIRST FLORIDA CU |
| Oct 2, 2020 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FBC MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 2, 2020 · Amount on File |
| Deed Sale | Oct 2, 2020 · Amount on File |
| Deed Document Number | 202086660 |
| Deed Book / Page | 5061 / 289 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Sep 29, 2026 |
| Property Address | 441 WINDERMERE WAY, SAINT AUGUSTINE, FL 32095-7565 |
| Document Number | 0000082432 |
| Book / Page | 6444 / 163 |
| Instrument Date | Sep 25, 2026 |
| Instrument | 202682432 |
| Transaction Type | Transfer |
| Record Updated | Oct 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Tax | $70.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 441 WINDERMERE WAY, SAINT AUGUSTINE, FL 32095-7565 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 441 WINDERMERE WAY, SAINT AUGUSTINE, FL 32095-7565 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Name | Verified Name |
|---|---|
| Address | 441 WINDERMERE WAY, SAINT AUGUSTINE, FL 32095-7565 |
| Document Number | 0056481235 |
|---|---|
| Date | Oct 13, 2022 |
| Book Page | 5648/1235 |
| Instrument | 2022096086 |
| Name | FIRST FLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 238 Months |
| Due | Aug 29, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Oct 2, 2020 |
| Property Address | 441 WINDERMERE WAY, SAINT AUGUSTINE, FL 32095-7565 |
| Document Number | 0050610289 |
| Book / Page | 5061 / 289 |
| Map Reference | MB 100 PG 21-40 |
| Instrument Date | Oct 1, 2020 |
| Instrument | 2020086660 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 28, 2022 |
| Title Company | GOLDEN DOG TITLE & TRUST |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,636.90 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14701 PHILIPS HWY STE 300, 14701, JACKSONVILLE, FL 32256-3742 |
| Name | Verified Name |
|---|---|
| Address | 441 WINDERMERE WAY, SAINT AUGUSTINE, FL 32095-7565 |
| Document Number | 0005061291 |
|---|---|
| Date | Oct 2, 2020 |
| Instrument | 5061/291 |
| Name | FBC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2050 |
The 2025 property tax bill for 441 Windermere Way was $8,235, up 8.3% 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 | $431,901 (+4.54%) | $531,601 (-1.66%) Land $120,000 Building $411,601 | |
| 2025 | $8,235.00 (+8.33%) Homeowner's exemption | $413,141 | $540,584 Land $120,000 Building $420,584 |
| 2024 | $7,602.00 (+13.5%) | ||
| 2023 | $6,698.00 (+3.17%) Homeowner's exemption | $336,505 (+3%) | $445,671 (+13.06%) Land $120,000 Building $325,671 |
| 2022 | $6,492.00 Homeowner's exemption | $326,704 | $394,173 Land $95,200 Building $298,973 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 441 Windermere Way in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 206 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 206 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 441 Windermere Way is moderate, ranking above 65% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 65% of the US · above 43% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% 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 | SJCU-NORTHEAST UTILITIES WS serves 14,790 people · EPA ID FL2554475 |
|---|---|
| Water Source | Purchased groundwater from JEA MAJOR GRID |
| Last State Inspection | Mar 2024 |
| Also Mapped Here | SJCU-CR214 MAINLAND WTP |
| Lead | 1 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 165 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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