451 Windermere Way, Saint Augustine, FL 32095 Property Records

St. Johns County property record for 451 Windermere Way, Saint Augustine, FL 32095

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,049 sqft · built 2020
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on File
Last Sale	$317,835 (Oct 2020)
Tax Bill	$6,914 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`023723-1900`

Property Details

APN / Parcel Number

Primary APN	`023723-1900`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Stories	2 Stories
Building Area	2,049 sqft Living Area
Gross Area	2,498 sqft
1st Floor Area	1,128 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Attached
Garage Area	449 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	451 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 190 OR5060/774
Legal Range	28E
Legal Township	05S
Legal Section	15
Legal Subdivision	BEACON LAKE PHASE 2C
Legal Phase	2C
Legal Block	1
Legal Lot Number	190
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2031
Census Tract	20904

Owner

451 Windermere Way is owned and occupied by two individuals who bought it in October 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	451 WINDERMERE WAY, SAINT AUGUSTINE, FL 32095-7565
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

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	202086331
Deed Book / Page	5060 / 774
Record Updated	Jun 8, 2026

October 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Oct 2, 2020
Property Address	451 WINDERMERE WAY, SAINT AUGUSTINE, FL 32095-7565
Document Number	0050600774
Book / Page	5060 / 774
Map Reference	MB 100 PG 21-40
Instrument Date	Sep 30, 2020
Instrument	2020086331
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 28, 2022
Title Company	GOLDEN DOG TITLE & TRUST

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,225.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14701 PHILIPS HWY STE 300, 14701, JACKSONVILLE, FL 32256-3742

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	451 WINDERMERE WAY, ST AUGUSTINE, FL 32095-7565

Mortgage

Document Number	0005060776
Date	Oct 2, 2020
Instrument	5060/776

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 451 Windermere Way was $6,914 with a homeowner's exemption, up 7.9% from the year before.

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		$323,616 (+2.7%)	$430,293 (-0.74%) Land $120,000 Building $310,293
2025	$6,914.00 (+7.91%) Homeowner's exemption	$315,108 (+2.9%)	$433,497 (+1.57%) Land $120,000 Building $313,497
2024	$6,407.00 (+3.32%) Homeowner's exemption	$306,227 (+3%)	$426,776 (+7.27%) Land $120,000 Building $306,776
2023	$6,201.00 (+3.26%) Homeowner's exemption	$297,308 (+3%)	$397,864 (+13.58%) Land $120,000 Building $277,864
2022	$6,005.00 Homeowner's exemption	$288,649	$350,284 Land $95,200 Building $255,084

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

Flood

FEMA maps place 451 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

Wildfire risk around 451 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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