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996 Windward Way, Saint Augustine, FL 32080 Property Records

St. Johns County property record for 996 Windward Way, Saint Augustine, FL 32080

Property Summary

Property TypeSingle Family Home
Details5 bd · 3 ba · 2,051 sqft · built 2003
Lot Size0.14 acres (6,098 sqft)
Owner2 Individual Names on Record
Last Sale$275,000 (Jul 2018)
Tax Bill$3,578 (2025)
Deeds & MortgagesDec 2020 Mortgage
Jul 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN162931-1440

Property Details

APN / Parcel Number

Primary APN162931-1440

Interior

Bedrooms5 Beds
Full Baths3 Baths
Plumbing Fixtures9 Plumbing Fixtures
Stories1 Story
Building Area2,051 sqft Living Area
Gross Area2,708 sqft
1st Floor Area1,580 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2003
Effective Year BuiltEffective 2006
Exterior MaterialConcrete
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area6,098 sqft (0.14 acres)
Garage TypeAttached
Garage Area441 sqft
Parking Spaces2 Parking Spaces
PorchFinished Screened Porch
Porch Area241 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address996 WINDWARD WAY
CitySAINT AUGUSTINE
StateFL
Zip32080-6182
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePUD
Legal Description41/43-46 COMMODORES CLUB PHASE 3B BLOCK 1 LOT 44 OR4578/1696
Legal Range30E
Legal Township07S
Legal Section33
Legal SubdivisionCOMMODORES CLUB PHASE 3B
Legal Phase3B
Legal Block1
Legal Lot Number44
JurisdictionST JOHNS FL
Township / Civil DivisionST. AUGUSTINE
Census Block Group3
Census Block3014
Census Tract21408

Owner

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

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

Owner of Record2 Individual Names on Record
Mailing Address996 WINDWARD WAY, SAINT AUGUSTINE, FL 32080-6182
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 29, 2020Deed of Trust, Mortgage · Conventional Mortgage
HOMESTAR FINANCIAL CORP
Jul 12, 2018Warranty Deed, Transfer · FHA Mortgage
UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 12, 2018 · Amount on Record
Deed SaleJul 12, 2018 · Amount on Record
Prior SaleMay 18, 2006 · Amount on Record
Deed Document Number201849493
Deed Book / Page4578 / 1696
Record UpdatedOct 29, 2026

December 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address996 WINDWARD WAY, SAINT AUGUSTINE, FL 32080-6182
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address996 WINDWARD WAY, ST AUGUSTINE, FL 32080-6182

Mortgage

Document Number0051371043
DateDec 29, 2020
Book Page5137/1043
Instrument2020119243
Lender
NameHOMESTAR FINANCIAL CORP
TypeMortgage Company
AddressGAINESVILLE, GA 30501
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 1, 2051

July 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST JOHNS FL
Recording DateJul 12, 2018
Property Address996 WINDWARD WAY, SAINT AUGUSTINE, FL 32080-6182
Document Number0045781696
Book / Page4578 / 1696
Map ReferenceMB41 PG43-46
Instrument DateJul 11, 2018
Instrument2018049493
Transaction TypeTransfer
Record UpdatedAug 31, 2021
Title CompanyISLAND TITLE OF ST

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address15 PLEASANT ST, 15, WALDOBORO, ME 04572-6088

Transferred To (Grantee/Buyer)

NameVerified Name
Address996 WINDWARD WAY, SAINT AUGUSTINE, FL 32080-6182

Mortgage

Document Number2018049494
DateJul 12, 2018
Instrument2018049494
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueAug 1, 2048

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$349,785 (+25.53%)$465,969 (+7.52%) Land $100,000 Building $365,969
2025$3,578.00 (+12.94%) Homeowner's exemption$278,655 (+2.9%)$433,359 (-0.7%) Land $100,000 Building $333,359
2024$3,168.00 (+2.06%) Homeowner's exemption$270,802 (+3%)$436,409 (+1%) Land $110,000 Building $326,409
2023$3,104.00 (+3.05%) Homeowner's exemption$262,915 (+3%)$432,077 (+3.18%) Land $110,000 Building $322,077
2022$3,012.00 Homeowner's exemption$255,257$418,768 Land $95,200 Building $323,568

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 AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 429 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies653 units insured
incl. 224 condo units
Nearby Flood Claims6 (2016–2024)
Claims Outside the SFHA4 of 6
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Matthew, Oct 2016 · 3 claims

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 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.01% annual chance
ExposureNone
beyond ember reach

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 SystemSJCU-CR214 MAINLAND WTP
serves 66,953 people · EPA ID FL2554447
Water SourceGroundwater
Last State InspectionAug 2025
LeadUnder 1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting6
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 255 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Xfinity
Cable		1,200 / 35

May also be available: IQ Fiber, Verizon.

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