top of page

Share a Memory:

Upon submitting your memory, please refresh your page to view your condolences.

Your content has been submitted

An error occurred. Try again later


Karen (Bauer) Troglin

Our thoughts and prayer are with you and the kids, Mike. We hope you find comfort in the days ahead with cherished memories of Judy.

Tonya & Shawn Walker

Debbie Miller

I worked with Judy at BancBoston Mortgage and she was always so sweet and kind.My sincere condolences to the family , I know she will be greatly missed.

Joyce Johnson

My sincere condolences to Judy's family. I worked with Judy her first year teaching at Fleming Island High School. She was a great teacher, I so enjoyed working with her. Don't know if you remember me I once kept the children when Judy & Mike went out of town....when the children were young. So very sorry to hear this. She was an awesome lady, wife, mother & teacher.

Aislen Mayberry

She was one of the first teachers to actually care and notice whenever something was wrong and she always went over and helped when needed. Noticing all the small details and even when students where failing she'd always help, always making sure everyone passed and none stressed about the idea of failing. She overall was the best teacher a student could get and an amazing person. We will all miss her dearly.

Jan Van Delinder

We will miss Judy! Your famiy is in our thoughts and prayers.

Eve Mayhew & Bill Decker

Mike, we are so sorry for your loss of your sweet, beautiful Judy. She will be missed!

Tezlyn Watts

Sincere and heartfelt condolences.

Judith Ann Denio


Judith Ann Denio, age 57 of Fernandina Beach, FL passed away on April 3rd at home.

Born on February 4th, 1967 in Wilmington, DE to the late William Moak and Dolores Wrzochalski. Judy grew up in Albany, NY and graduated from Mercy High School in 1985. After graduating from the SUNY Cortland with a BA in Psychology, she married Michael Denio in August of 1990.

After marrying Mike, she moved to Jacksonville, FL and began work at JP Morgan Chase and later in her life’s passion as a Teacher at Fleming Island HS and Yulee HS. During this time, 3 children were born to the couple.

Judy was most passionate about her love of family and was heavily involved in the genealogy of her family. Additionally, she was a loving and caring teacher who always made time for her kids as she called her students.

Judy leaves her husband of 34 years, Mike Denio of Fernandina Beach FL; daughter, Samantha Denio of Fernandina Beach; sons, Alex and Zach Denio both of Jacksonville, FL; her brother, John Moak of Niskayuna, NY; as well as many aunts, uncles, cousins, nieces and nephews.

A Celebration of her life will be held at 11am on Saturday, April 13th at Oxley-Heard Funeral home in Fernandina Beach, FL. The family will receive friends from 10am until 11am at the same location.

Judy will be laid to rest in Jacksonville National Cemetery.

Donations can be made in her name to the Nassau Humane Society at


bottom of page