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Judy Anne Lumagui Santos-Agoncillo was born May 11, 1978 in Manila, Philippines, popularly known as Judy Ann Santos or Juday/Judai, is an award-winning and multi-nominated film and television actress, product endorser, recording artist, and film producer in the Philippines. She is dubbed as the Philippines' Young Superstar.
She attended her kindergarten at Assumption Convent, Elementary at Our Lady of Peace Antipolo where she graduated with a Performer of the Year Award and she finished her High School at Mount Carmel College in Quezon City then went on to take up Culinary Arts Course at the Center for Asian Culinary Studies under the tutelage of Chef Gene Gonzalez where she graduated with distinction. She is now training for certification as a professional chef. She also had a crash course in International Cuisine in Chiang Mai,Thailand. She also took up the Exam for TESDA National Certification and just last July 6, 2009 she passed the exam and received a Certificate of Competency from TESDA.

Judy Ann Santos is a great granddaughter of Don Joaquin Singian Dayrit of San Fernando, Pampanga and one of the granddaughters of the late businesswoman, Victoria Paras Dayrit-Santos of Pampanga, and the late Tatang Miguel Santos, who died at the age of 88, a proprietor of the defunct Victoria Supermarket (now owned by Alex Medina) and Victoria Building located in Caloocan City which is now on its 38th anniversary. Both are landowners of a big farm in Rizal and Tarlac. She has an elder brother, actor Jeffrey Santos (councilor of Caloocan City), who is married to Inah Santos, and an elder sister, Mrs. Jackie Hoover. Her mother single-handedly raised them by working as a caregiver in Toronto, Canada. Judy Ann Santos has half-siblings by her father, who lives in California.Santos is head of the Touch A Heart Foundation (launched in 2004), which addresses the educational and agricultural needs of a community of Aetas in Bataan, and provides medical supplies for the hospital in Cuyo Island, Palawan. A housing project to help revive the careers of veteran actors, small-time comedians and action film sidekicks is also in the works

Santos was discovered at the age of eight, when she passed the audition for Regal Films' Kaming Mga Ulila, a project that became a TV series instead for GMA.

She has made several movies with Star Cinema, Regal Films, Viva Films, GMA Films, and other production outfits.

Sh became a first-time film producer via the independent movie Ploning where she also played the title role. She received two Best Film awards as co-producer of Ploning.

Aside from television and film, Santos also parlayed her mass appeal into the recording industry.
In addition, Santos is considered a top celebrity endorser in the tri-media advertising industry, lending her name to both new (ex. Fitrum, ForMe) and established (ex. Tuseran, Pantene) products in billboard, television, and print. In YES! Magazine's List of Top 10 Celebrity Endorsers based on the quantity and impact of their advertising campaigns in 2007, Santos ranked #4. In YES! Magazine's List of Top 20 Celebrity Endorsers based on the total (approximate) income in 2008, Santos ranked #6. However, based on the total number of endorsements in 2008, Santos ranked #2 with 24 tri-media endorsements
Santos has appeared in countless glossy magazines since she lost considerable weight in 2001. She was the cover girl of the first edition of YES! Magazine's 100 Most Beautiful Stars in 2007. In the early quarter of 2009, a Star Studio special issue published by ABS-CBN Publishing Inc. simply titled Judy Ann Santos was released featuring her life, her joys, her loves, and her dreams. In that magazine, Santos also exhibited her skills in writing as she was the Executive Editor.

Actor-TV host Ryan Agoncillo proposed marriage to Santos on her 30th birthday. Media confirmation followed only on June 19, 2008 because the couple wanted to keep the engagement to themselves.

Santos and Agoncillo were married in a private wedding ceremony on the early morning of April 28, 2009, in the San Juan de Nepomuceno Church in San Juan, Batangas in the Philippines.