St. Johns County property record for 103 Whispering Oaks Cir, Saint Augustine, FL 32080
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 2,852 sqft · built 2023 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $198,000 (Mar 2021) |
| Tax Bill | $16,549 (2025) |
| Deeds & Mortgages | Apr 2022 Construction Loan Mar 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 172561-0250 |
| Primary APN | 172561-0250 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 20 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,852 sqft Living Area |
| Gross Area | 3,252 sqft |
| 1st Floor Area | 1,512 sqft |
| Flooring | Carpet |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 7,405 sqft (0.17 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 103 WHISPERING OAKS CIR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32080-4721 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 34/11-13 WHISPERING OAKS LOT 25 OR5199/934 |
| Legal Range | 30E |
| Legal Township | 08S |
| Legal Section | 03 |
| Legal Subdivision | WHISPERING OAKS |
| Legal Block | 1 |
| Legal Lot Number | 25 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 21410 |
103 Whispering Oaks Cir is owned by an individual who bought it in March 2021.
Source: St. Johns County records, as of April 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 6512 NAVAHO TRL, MINNEAPOLIS, MN 55439-1138 |
| 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.
| Date | Document |
|---|---|
| Apr 13, 2022 | Deed of Trust, Mortgage · Construction Mortgage WAUKON STATE BANK |
| Mar 5, 2021 | Special Warranty Deed, Transfer LAND TITLE/AMERICA INC, LAND TITLE OF AMERICA INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 5, 2021 · Amount on File |
| Deed Sale | Mar 5, 2021 · Amount on File |
| Deed Document Number | 202125159 |
| Deed Book / Page | 5199 / 934 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 103 WHISPERING OAKS CIR, SAINT AUGUSTINE, FL 32080-4721 |
| Transaction Type | Mortgage |
| Record Updated | Apr 27, 2022 |
| Name | Verified Name |
|---|---|
| Address | 6512 NAVAHO TRL, EDINA, MN 55439-1138 |
| Document Number | 0055370468 |
|---|---|
| Date | Apr 13, 2022 |
| Book Page | 5537/468 |
| Instrument | 2022038578 |
| Name | WAUKON STATE BANK |
|---|---|
| Type | Bank |
| Address | DECORAH, IA 52101 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 6 Months |
| Due | Oct 8, 2022 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Mar 5, 2021 |
| Property Address | 103 WHISPERING OAKS CIR, SAINT AUGUSTINE, FL 32080-4721 |
| Document Number | 0051990934 |
| Book / Page | 5199 / 934 |
| Map Reference | MB 34 PG 11-13 |
| Instrument Date | Mar 1, 2021 |
| Instrument | 2021025159 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2021 |
| Title Company | LAND TITLE/AMERICA INC, LAND TITLE OF AMERICA INC |
| Amount | Amount on Record |
|---|---|
| Tax | $1,386.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 514 13TH ST, 514, SAINT AUGUSTINE, FL 32084-1407 |
| Name | Verified Name |
|---|---|
| Address | 6512 NAVAHO TRL, EDINA, MN 55439-1138 |
The 2025 property tax bill for 103 Whispering Oaks Cir was $16,549, up 10.6% from the year before.
Source: St. Johns County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Municipality | St. Augustine Beach City |
| Unified School District | St. Johns County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $923,698 (-7.37%) Land $245,000 Building $678,698 | $923,698 (-7.37%) Land $245,000 Building $678,698 | |
| 2025 | $16,549.00 (+10.63%) | $997,189 (+1.18%) | $997,189 (+1.18%) Land $245,000 Building $752,189 |
| 2024 | $14,959.00 (+315.87%) | $985,558 (+302.27%) | $985,558 (+302.27%) Land $245,000 Building $740,558 |
| 2023 | $3,597.00 (+31.09%) | $245,000 (+41.13%) | $245,000 (+41.13%) Land $245,000 |
| 2022 | $2,744.00 | $173,600 | $173,600 Land $173,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 103 Whispering Oaks Cir in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2016.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 243 individual policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 365 units insured incl. 122 condo units |
| Nearby Flood Claims | 5 (2016–2024) |
| Claims Outside the SFHA | 4 of 5 |
| Most Recent Claim | Sep 2024 · other causes |
| Claims by Event |
|
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 103 Whispering Oaks Cir is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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-CR214 MAINLAND WTP serves 66,953 people · EPA ID FL2554447 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2025 |
| Lead | Under 1 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 6 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.
Source: FCC Broadband Data Collection, based on 248 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| IQ Fiber Fiber | 5,000 / 5,000 |
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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