129 Whisper Ridge Dr, Saint Augustine, FL 32092 Property Records

St. Johns County property record for 129 Whisper Ridge Dr, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,852 sqft · built 2005
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$385,000 (Mar 2022)
Tax Bill	$334 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Sep 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`029321-0100`

Property Details

APN / Parcel Number

Primary APN	`029321-0100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	1,852 sqft Living Area
Gross Area	2,614 sqft
1st Floor Area	1,852 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	574 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	248 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	129 WHISPER RIDGE DR
City	SAINT AUGUSTINE
State	FL
Zip	32092-3773
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	49/43-49 WHISPER RIDGE UNIT 1 LOT 10 OR5510/1864
Legal Range	28E
Legal Township	07S
Legal Section	01
Legal Subdivision	WHISPER RIDGE UNIT 1
Legal Block	2
Legal Lot Number	10
Legal Unit	1
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2017
Census Tract	20906

Owner

129 Whisper Ridge Dr is owned and occupied by two individuals who bought it in March 2022.

Source: St. Johns County records, as of June 17, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	129 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3773
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Her Husband

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2022	Warranty Deed, Transfer · VA Mortgage AMCAP MORTGAGE LTD
Sep 27, 2021	Warranty Deed, Transfer OS NATIONAL TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 8, 2022 · Amount on File
Deed Sale	Mar 8, 2022 · Amount on File
Prior Sale	Sep 27, 2021 · Amount on File
Deed Document Number	202225312
Deed Book / Page	5510 / 1864
Prior Transfer Date	Aug 10, 2012
Prior Transfer Doc	0036010208
Record Updated	Oct 29, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Mar 8, 2022
Property Address	129 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3773
Document Number	0055101864
Book / Page	5510 / 1864
Map Reference	MB 49 PG 43-49
Instrument Date	Mar 3, 2022
Instrument	2022025312
Transaction Type	Transfer
Record Updated	May 23, 2023
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,695.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	410 N SCOTTSDALE RD # RD1600, RD1600, TEMPE, AZ 85288-7094

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	126 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092

Mortgage

Document Number	0055101866
Date	Mar 8, 2022
Instrument	5510/1866

Lender

Name	AMCAP MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Sep 27, 2021
Property Address	129 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3773
Document Number	0053790414
Book / Page	5379 / 414
Map Reference	MB 49 PG 43-49
Instrument Date	Sep 24, 2021
Instrument	2021105559
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	OS NATIONAL TITLE

Transaction

Amount	Amount on Record
Tax	$2,450.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4083 SUNBEAM RD APT 1020, 1020, JACKSONVILLE, FL 32257-7508

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 129 Whisper Ridge Dr was $334 with a veteran's exemption, down 91.7% 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		$319,417 (-0.02%) Land $85,000 Building $234,417	$319,417 (-0.02%) Land $85,000 Building $234,417
2025	$334.00 (-91.71%) Disabled Person's exemption Veteran's exemption	$319,478 (-7.5%)	$319,478 (-7.97%) Land $80,000 Building $239,478
2024	$4,027.00 (+2.03%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$345,373 (+3%)	$347,129 (+3.52%) Land $90,000 Building $257,129
2023	$3,947.00 (-6.18%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$335,314 (+8.06%)	$335,314 (+8.06%) Land $88,088 Building $247,226
2022	$4,207.00	$310,307	$310,307 Land $72,800 Building $237,507

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

Flood

FEMA maps place 129 Whisper Ridge Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.

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 74 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	74 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 2024 · other causes

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 129 Whisper Ridge Dr is moderate, ranking above 59% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 59% of the US · lower than 67% of Florida
Wildfire Likelihood	0.1% 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-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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 114 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Fiber · Cable in parts of the area	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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