St. Johns County property record for 145 Whisper Ridge Dr, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,071 sqft · built 2005 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $400,000 (May 2026) |
| Tax Bill | $2,904 (2025) |
| Deeds & Mortgages | May 2026 Sale Apr 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 029321-0140 |
| Primary APN | 029321-0140 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,071 sqft Living Area |
| Gross Area | 2,667 sqft |
| 1st Floor Area | 2,071 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,454 sqft (0.24 acres) |
| Garage Type | Attached |
| Garage Area | 479 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 165 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 145 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 14 OR3997/550 |
| Legal Range | 28E |
| Legal Township | 07S |
| Legal Section | 01 |
| Legal Subdivision | WHISPER RIDGE UNIT 1 |
| Legal Block | 2 |
| Legal Lot Number | 14 |
| Legal Unit | 1 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 20906 |
145 Whisper Ridge Dr is owned and occupied by two individuals who bought it in May 2026.
Source: St. Johns County records, as of June 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 145 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3773 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
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 |
|---|---|
| May 21, 2026 | Warranty Deed, Transfer CLOSING TABLE, CLOSING BEAR |
| Apr 20, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 21, 2026 · Amount on File |
| Deed Sale | May 21, 2026 · Amount on File |
| Prior Sale | Mar 9, 2015 · Amount on File |
| Deed Document Number | 202643438 |
| Deed Book / Page | 6367 / 1045 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | May 21, 2026 |
| Property Address | 145 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3773 |
| Document Number | 0000043438 |
| Book / Page | 6367 / 1045 |
| Instrument Date | Apr 21, 2026 |
| Instrument | 202643438 |
| Transaction Type | Transfer |
| Record Updated | Jun 3, 2026 |
| Title Company | CLOSING TABLE, CLOSING BEAR |
| Amount | Amount on Record |
|---|---|
| Tax | $282,800.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 145 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3773 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 145 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3773 |
| Document Number | 0049290684 |
| Instrument Date | Apr 20, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 23, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 145 WHISPER RIDGE DR ST AUGUSTINE FL 320923773, ST AUGUSTINE, FL 32092-3773 |
| Document Number | 0049290684 |
|---|---|
| Date | Apr 24, 2020 |
| Book Page | 004929/000684 |
| Instrument | 31757 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Apr 23, 2035 |
The 2025 property tax bill for 145 Whisper Ridge Dr was $2,904 with a homeowner's exemption, up 13.6% from the year before.
Source: St. Johns County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $235,810 (+2.7%) | $333,686 (-1.47%) Land $85,000 Building $248,686 | |
| 2025 | $2,904.00 (+13.57%) Homeowner's exemption | $229,611 (+2.9%) | $338,676 (-7.93%) Land $80,000 Building $258,676 |
| 2024 | $2,557.00 (+2.12%) Homeowner's exemption | $223,140 (+3%) | $367,862 (+3.55%) Land $90,000 Building $277,862 |
| 2023 | $2,504.00 (+3.3%) Homeowner's exemption | $216,641 (+3%) | $355,261 (+7.81%) Land $88,088 Building $267,173 |
| 2022 | $2,424.00 Homeowner's exemption | $210,331 | $329,514 Land $72,800 Building $256,714 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 145 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 risk around 145 Whisper Ridge Dr is moderate, ranking above 45% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · lower than 84% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 282 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable · Fiber in parts of the area | 2,000 / 250 |
May also be available: Verizon.
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