Madison County property record for 164 NW Whispering Pines Loop, Madison, FL 32340
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,348 sqft · built 1971 |
| Lot Size | 0.71 acres (30,928 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,622 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-1N-09-3599-031-000 |
| Primary APN | 21-1N-09-3599-031-000 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,348 sqft Living Area |
| Gross Area | 2,856 sqft |
| 1st Floor Area | 1,868 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| Architectural Style | Bungalow |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 30,928 sqft (0.71 acres) |
| Driveway | Asphalt Driveway |
| Driveway Area | 928 sqft |
| Porch | Finished Screened Porch |
| Porch Area | 240 sqft |
| Patio Area | 108 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Septic |
| Street Address | 164 NW WHISPERING PINES LOOP |
|---|---|
| City | MADISON |
| State | FL |
| Zip | 32340-1569 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | WHISPERING PINES ACRES S/D LOT #3 OR 56/590 OR OR 60/461 BEG AT SW COR OF LOT 1 RUN E250 TO POB CONT E125 S100 W125 N100 TO POB BEING PART OF NW 1/4 OF NW1/4 OR 128/76 OR 1551 /297 |
| Legal Range | 09E |
| Legal Township | 01N |
| Legal Section | 21 |
| Legal Subdivision | WHISPERING PINES |
| Legal Lot Number | 3 |
| Jurisdiction | MADISON FL |
| Township / Civil Division | MADISON |
| Census Block Group | 2 |
| Census Block | 2039 |
| Census Tract | 110301 |
164 NW Whispering Pines Loop is owned and occupied by an individual who acquired it in May 2024.
Source: Madison County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 164 NW WHISPERING PINES LOOP, MADISON, FL 32340-1569 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Man, Separate Property |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | May 31, 2024 |
| Transfer Doc | 0015510297 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 164 NW Whispering Pines Loop was $1,622.
Source: Madison County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,622.00 | $128,495 | $282,298 Land $23,760 Building $258,538 |
| 2023 | $1,456.00 (-1.75%) Homeowner's exemption Widower's exemption | $121,237 (+3%) | $287,183 (+24.35%) Land $21,600 Building $265,583 |
| 2022 | $1,482.00 Homeowner's exemption Widower's exemption | $117,706 | $230,951 Land $18,000 Building $212,951 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 164 NW Whispering Pines Loop in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1987.
Source: FEMA National Flood Hazard Layer, effective April 23, 2025 · 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 |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 2 (1987–2024) |
| Most Recent Claim | Aug 2024 · Hurricane Debby |
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 164 NW Whispering Pines Loop is moderate, ranking above 46% 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 46% of the US · lower than 83% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 44 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Conexon Connect Fiber | 2,000 / 2,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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