186 Whispering Brook Dr, Saint Augustine, FL 32084 Property Records

St. Johns County property record for 186 Whispering Brook Dr, Saint Augustine, FL 32084

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 1,337 sqft · built 2023
Lot Size	0.05 acres (2,178 sqft)
Owner	2 Individual Names on File
Last Sale	$275,990 (Feb 2023)
Tax Bill	$3,682 (2025)
Deeds & Mortgages	Feb 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`102824-0310`

Property Details

APN / Parcel Number

Primary APN	`102824-0310`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	1,337 sqft Living Area
1st Floor Area	630 sqft
Flooring	Carpet

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	2,178 sqft (0.05 acres)
Porch	Finished/Open Porch
Porch Area	104 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	186 WHISPERING BROOK DR
City	SAINT AUGUSTINE
State	FL
Zip	32084-0049
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	110/34-40 WHISPERING CREEK LOT 31 BLK 2 OR5703/139
Legal Range	29
Legal Township	07
Legal Section	51
Legal Subdivision	WHISPERING CREEK
Legal Block	2
Legal Lot Number	31
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	3
Census Block	3000
Census Tract	20903

Owner

Source: St. Johns County records · APN 102824-0310

Assessment roll updated April 13, 2026 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	186 WHISPERING BROOK DR, SAINT AUGUSTINE, FL 32084-0049
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 01, 2023 · Amount on Record
Deed Sale	Feb 01, 2023 · Amount on Record
Deed Document Number	20238169
Deed Book / Page	5703 / 139
Record Updated	Sep 20, 2026

February 2023: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Feb 01, 2023
Property Address	186 WHISPERING BROOK DR, SAINT AUGUSTINE, FL 32084-0049
Document Number	0057030139
Book / Page	5703 / 139
Map Reference	MB 110 PG 34-40
Instrument Date	Jan 30, 2023
Instrument	2023008169
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 12, 2024
Title Company	DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,932.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4220 RACE TRACK RD # RD100, RD100, ST JOHNS, FL 32259-2084

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	186 WHISPERING BROOK DR, ST AUGUSTINE, FL 32084-0049

Mortgage

Document Number	0005703140
Date	Feb 01, 2023
Instrument	5703/140

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 01, 2053

Tax Assessment & Valuation

Source: St. Johns County records · Assessment roll updated April 13, 2026 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Florida
County	St. Johns County
Municipality	St. Augustine City
Unified School District	St. Johns County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$231,485 (+2.7%)	$244,749 (+2.48%) Land $55,000 Building $189,749
2025	$3,682.00 (+8.23%) Homeowner's exemption	$225,399 (+2.9%)	$238,818 (+9.03%) Land $55,000 Building $183,818
2024	$3,402.00 (+273.44%) Homeowner's exemption	$219,047 (+298.27%)	$219,047 (+298.27%) Land $50,000 Building $169,047
2023	$911.00 (+15.9%)	$55,000 (+32.72%)	$55,000 (+32.72%) Land $55,000
2022	$786.00	$41,440	$41,440 Land $41,440

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 15, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 18 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2017 · Hurricane Irma

Wildfire

Wildfire Risk	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile USA.

Based on FCC filings for 121 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ST. AUGUSTINE WS serves 43,069 people
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	5 last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.