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

St. Johns County property record for 189 Whisper Ridge Dr, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,583 sqft · built 2005
Lot Size	0.23 acres (10,018 sqft)
Owner	Company Name on File
Last Sale	$375,000 (Mar 2022)
Tax Bill	$4,135 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Aug 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`029323-0010`

Property Details

APN / Parcel Number

Primary APN	`029323-0010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,583 sqft Living Area
Gross Area	2,024 sqft
1st Floor Area	1,583 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Concrete
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,018 sqft (0.23 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	36 sqft
Patio Area	110 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	189 WHISPER RIDGE DR
City	SAINT AUGUSTINE
State	FL
Zip	32092-3774
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	50/49-58 WHISPER RIDGE UNIT 3 LOT 1 OR5616/292
Legal Range	28E
Legal Township	07S
Legal Section	01
Legal Subdivision	WHISPER RIDGE UNIT 3
Legal Block	2
Legal Lot Number	1
Legal Unit	3
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2017
Census Tract	20906

Owner

189 Whisper Ridge Dr is owned by a company that acquired it in August 2022.

Source: St. Johns County records, as of April 13, 2026

Owner of Record	Company Name on File
Mailing Address	PO BOX 4090, SCOTTSDALE, AZ 85261-4090
Owner Type	Company

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

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2022	Deed of Trust, Mortgage · Commercial Mortgage ROYAL BANK OF CANADA
Aug 15, 2022	Intrafamily Transfer, Transfer SELENE TITLE LLC
Mar 11, 2022	Warranty Deed, Transfer ACTION TITLE SERVICES/STATE JOHNS COUNTY, ACTION TTL SVCS OF ST JOHNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 11, 2022 · Amount on File
Deed Sale	Mar 11, 2022 · Amount on File
Prior Sale	Sep 28, 2005 · Amount on File
Deed Document Number	202226814
Deed Book / Page	5513 / 1665
Last Transfer Date	Aug 11, 2022
Transfer Doc	0056160292
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	189 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3774
Transaction Type	Mortgage
Record Updated	Sep 9, 2022
Title Company	SELENE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056191219
Date	Aug 19, 2022
Book Page	5619/1219
Instrument	2022080461

Lender

Name	ROYAL BANK OF CANADA
Type	Bank
Address	NEW YORK, NY 10281

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOHNS FL
Recording Date	Aug 15, 2022
Property Address	189 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3774
Document Number	0056160292
Book / Page	5616 / 292
Map Reference	MB 57 PG 8-14
Instrument Date	Aug 11, 2022
Instrument	2022078599
Transaction Type	Transfer
Record Updated	Sep 9, 2022
Title Company	SELENE TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 4090, SCOTTSDALE, AZ 85261-4090

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 4090, SCOTTSDALE, AZ 85261-4090
Investor	Possibly a Property Investor

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Mar 11, 2022
Property Address	189 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3774
Document Number	0055131665
Book / Page	5513 / 1665
Map Reference	MB 50 PG 49-58
Instrument Date	Mar 11, 2022
Instrument	2022026814
Transaction Type	Transfer
Record Updated	Sep 9, 2022
Title Company	ACTION TITLE SERVICES/STATE JOHNS COUNTY, ACTION TTL SVCS OF ST JOHNS

Transaction

Amount	Amount on Record
Tax	$2,625.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	110 LINWOOD DR, 110, LINCOLNTON, NC 28092-2132

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 4090, SCOTTSDALE, AZ 85261-4090
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 189 Whisper Ridge Dr was $4,135, up 1.1% 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		$281,784 (-0.17%) Land $85,000 Building $196,784	$281,784 (-0.17%) Land $85,000 Building $196,784
2025	$4,135.00 (+1.1%)	$282,260	$282,260 Land $80,000 Building $202,260
2024	$4,090.00 (+2.07%)
2023	$4,007.00 (+19.93%)	$295,713 (+8.43%)	$295,713 (+8.43%) Land $88,088 Building $207,625
2022	$3,341.00	$272,715	$272,715 Land $72,800 Building $199,915

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

Flood

FEMA maps place 189 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 189 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.

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 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.

Nearby Properties on Whisper Ridge Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures