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

St. Johns County property record for 232 Whisper Ridge Dr, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,167 sqft · built 2005
Lot Size	0.23 acres (10,018 sqft)
Owner	2 Individual Names on Record
Last Sale	$290,000 (Nov 2005)
Tax Bill	$2,388 (2025)
Deeds & Mortgages	Sep 2021 Transfer Jul 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`029323-0370`

Property Details

APN / Parcel Number

Primary APN	`029323-0370`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	2,167 sqft Living Area
Gross Area	2,587 sqft
1st Floor Area	2,167 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

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	10,018 sqft (0.23 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	350 sqft
Porch	Finished/Open Porch
Porch Area	275 sqft
Deck Area	Deck Area
Patio Area	775 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	232 WHISPER RIDGE DR
City	SAINT AUGUSTINE
State	FL
Zip	32092-3785
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	50/49-58 WHISPER RIDGE UNIT 3 LOT 37 OR2585/15 & 5380/1102
Legal Range	28E
Legal Township	07S
Legal Section	01
Legal Subdivision	WHISPER RIDGE UNIT 3
Legal Block	2
Legal Lot Number	37
Legal Unit	3
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2022
Census Tract	20906

Owner

Source: St. Johns County records, as of June 17, 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 Record
Mailing Address	232 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3785
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2021	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jul 19, 2018	Deed of Trust, Mortgage · VA Mortgage NEW PENN FINANCIAL LLC
Jan 12, 2021	Deed of Trust, Mortgage · VA Mortgage NEWREZ LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 17, 2005 · Amount on Record
Deed Sale	Nov 17, 2005 · Amount on Record
Prior Sale	Apr 19, 2005 · Amount on Record
Deed Document Number	200595720
Deed Book / Page	2585 / 15
Last Transfer Date	Sep 16, 2021
Transfer Doc	0053801102
Record Updated	Oct 29, 2026

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOHNS FL
Recording Date	Sep 28, 2021
Property Address	232 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3785
Document Number	0053801102
Book / Page	5380 / 1102
Map Reference	MB 50 PG 49-58
Instrument Date	Sep 16, 2021
Instrument	2021106181
Transaction Type	Transfer
Record Updated	May 23, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	232 WHISPER RIDGE DR, ST AUGUSTINE, FL 32092-3785
Investor	Possibly a Property Investor

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	232 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3785
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0045821077
Date	Jul 19, 2018
Book Page	4582/1077
Instrument	2018051568

Lender

Name	NEW PENN FINANCIAL LLC
Type	Mortgage Company
Address	PLYMOUTH MEETING, PA 19462

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	232 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3785
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3785

Mortgage

Document Number	0051500724
Date	Jan 12, 2021
Book Page	5150/724
Instrument	2021004304

Lender

Name	NEWREZ LLC
Type	Non-Lending Institution
Address	FORT WASHINGTON, PA 19034

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

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		$196,478 (+2.7%)	$393,608 (-1.41%) Land $85,000 Building $308,608
2025	$2,388.00 (+14.26%) Homeowner's exemption	$191,313 (+2.9%)	$399,239 (-2.26%) Land $80,000 Building $319,239
2024	$2,090.00 (+2.2%) Homeowner's exemption	$185,921 (+3%)	$408,491 (+8.89%) Land $90,000 Building $318,491
2023	$2,045.00 (+3.54%) Homeowner's exemption	$180,506 (+3%)	$375,143 (+12.65%) Land $88,088 Building $287,055
2022	$1,975.00 Homeowner's exemption	$175,249	$333,003 Land $72,800 Building $260,203

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

Flood

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 Record 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

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	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.

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