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

St. Johns County property record for 233 Whisper Ridge Dr, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,302 sqft · built 2005
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on File
Last Sale	$325,000 (Jul 2019)
Tax Bill	$3,642 (2025)
Deeds & Mortgages	Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`029323-0160`

Property Details

APN / Parcel Number

Primary APN	`029323-0160`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	2,302 sqft Living Area
Gross Area	2,943 sqft
1st Floor Area	1,970 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	9,583 sqft (0.22 acres)
Garage Type	Attached
Garage Area	451 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	266 sqft
Patio Area	374 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	233 WHISPER RIDGE DR
City	SAINT AUGUSTINE
State	FL
Zip	32092-3784
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	50/49-58 WHISPER RIDGE UNIT 3 LOT 16 OR4761/801
Legal Range	28E
Legal Township	07S
Legal Section	01
Legal Subdivision	WHISPER RIDGE UNIT 3
Legal Block	2
Legal Lot Number	16
Legal Unit	3
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2017
Census Tract	20906

Owner

233 Whisper Ridge Dr is owned and occupied by two individuals who bought it in July 2019.

Source: St. Johns County records, as of June 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	233 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3784
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 18, 2019 · Amount on File
Deed Sale	Jul 18, 2019 · Amount on File
Prior Sale	May 9, 2005 · Amount on File
Deed Document Number	201951777
Deed Book / Page	4761 / 801
Record Updated	Oct 29, 2026

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jul 18, 2019
Property Address	233 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3784
Document Number	0047610801
Book / Page	004761 / 000801
Instrument Date	Jul 18, 2019
Instrument	51777
Transaction Type	Transfer
Record Updated	Jul 30, 2019
Title Company	AMERICAS CHOICE TITLE COMPANY, AMERICAS CHOICE TITLE CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,275.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	233 WHISPER RIDGE DR ST AUGUSTINE FL 320923784, ST AUGUSTINE, FL 32092-3784

Mortgage

Document Number	47610803
Date	Jul 18, 2019
Book Page	004761/000803
Instrument	51778

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 17, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 233 Whisper Ridge Dr was $3,642 with a homeowner's exemption, up 12.9% 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		$292,081 (+2.7%)	$360,981 (-1.39%) Land $85,000 Building $275,981
2025	$3,642.00 (+12.93%) Homeowner's exemption	$284,402 (+2.9%)	$366,053 (-7.78%) Land $80,000 Building $286,053
2024	$3,225.00 (+185.65%) Homeowner's exemption	$276,387 (+3%)	$396,936 (+3.58%) Land $90,000 Building $306,936
2023	$1,129.00 (-63.19%) Homeowner's exemption	$268,337 (+3%)	$383,228 (+8.12%) Land $88,088 Building $295,140
2022	$3,067.00 Homeowner's exemption	$260,521	$354,431 Land $72,800 Building $281,631

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

Flood

FEMA maps place 233 Whisper Ridge Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 233 Whisper Ridge Dr 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	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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