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

St. Johns County property record for 237 Whisper Ridge Dr, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,952 sqft · built 2005
Lot Size	0.23 acres (10,018 sqft)
Owner	2 Individual Names on Record
Last Sale	$224,000 (Oct 2017)
Tax Bill	$1,791 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`029323-0170`

Property Details

APN / Parcel Number

Primary APN	`029323-0170`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	1,952 sqft Living Area
Gross Area	2,526 sqft
1st Floor Area	1,952 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
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,018 sqft (0.23 acres)
Garage Type	Attached
Garage Area	574 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	226 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	237 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 17 OR4452/1767
Legal Range	28E
Legal Township	07S
Legal Section	01
Legal Subdivision	WHISPER RIDGE UNIT 3
Legal Block	2
Legal Lot Number	17
Legal Unit	3
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2017
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	237 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3784
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Oct 24, 2017	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 2017 · Amount on Record
Deed Sale	Oct 24, 2017 · Amount on Record
Prior Sale	Nov 4, 2005 · Amount on Record
Deed Document Number	201772066
Deed Book / Page	4452 / 1767
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	237 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3784
Transaction Type	Mortgage
Record Updated	May 23, 2023
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0053771668
Date	Sep 24, 2021
Book Page	5377/1668
Instrument	2021105005

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	237 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3784
Document Number	0048270556
Instrument Date	Oct 30, 2019
Transaction Type	Mortgage
Record Updated	Nov 25, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	237 WHISPER RIDGE DR ST AUGUSTINE FL 320923784, ST AUGUSTINE, FL 32092-3784

Mortgage

Document Number	0048270556
Date	Nov 7, 2019
Book Page	004827/000556
Instrument	83321

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 6, 2049

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Oct 24, 2017
Property Address	237 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3784
Document Number	0044521767
Book / Page	004452 / 001767
Instrument Date	Oct 24, 2017
Instrument	72066
Transaction Type	Transfer
Record Updated	Nov 10, 2017
Title Company	PARADISE TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,568.00
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	237 WHISPER RIDGE DR ST AUGUSTINE FL 320923784, ST AUGUSTINE, FL 32092-3784

Mortgage

Document Number	44521769
Date	Oct 24, 2017
Book Page	004452/001769
Instrument	72067

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 23, 2047

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		$150,944 (+2.7%)	$323,326 (+0.04%) Land $85,000 Building $238,326
2025	$1,791.00 (+15.55%) Homeowner's exemption	$146,976 (+2.9%)	$323,208 (-7.9%) Land $80,000 Building $243,208
2024	$1,550.00 (+2.38%) Homeowner's exemption	$142,834 (+3%)	$350,938 (+3.52%) Land $90,000 Building $260,938
2023	$1,514.00 (+3.98%) Homeowner's exemption	$138,674 (+3%)	$338,992 (+8.01%) Land $88,088 Building $250,904
2022	$1,456.00 Homeowner's exemption	$134,635	$313,841 Land $72,800 Building $241,041

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 58% of the US · lower than 68% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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.

Cell Coverage

5G (outdoors only) and 4G LTE

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