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

St. Johns County property record for 245 Whisper Ridge Dr, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,279 sqft · built 2005
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$342,000 (Dec 2020)
Tax Bill	$3,865 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`029323-0190`

Property Details

APN / Parcel Number

Primary APN	`029323-0190`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	2,279 sqft Living Area
Gross Area	3,025 sqft
1st Floor Area	2,279 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	9,583 sqft (0.22 acres)
Garage Type	Attached
Garage Area	475 sqft
Parking Spaces	2 Parking Spaces
Pool Area	1,144 sqft
Porch	Finished Screened Porch
Porch Area	328 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	245 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 19 OR5113/236
Legal Range	28E
Legal Township	07S
Legal Section	01
Legal Subdivision	WHISPER RIDGE UNIT 3
Legal Block	2
Legal Lot Number	19
Legal Unit	3
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2017
Census Tract	20906

Owner

245 Whisper Ridge Dr is owned and occupied by an individual who bought it in December 2020.

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

Owner of Record	Individual Name on File
Mailing Address	245 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

Date	Document
Feb 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Dec 2, 2020	Warranty Deed, Transfer · FHA Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 2, 2020 · Amount on File
Deed Sale	Dec 2, 2020 · Amount on File
Prior Sale	Aug 26, 2005 · Amount on File
Deed Document Number	2020109220
Deed Book / Page	5113 / 236
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	245 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3784
Transaction Type	Mortgage
Record Updated	Feb 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3784

Mortgage

Document Number	0054900258
Date	Feb 10, 2022
Book Page	5490/258
Instrument	2022014955

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Mar 1, 2042

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Dec 2, 2020
Property Address	245 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3784
Document Number	0051130236
Book / Page	5113 / 236
Map Reference	MB 50 PG 49-58
Instrument Date	Nov 25, 2020
Instrument	2020109220
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	LAND TITLE OF AMERICA INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,394.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	217 CROSSKEYS WAY, 217, WAYNESBORO, VA 22980-8905

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3784

Mortgage

Document Number	5113238
Date	Dec 2, 2020
Instrument	5113/238

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 245 Whisper Ridge Dr was $3,865 with a homeowner's exemption, up 12.8% 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		$309,039 (+2.7%)	$421,492 (-1.85%) Land $85,000 Building $336,492
2025	$3,865.00 (+12.81%) Homeowner's exemption	$300,914	$429,452 Land $80,000 Building $349,452
2024	$3,426.00 (+2.03%)
2023	$3,358.00 (+3.01%) Homeowner's exemption	$283,916 (+3%)	$405,146 (+12.49%) Land $88,088 Building $317,058
2022	$3,260.00 Homeowner's exemption	$275,647	$360,164 Land $72,800 Building $287,364

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

Flood

FEMA maps place 245 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 245 Whisper Ridge Dr is moderate, ranking above 58% of the US, with a 0.1% annual chance of 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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