St. Johns County property record for 277 Whisper Ridge Dr, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 2,629 sqft · built 2006 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $555,000 (Nov 2021) |
| Tax Bill | $6,368 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Nov 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 029324-0380 |
| Primary APN | 029324-0380 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 16 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,629 sqft Living Area |
| Gross Area | 3,112 sqft |
| 1st Floor Area | 1,568 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 14,810 sqft (0.34 acres) |
| Garage Type | Attached |
| Garage Area | 483 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 378 sqft |
|---|---|
| Porch | Finished/Open Porch |
| Porch Area | 198 sqft |
| Patio Area | 66 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 277 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 | 53/84-88 WHISPER RIDGE UNIT 6 LOT 38 OR5418/1364 |
| Legal Range | 28E |
| Legal Township | 07S |
| Legal Section | 01 |
| Legal Subdivision | WHISPER RIDGE UNIT 6 |
| Legal Block | 2 |
| Legal Lot Number | 38 |
| Legal Unit | 6 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 20906 |
277 Whisper Ridge Dr is owned and occupied by two individuals who bought it in November 2021.
Source: St. Johns County records, as of April 13, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 277 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3784 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Nov 12, 2021 | Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 12, 2021 · Amount on File |
| Deed Sale | Nov 12, 2021 · Amount on File |
| Prior Sale | Sep 29, 2016 · Amount on File |
| Deed Document Number | 2021123352 |
| Deed Book / Page | 5418 / 1364 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 277 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3784 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Name | Verified Name |
|---|---|
| Address | 277 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3784 |
| Document Number | 0051851415 |
|---|---|
| Date | Feb 22, 2021 |
| Book Page | 5185/1415 |
| Instrument | 2021019415 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Mar 1, 2041 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Nov 12, 2021 |
| Property Address | 277 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3784 |
| Document Number | 0054181364 |
| Book / Page | 5418 / 1364 |
| Map Reference | MB 53 PG 84-88 |
| Instrument Date | Nov 12, 2021 |
| Instrument | 2021123352 |
| Transaction Type | Transfer |
| Record Updated | May 23, 2023 |
| Title Company | ACTION TITLE SERVICES/STATE JOHNS COUNTY, ACTION TTL SVCS OF ST JOHNS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,885.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1901 COUNTY ROAD 13 S, ELKTON, FL 32033-2607 |
| Name | Verified Name |
|---|---|
| Address | 277 WHISPER RIDGE DR, ST AUGUSTINE, FL 32092-3784 |
| Investor | Possibly a Property Investor |
| Document Number | 0054181366 |
|---|---|
| Date | Nov 12, 2021 |
| Instrument | 5418/1366 |
| Name | HOMESTAR FINANCIAL CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
The 2025 property tax bill for 277 Whisper Ridge Dr was $6,368, up 5.6% from the year before.
Source: St. Johns County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $419,542 (-6.37%) Land $85,000 Building $334,542 | $419,542 (-6.37%) Land $85,000 Building $334,542 | |
| 2025 | $6,368.00 (+5.64%) | $448,073 (-2.69%) | $448,073 (-2.69%) Land $100,000 Building $348,073 |
| 2024 | $6,028.00 (+5.85%) | $460,448 (+7.41%) | $460,448 (+7.41%) Land $110,000 Building $350,448 |
| 2023 | $5,695.00 (-4.12%) | $428,670 (-3.84%) | $428,670 (-3.84%) Land $108,416 Building $320,254 |
| 2022 | $5,940.00 | $445,768 | $445,768 Land $89,600 Building $356,168 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 277 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 risk around 277 Whisper Ridge Dr is moderate, ranking above 53% 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 53% of the US · lower than 75% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% 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.
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 |
| 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.
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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