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

St. Johns County property record for 280 Whisper Ridge Dr, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,006 sqft · built 2005
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on File
Last Sale	$242,000 (Jun 2018)
Tax Bill	$3,956 (2025)
Deeds & Mortgages	Nov 2019 Mortgage Jun 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`029324-0470`

Property Details

APN / Parcel Number

Primary APN	`029324-0470`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	2,006 sqft Living Area
Gross Area	2,910 sqft
1st Floor Area	2,006 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
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	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	36 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	280 WHISPER RIDGE DR
City	SAINT AUGUSTINE
State	FL
Zip	32092-3783
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	53/84-88 WHISPER RIDGE UNIT 6 LOT 47 OR4564/1339
Legal Range	28E
Legal Township	07S
Legal Section	01
Legal Subdivision	WHISPER RIDGE UNIT 6
Legal Block	2
Legal Lot Number	47
Legal Unit	6
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2022
Census Tract	20906

Owner

280 Whisper Ridge Dr is owned and occupied by two individuals who bought it in June 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	280 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3783
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
Nov 6, 2019	Deed of Trust, Mortgage · VA Mortgage USAA
Jun 18, 2018	Warranty Deed, Transfer · VA Mortgage USAA
Jan 24, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2018 · Amount on File
Deed Sale	Jun 18, 2018 · Amount on File
Prior Sale	Mar 21, 2012
Deed Document Number	201842451
Deed Book / Page	4564 / 1339
Prior Transfer Date	Jan 19, 2018
Prior Transfer Doc	0044940361
Record Updated	Oct 29, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	280 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3783
Document Number	0048330057
Instrument Date	Nov 6, 2019
Transaction Type	Mortgage
Record Updated	Nov 28, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	280 WHISPER RIDGE DR ST AUGUSTINE FL 320923783, ST AUGUSTINE, FL 32092-3783

Mortgage

Document Number	0048330057
Date	Nov 18, 2019
Book Page	004833/000057
Instrument	86140

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

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

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jun 18, 2018
Property Address	280 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3783
Document Number	0045641339
Book / Page	004564 / 001339
Instrument Date	Jun 14, 2018
Instrument	42451
Transaction Type	Transfer
Record Updated	Jul 9, 2018
Title Company	ACTION TITLE SERVICES/STATE JOHNS COUNTY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,694.00
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	280 WHISPER RIDGE DR ST AUGUSTINE FL 320923783, ST AUGUSTINE, FL 32092-3783

Mortgage

Document Number	45641341
Date	Jun 18, 2018
Book Page	004564/001341
Instrument	42452

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 17, 2048

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jan 24, 2018
Property Address	280 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3783
Document Number	0044940361
Book / Page	004494 / 000361
Instrument Date	Jan 19, 2018
Instrument	5202
Transaction Type	Transfer
Record Updated	Feb 7, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	280 WHISPER RIDGE DR ST AUGUSTINE FL 320923783, ST AUGUSTINE, FL 32092-3783

Tax Assessment & Valuation

The 2025 property tax bill for 280 Whisper Ridge Dr was $3,956 with a homeowner's exemption, up 54.4% 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		$333,396 (+8.35%)	$415,845 (+2.82%) Land $85,000 Building $330,845
2025	$3,956.00 (+54.41%) Homeowner's exemption	$307,714 (+37.64%)	$404,447 (+14.15%) Land $80,000 Building $324,447
2024	$2,562.00 (+2.11%) Homeowner's exemption	$223,572 (+3%)	$354,306 (+3.53%) Land $90,000 Building $264,306
2023	$2,509.00 (+3.25%) Homeowner's exemption	$217,060 (+3%)	$342,228 (+7.79%) Land $88,088 Building $254,140
2022	$2,430.00 Homeowner's exemption	$210,738	$317,490 Land $72,800 Building $244,690

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

Flood

FEMA maps place 280 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

Wildfire risk around 280 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.

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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