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

St. Johns County property record for 340 Whisper Ridge Dr, Saint Augustine, FL 32092

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,609 sqft · built 2005
Lot Size0.19 acres (8,276 sqft)
Owner2 Individual Names on Record
Last Sale$173,100 (Jul 2005)
Tax Bill$1,706 (2025)
Deeds & MortgagesNov 2022 Reverse Mortgage
Flood ZoneZone X (minimal risk)
APN029323-0840

Property Details

APN / Parcel Number

Primary APN029323-0840

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures8 Plumbing Fixtures
Stories1 Story
Building Area1,609 sqft Living Area
Gross Area2,617 sqft
1st Floor Area1,609 sqft
FlooringCarpet

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2005
Exterior MaterialConcrete
Construction TypeWood
Foundation TypeConcrete
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area8,276 sqft (0.19 acres)
Garage TypeAttached
Garage Area468 sqft
Parking Spaces2 Parking Spaces
PorchFinished Screened Porch
Porch Area680 sqft
Patio Area612 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address340 WHISPER RIDGE DR
CitySAINT AUGUSTINE
StateFL
Zip32092-3776
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePUD
Legal Description50/49-58 WHISPER RIDGE UNIT 3 LOT 84 OR2488/1363 & 5668/271(Q/C)
Legal SubdivisionWHISPER RIDGE UNIT 3
Legal Block2
Legal Lot Number84
JurisdictionST JOHNS FL
Township / Civil DivisionST. AUGUSTINE
Census Block Group2
Census Block2022
Census Tract20906

Owner

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 Record2 Individual Names on Record
Mailing Address340 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3776
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 19, 2005 · Amount on Record
Deed SaleJul 19, 2005 · Amount on Record
Deed Document Number200557845
Deed Book / Page2488 / 1363
Last Transfer DateNov 10, 2022
Transfer Doc0056680271
Record UpdatedOct 29, 2026

November 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionST JOHNS FL
Recording DateNov 22, 2022
Property Address340 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3776
Document Number0056680271
Book / Page5668 / 271
Map ReferenceMB 50 PG 49-58
Instrument DateNov 10, 2022
Instrument2022106554
Transaction TypeTransfer
Record UpdatedMay 23, 2023
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address340 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3776

Transferred To (Grantee/Buyer)

NameVerified Name
Address340 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3776

Mortgage

Document Number0005668275
DateNov 22, 2022
Instrument5668/275
Lender
NameMUTUAL OF OMAHA MORTGAGE INC
TypeMortgage Company
Agreement
TypeReverse Mortgage
AmountAmount Recorded
Term904 Months
DueMar 15, 2098
Interest
Rate TypeAdjustable Rate
Rate7.36%
AdjustableAdjustable Rate Rider
Type Change DateJan 1, 2023
Change FrequencyMonthly
Index1-Year T-Bill
Max Rate12.3%

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountySt. Johns County
Unified School DistrictSt. Johns County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$170,451 (+2.7%)$307,535 (+0.19%) Land $85,000 Building $222,535
2025$1,706.00 (+18.8%) Homeowner's exemption Senior Citizen's exemption$165,970 (+2.9%)$306,956 (-7.52%) Land $80,000 Building $226,956
2024$1,436.00 (+2.79%) Homeowner's exemption Senior Citizen's exemption$161,293 (+3%)$331,918 (+3.5%) Land $90,000 Building $241,918
2023$1,397.00 (+4.72%) Homeowner's exemption Senior Citizen's exemption$156,595 (+3%)$320,700 (+7.05%) Land $88,088 Building $232,612
2022$1,334.00 Homeowner's exemption Senior Citizen's exemption$152,034$299,566 Land $72,800 Building $226,766

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 74 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies74 in force
Nearby Flood Claims1 (2024)
Claims Outside the SFHA1 of 1
Most Recent ClaimJan 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 RiskModerate
above 46% of the US · lower than 83% of Florida
Wildfire Likelihood0.09% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemSJCU-CR214 MAINLAND WTP
serves 66,953 people · EPA ID FL2554447
Water SourceGroundwater
Last State InspectionAug 2025
LeadUnder 1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting6
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

ProviderMax 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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