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

St. Johns County property record for 348 Whisper Ridge Dr, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,614 sqft · built 2005
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$79,500 (Oct 2017)
Tax Bill	$1,902 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Sep 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`029323-0820`

Property Details

APN / Parcel Number

Primary APN	`029323-0820`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,614 sqft Living Area
Gross Area	2,365 sqft
1st Floor Area	1,614 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	358 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	348 WHISPER RIDGE DR
City	SAINT AUGUSTINE
State	FL
Zip	32092-3776
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	50/49-58 WHISPER RIDGE UNIT 3 LOT 82 OR3432/1834 & 4446/245(Q/C)
Legal Range	28E
Legal Township	07S
Legal Section	01
Legal Subdivision	WHISPER RIDGE UNIT 3
Legal Block	2
Legal Lot Number	82
Legal Unit	3
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2022
Census Tract	20906

Owner

Source: St. Johns County records, as of April 13, 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	348 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3776
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2021	Deed of Trust, Mortgage · VA Mortgage RP FUNDING INC
Sep 15, 2023	Deed of Trust, Mortgage · Line of Credit VYSTAR CU
Nov 2, 2020	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LOAN SERVICING LLC
Nov 18, 2019	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LN SERVICING
Oct 10, 2017	Quit Claim Deed, Transfer · VA Mortgage RP FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 10, 2017 · Amount on Record
Deed Sale	Oct 10, 2017 · Amount on Record
Prior Sale	May 3, 2011 · Amount on Record
Deed Document Number	201768705
Deed Book / Page	4446 / 245
Prior Transfer Date	Sep 28, 2017
Prior Transfer Doc	0044460245
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	348 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3776
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	348 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3776

Mortgage

Document Number	0053781189
Date	Sep 27, 2021
Book Page	5378/1189
Instrument	2021105321

Lender

Name	RP FUNDING INC
Type	Mortgage Company
Address	LAKE MARY, FL 32746

Agreement

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

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	348 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3776
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	348 WHISPER RIDGE DR, ST AUGUSTINE, FL 32092-3776

Mortgage

Document Number	0058260386
Date	Sep 15, 2023
Book Page	5826/386
Instrument	2023073343

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Oct 1, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	348 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3776
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	348 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3776

Mortgage

Document Number	0050870101
Date	Nov 2, 2020
Book Page	5087/101
Instrument	2020097825

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	348 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3776
Document Number	0048400567
Instrument Date	Nov 18, 2019
Transaction Type	Mortgage
Record Updated	Dec 13, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	348 WHISPER RIDGE DR ST AUGUSTINE FL 320923776, ST AUGUSTINE, FL 32092-3776

Mortgage

Document Number	0048400567
Date	Dec 2, 2019
Book Page	004840/000567
Instrument	89521

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2049

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST JOHNS FL
Recording Date	Oct 10, 2017
Property Address	348 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3776
Document Number	0044460245
Book / Page	4446 / 0245
Map Reference	MB50 PG49-58
Instrument Date	Sep 28, 2017
Instrument	2017068705
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	348 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3776

Mortgage

Document Number	2017068706
Date	Oct 10, 2017
Instrument	2017068706

Lender

Name	RP FUNDING INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Interest

Change Frequency	Quarterly
Index	1-Year CMT

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		$164,533 (+2.7%)	$296,327 (-0.28%) Land $85,000 Building $211,327
2025	$1,902.00 (+15.41%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$160,207 (+2.9%)	$297,164 (-7.67%) Land $80,000 Building $217,164
2024	$1,648.00 (+2.42%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$155,692 (+3%)	$321,855 (+3.48%) Land $90,000 Building $231,855
2023	$1,609.00 (+4.01%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$151,157 (+3%)	$311,040 (+8.37%) Land $88,088 Building $222,952
2022	$1,547.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$146,754	$287,022 Land $72,800 Building $214,222

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
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 46% of the US · lower than 83% of Florida
Wildfire Likelihood	0.09% 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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