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

St. Johns County property record for 356 Whisper Ridge Dr, Saint Augustine, FL 32092

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,019 sqft · built 2005
Lot Size0.24 acres (10,454 sqft)
OwnerIndividual Name on Record
Last Sale$151,000 (Jun 2010)
Tax Bill$2,025 (2025)
Deeds & MortgagesJan 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN029323-0800

Property Details

APN / Parcel Number

Primary APN029323-0800

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures8 Plumbing Fixtures
Stories1 Story
Building Area2,019 sqft Living Area
Gross Area2,471 sqft
1st Floor Area2,019 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2005
Exterior MaterialConcrete
Construction TypeWood
Foundation TypeConcrete
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area10,454 sqft (0.24 acres)
Garage TypeAttached
Garage Area452 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Open Porch
Porch Area52 sqft
Patio Area120 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address356 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 80 OR3323/650
Legal Range28E
Legal Township07S
Legal Section01
Legal SubdivisionWHISPER RIDGE UNIT 3
Legal Block2
Legal Lot Number80
Legal Unit3
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 shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address356 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3776
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 11, 2010 · Amount on Record
Deed SaleJun 11, 2010 · Amount on Record
Prior SaleFeb 9, 2005 · Amount on Record
Deed Document Number201027727
Deed Book / Page3323 / 650
Prior Transfer DateNov 15, 2005
Prior Transfer Doc0025841283
Record UpdatedOct 29, 2026

January 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOHNS FL
Property Address356 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3776
Document Number0048731968
Instrument DateJan 17, 2020
Transaction TypeMortgage
Record UpdatedFeb 19, 2020
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address356 WHISPER RIDGE DR ST AUGUSTINE FL 320923776, ST AUGUSTINE, FL 32092-3776

Mortgage

Document Number0048731968
DateJan 30, 2020
Book Page004873/001968
Instrument7309
Lender
NameVYSTAR CU
TypeCredit Union
AddressJACKSONVILLE, FL 32210
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJan 29, 2050

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$239,132 (+45.54%)$383,161 (+21.78%) Land $85,000 Building $298,161
2025$2,025.00 (+14.99%) Homeowner's exemption$164,311 (+5.99%)$314,622 (-4.24%) Land $80,000 Building $234,622
2024$1,761.00 (+2.26%)
2023$1,722.00 (+3.8%) Homeowner's exemption$155,029 (+3%)$328,561 (+7.96%) Land $88,088 Building $240,473
2022$1,659.00 Homeowner's exemption$150,514$304,333 Land $72,800 Building $231,533

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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