St. Johns County property record for 365 Whisper Ridge Dr, Saint Augustine, FL 32092
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,858 sqft · built 2005 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Company Name on File |
| Last Sale | $253,900 (Feb 2007) |
| Tax Bill | $1,997 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 029323-0960 |
| Primary APN | 029323-0960 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,858 sqft Living Area |
| Gross Area | 2,445 sqft |
| 1st Floor Area | 1,858 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Type | Attached |
| Garage Area | 455 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Screened Porch |
| Porch Area | 245 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 365 WHISPER RIDGE DR |
|---|---|
| City | SAINT AUGUSTINE |
| State | FL |
| Zip | 32092-3777 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | 50/49-58 WHISPER RIDGE UNIT 3 LOT 96 OR2873/1245 & 3721/1679(D/C) &3831/819(Q/C) &3896/1143(C/D) |
| Legal Range | 28E |
| Legal Township | 07S |
| Legal Section | 01 |
| Legal Subdivision | WHISPER RIDGE UNIT 3 |
| Legal Block | 2 |
| Legal Lot Number | 96 |
| Legal Unit | 3 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | ST. AUGUSTINE |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 20906 |
365 Whisper Ridge Dr is owned by a company that acquired it in June 2014 and is owner-occupied.
Source: St. Johns County records, as of June 17, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 365 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3777 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 28, 2007 · Amount on File |
| Deed Sale | Feb 28, 2007 · Amount on File |
| Prior Sale | Feb 24, 2005 · Amount on File |
| Deed Document Number | 200713534 |
| Deed Book / Page | 2873 / 1245 |
| Last Transfer Date | Jun 20, 2014 |
| Transfer Doc | 0038961143 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Property Address | 365 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3777 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Name | Verified Name |
|---|---|
| Address | 365 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3777 |
| Document Number | 0053171198 |
|---|---|
| Date | Jul 14, 2021 |
| Book Page | 5317/1198 |
| Instrument | 2021078104 |
| Name | JFQ LENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | SCOTTSDALE, AZ 85256 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Aug 1, 2036 |
The 2025 property tax bill for 365 Whisper Ridge Dr was $1,997 with exemptions applied, up 15.2% 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 | $171,755 (+2.7%) | $313,077 (-0.49%) Land $85,000 Building $228,077 | |
| 2025 | $1,997.00 (+15.17%) Homeowner's exemption Widower's exemption | $167,240 | $314,634 Land $80,000 Building $234,634 |
| 2024 | $1,734.00 (+2.36%) | ||
| 2023 | $1,694.00 (+0.41%) Homeowner's exemption Widower's exemption | $157,793 (+3%) | $329,934 (+7.91%) Land $88,088 Building $241,846 |
| 2022 | $1,687.00 Homeowner's exemption Widower's exemption | $153,197 | $305,736 Land $72,800 Building $232,936 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 365 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 365 Whisper Ridge Dr is moderate, ranking above 46% of the US, with a 0.09% annual chance of 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.
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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