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

St. Johns County property record for 369 Whisper Ridge Dr, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,456 sqft · built 2005
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Trust Names on File
Last Sale	$200,000 (Jul 2018)
Tax Bill	$4,027 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Jul 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`029323-0970`

Property Details

APN / Parcel Number

Primary APN	`029323-0970`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,456 sqft Living Area
Gross Area	2,013 sqft
1st Floor Area	1,456 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	437 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	369 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 97 OR4575/1528 & 4997/991(Q/C) &5354/937(Q/C)
Legal Range	28E
Legal Township	07S
Legal Section	01
Legal Subdivision	WHISPER RIDGE UNIT 3
Legal Block	2
Legal Lot Number	97
Legal Unit	3
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2017
Census Tract	20906

Owner

369 Whisper Ridge Dr is owner-occupied and held in a trust since August 2021.

Source: St. Johns County records, as of June 17, 2026

Owner of Record	2 Trust Names on File
Mailing Address	369 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3777
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Aug 27, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage JFQ LENDING INC
Jul 23, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Jul 6, 2018	Warranty Deed, Transfer · Conventional Mortgage FIRST FSB/FL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 2018 · Amount on File
Deed Sale	Jul 6, 2018 · Amount on File
Prior Sale	Nov 30, 2016 · Amount on File
Deed Document Number	201847962
Deed Book / Page	4575 / 1528
Last Transfer Date	Aug 21, 2021
Transfer Doc	0053540937
Record Updated	Sep 20, 2026

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOHNS FL
Recording Date	Aug 27, 2021
Property Address	369 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3777
Document Number	0053540937
Book / Page	5354 / 937
Map Reference	MB 50 PG 49-58
Instrument Date	Aug 21, 2021
Instrument	2021094902
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	SELENE TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	369 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3777

Mortgage

Document Number	5354941
Date	Aug 27, 2021
Instrument	5354/941

Lender

Name	JFQ LENDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jul 23, 2020
Property Address	369 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3777
Document Number	0049970991
Book / Page	004997 / 000991
Instrument Date	Jul 13, 2020
Instrument	59880
Transaction Type	Transfer
Record Updated	Aug 14, 2020
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	160 LEGENDARY DR #206 ST AUGUSTINE FL 320923799, 206, ST AUGUSTINE, FL 32092-3799

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jul 6, 2018
Property Address	369 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3777
Document Number	0045751528
Book / Page	004575 / 001528
Instrument Date	Jul 2, 2018
Instrument	47962
Transaction Type	Transfer
Record Updated	Jul 24, 2018
Title Company	TOWN AND COUNTRY TITLE GUARANTY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,400.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1229 SPENDID RAVINE ST ST AUGUSTINE FL 32092, ST AUGUSTINE, FL 32092

Mortgage

Document Number	45751531
Date	Jul 6, 2018
Book Page	004575/001531
Instrument	47964

Lender

Name	FIRST FSB/FL
Type	Federal Savings Bank
Address	LAKE CITY, FL 32055

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 5, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 369 Whisper Ridge Dr was $4,027, up 8.4% 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		$277,863 (+1.33%) Land $85,000 Building $192,863	$277,863 (+1.33%) Land $85,000 Building $192,863
2025	$4,027.00 (+8.4%)	$274,223	$274,223 Land $80,000 Building $194,223
2024	$3,715.00 (+5.12%)
2023	$3,534.00 (+8.4%)	$288,750 (+8.77%)	$288,750 (+8.77%) Land $88,088 Building $200,662
2022	$3,260.00	$265,475	$265,475 Land $72,800 Building $192,675

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

Flood

FEMA maps place 369 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 369 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.

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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