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37386 Whisper Way, Hilliard, FL 32046 Property Records

Nassau County property record for 37386 Whisper Way, Hilliard, FL 32046

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,686 sqft · built 2024
Lot Size0.224 acres (9,765 sqft)
OwnerIndividual Name on Record
Last Sale$337,900 (Sep 2024)
Tax Bill$583 (2024)
Deeds & MortgagesSep 2024 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN04-3N-24-2121-0055-0000

Property Details

APN / Parcel Number

Primary APN04-3N-24-2121-0055-0000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,686 sqft Heated Area
Gross Area2,399 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2024
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area9,765 sqft (0.224 acres)
PorchOpen Porch
Porch Area219 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address37386 WHISPER WAY
CityHILLIARD
StateFL
Zip32046-0049
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePUD
Legal DescriptionLOT 55 WHISPER RIDGE OR 2626/1421
Legal SubdivisionWHISPER RIDGE
Legal Lot Number55
JurisdictionNASSAU FL
Township / Civil DivisionCALLAHAN-HILLIARD
Census Block Group2
Census Block2049
Census Tract50402

Owner

Source: Nassau County records, as of January 26, 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
Co-ownerCo-owner on Record
Mailing Address37386 WHISPER WAY, HILLIARD, FL 32046-0049
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 4, 2024 · Amount on Record
Deed SaleSep 4, 2024 · Amount on Record
Deed Document Number202445025047
Deed Book / Page2735 / 1632
Record UpdatedJun 8, 2026

September 2024: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionNASSAU FL
Recording DateSep 4, 2024
Property Address37386 WHISPER WAY, HILLIARD, FL 32046-0049
Document Number0027351632
Book / Page2735 / 1632
Map ReferenceMB 2626 PG 1421
Instrument DateAug 30, 2024
Instrument202445025047
Transaction TypeSubdivision Related Transfer
Record UpdatedJan 27, 2026
Title CompanyEMPOWER TITLE, EMPOWER TITLE LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,365.30
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1450 LAKE ROBBINS DR # DR430, DR430, THE WOODLANDS, TX 77380-3258

Transferred To (Grantee/Buyer)

NameVerified Name
Address37386 WHISPER WAY, HILLIARD, FL 32046-0049

Mortgage

Document Number202445025048
DateSep 4, 2024
Instrument202445025048
Lender
NameLOANDEPOT.COM LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueSep 1, 2054

Tax Assessment & Valuation

Source: Nassau County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyNassau County
MunicipalityHilliard Town
Unified School DistrictNassau County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025Disabled Person's exemption Veteran's exemption$280,726 (+702.07%) Land $25,000 Building $255,726$280,726 (+702.07%) Land $25,000 Building $255,726
2024$583.00$35,000 Land $35,000$35,000 Land $35,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective January 21, 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 24 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies24 in force

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 52% of the US · lower than 77% of Florida
Wildfire Likelihood0.1% 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 SystemHILLIARD WTP
serves 3,036 people · EPA ID FL2451179
Water SourceGroundwater
Last State InspectionDec 2025
Lead2 ppb (2023)
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 49 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

May also be available: Windstream.

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