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

St. Johns County property record for 377 Whisper Ridge Dr, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,112 sqft · built 2005
Lot Size	0.23 acres (10,018 sqft)
Owner	Individual Name on Record
Last Sale	$245,000 (Jul 2017)
Tax Bill	$2,939 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`029323-0990`

Property Details

APN / Parcel Number

Primary APN	`029323-0990`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	2,112 sqft Living Area
Gross Area	2,592 sqft
1st Floor Area	1,080 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

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	10,018 sqft (0.23 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	360 sqft
Patio Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	377 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 99 OR4404/710 & 5021/1536
Legal Range	28E
Legal Township	07S
Legal Section	01
Legal Subdivision	WHISPER RIDGE UNIT 3
Legal Block	2
Legal Lot Number	99
Legal Unit	3
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2017
Census Tract	20906

Owner

Source: St. Johns County records, as of August 12, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	377 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3777
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2026	Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC
Aug 20, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Jul 14, 2017	Warranty Deed, Transfer · Conventional Mortgage RESMAC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 14, 2017 · Amount on Record
Deed Sale	Jul 14, 2017 · Amount on Record
Prior Sale	Mar 24, 2008 · Amount on Record
Deed Document Number	201748519
Deed Book / Page	4404 / 710
Last Transfer Date	Aug 11, 2020
Transfer Doc	0050211536
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Recording Date	Jul 30, 2026
Property Address	377 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3777
Document Number	0000065146
Book / Page	6411 / 311
Instrument Date	Jul 24, 2026
Instrument	202665146
Transaction Type	Mortgage
Record Updated	Aug 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	377 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3777

Mortgage

Document Number	0000065146,
Date	Jul 30, 2026
Book Page	6411/311
Instrument	202665146

Lender

Name	SPRING EQ LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2046

Interest

Rate	6.49%
Max Rate	-1%

August 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOHNS FL
Recording Date	Aug 20, 2020
Property Address	377 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3777
Document Number	0050211536
Book / Page	5021 / 1536
Map Reference	MB 50 PG 49-58
Instrument Date	Aug 11, 2020
Instrument	2020070111
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	PARADISE TTL OF ST AUGUSTINE

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
Address	377 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3777

Mortgage

Document Number	50211538
Date	Aug 20, 2020
Instrument	5021/1538

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jul 14, 2017
Property Address	377 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3777
Document Number	0044040710
Book / Page	004404 / 000710
Instrument Date	Jun 30, 2017
Instrument	48519
Transaction Type	Transfer
Record Updated	Jul 27, 2017
Title Company	LANDMARK TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,715.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	377 WHISPER RIDGE DR ST AUGUSTINE FL 320923777, ST AUGUSTINE, FL 32092-3777

Mortgage

Document Number	44040712
Date	Jul 14, 2017
Book Page	004404/000712
Instrument	48520

Lender

Name	RESMAC
Address	BOCA RATON, FL 33487

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 13, 2047

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		$238,434 (+2.7%)	$318,876 (-0.7%) Land $85,000 Building $233,876
2025	$2,939.00 (+13.56%) Homeowner's exemption	$232,166 (+5.99%)	$321,126 (-4.35%) Land $80,000 Building $241,126
2024	$2,588.00 (+2.09%)
2023	$2,535.00 (+3.3%) Homeowner's exemption	$219,051 (+3%)	$335,724 (+7.77%) Land $88,088 Building $247,636
2022	$2,454.00 Homeowner's exemption	$212,671	$311,532 Land $72,800 Building $238,732

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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