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

St. Johns County property record for 381 Whisper Ridge Dr, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,007 sqft · built 2005
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$394,000 (Jul 2024)
Tax Bill	$4,323 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Dec 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`029323-1000`

Property Details

APN / Parcel Number

Primary APN	`029323-1000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	2,007 sqft Living Area
Gross Area	2,471 sqft
1st Floor Area	2,007 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

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	464 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	489 sqft
Patio Area	437 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	381 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 100 OR5977/1038
Legal Range	28E
Legal Township	07S
Legal Section	01
Legal Subdivision	WHISPER RIDGE UNIT 3
Legal Block	2
Legal Lot Number	100
Legal Unit	3
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2017
Census Tract	20906

Owner

381 Whisper Ridge Dr is owned and occupied by two individuals who bought it in July 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	381 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3777
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

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
Dec 14, 2022	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 20, 2021	Intrafamily Transfer, Transfer ACCOMMODATION
May 3, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 27, 2017	Warranty Deed, Transfer · Conventional Mortgage VYSTAR CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2024 · Amount on File
Deed Sale	Jul 1, 2024 · Amount on File
Prior Sale	Dec 14, 2022 · Amount on File
Deed Document Number	202451460
Deed Book / Page	5977 / 1038
Prior Transfer Date	Dec 14, 2021
Prior Transfer Doc	0054490310
Record Updated	Oct 29, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Dec 14, 2022
Property Address	381 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3777
Document Number	0056791785
Book / Page	5679 / 1785
Map Reference	MB 50 PG 49-58
Instrument Date	Dec 8, 2022
Instrument	2022112585
Transaction Type	Transfer
Record Updated	Dec 23, 2022
Title Company	PONTE VEDRA TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,772.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	701 ANASTASIA BLVD, ST AUGUSTINE, FL 32080-4615

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2364 S DECATUR ST, DENVER, CO 80219-5920

Mortgage

Document Number	0056791787
Date	Dec 14, 2022
Instrument	5679/1787

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOHNS FL
Recording Date	Dec 20, 2021
Property Address	381 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3777
Document Number	0054490310
Book / Page	5449 / 310
Map Reference	MB 50 PG 49-58
Instrument Date	Dec 14, 2021
Instrument	2021137219
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

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	Family Trust
Address	24 COMARES AVE, ST AUGUSTINE, FL 32080

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	May 3, 2021
Property Address	381 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3777
Document Number	0052540023
Book / Page	5254 / 23
Map Reference	MB 50 PG 49-58
Instrument Date	Apr 30, 2021
Instrument	2021049029
Transaction Type	Transfer
Record Updated	May 14, 2021
Title Company	ACTION TITLE SERVICES/STATE JOHNS COUNTY, ACTION TTL SVCS OF ST JOHNS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,422.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	573 HAGANS CT, 573, FLEMING ISLAND, FL 32003-4537

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	701 ANASTASIA BLVD, SAINT AUGUSTINE, FL 32080-4615

Mortgage

Document Number	525425
Date	May 3, 2021
Instrument	5254/25

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Feb 27, 2017
Property Address	381 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3777
Document Number	0043360997
Book / Page	004336 / 000997
Instrument Date	Feb 24, 2017
Instrument	13865
Transaction Type	Transfer
Record Updated	Mar 9, 2017
Title Company	SOUTHERN CAPE TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,645.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	381 WHISPER RIDGE DR ST AUGUSTINE FL 320923777, ST AUGUSTINE, FL 32092-3777

Mortgage

Document Number	43360998
Date	Feb 27, 2017
Book Page	004336/000998
Instrument	13866

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32232-5085

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 26, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 381 Whisper Ridge Dr was $4,323, down 11.1% 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		$328,538 (-1.92%) Land $85,000 Building $243,538	$328,538 (-1.92%) Land $85,000 Building $243,538
2025	$4,323.00 (-11.12%) Homeowner's exemption	$334,977 (-8.89%)	$334,977 (-8.89%) Land $80,000 Building $254,977
2024	$4,864.00 (+2.62%) Homeowner's exemption	$367,655 (+4.02%)	$367,655 (+4.02%) Land $90,000 Building $277,655
2023	$4,740.00 (+8.22%)	$353,440 (+9.15%)	$353,440 (+9.15%) Land $88,088 Building $265,352
2022	$4,380.00	$323,826	$323,826 Land $72,800 Building $251,026

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

Flood

FEMA maps place 381 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 381 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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