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

St. Johns County property record for 384 Whisper Ridge Dr, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,519 sqft · built 2005
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on File
Last Sale	$425,000 (May 2022)
Tax Bill	$4,129 (2025)
Deeds & Mortgages	Aug 2021 Transfer Nov 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`029323-0760`

Property Details

APN / Parcel Number

Primary APN	`029323-0760`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,519 sqft Living Area
Gross Area	2,141 sqft
1st Floor Area	1,519 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

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	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished Screened Porch
Porch Area	206 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	384 WHISPER RIDGE DR
City	SAINT AUGUSTINE
State	FL
Zip	32092-3776
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	50/49-58 WHISPER RIDGE UNIT 3 LOT 76 OR5554/142
Legal Range	28E
Legal Township	07S
Legal Section	01
Legal Subdivision	WHISPER RIDGE UNIT 3
Legal Block	2
Legal Lot Number	76
Legal Unit	3
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2022
Census Tract	20906

Owner

384 Whisper Ridge Dr is owned and occupied by an individual who bought it in May 2022.

Source: St. Johns County records, as of April 13, 2026

Owner of Record	Individual Name on File
Mailing Address	384 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3776
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

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 10, 2021	Quit Claim Deed, Transfer Quitclaim
Nov 21, 2017	Warranty Deed, Transfer · Conventional Mortgage BAYWAY MORTGAGE GROUP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 9, 2022 · Amount on File
Deed Sale	May 9, 2022 · Amount on File
Prior Sale	Nov 21, 2017 · Amount on File
Deed Document Number	202246941
Deed Book / Page	5554 / 142
Prior Transfer Date	Jun 10, 2021
Prior Transfer Doc	0053391473
Record Updated	Oct 29, 2026

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST JOHNS FL
Recording Date	Aug 10, 2021
Property Address	384 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3776
Document Number	0053391473
Book / Page	5339 / 1473
Map Reference	MB 50 PG 49-58
Instrument Date	Jun 10, 2021
Instrument	2021088266
Transaction Type	Transfer
Record Updated	Aug 2, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	384 WHISPER RIDGE DR, 384, ST AUGUSTINE, FL 32092-3776

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35747 ROAD 728, PALISADE, NE 69040-7012

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Nov 21, 2017
Property Address	384 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3776
Document Number	0044660473
Book / Page	4466 / 0473
Map Reference	MB50 PG49-58
Instrument Date	Nov 17, 2017
Instrument	2017079333
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	384 WHISPER RIDGE DR, 384, SAINT AUGUSTINE, FL 32092-3776

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1425 STATE ROAD 16, SAINT AUGUSTINE, FL 32084-0801

Mortgage

Document Number	2017079334
Date	Nov 21, 2017
Instrument	2017079334

Lender

Name	BAYWAY MORTGAGE GROUP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 384 Whisper Ridge Dr was $4,129, up 0.8% 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		$281,279 (-0.19%) Land $85,000 Building $196,279	$281,279 (-0.19%) Land $85,000 Building $196,279
2025	$4,129.00 (+0.76%)	$281,816	$281,816 Land $80,000 Building $201,816
2024	$4,098.00 (+2.09%)
2023	$4,014.00 (+8.34%)	$296,269 (+9.08%)	$296,269 (+9.08%) Land $88,088 Building $208,181
2022	$3,705.00 Widower's exemption	$271,604	$271,604 Land $72,800 Building $198,804

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

Flood

FEMA maps place 384 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 384 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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