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

St. Johns County property record for 385 Whisper Ridge Dr, Saint Augustine, FL 32092

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,692 sqft · built 2005
Lot Size	0.18 acres (7,840 sqft)
Owner	2 Individual Names on File
Last Sale	$395,000 (Jul 2026)
Tax Bill	$2,160 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Apr 2024 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`029322-0760`

Property Details

APN / Parcel Number

Primary APN	`029322-0760`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,692 sqft Living Area
Gross Area	2,086 sqft
1st Floor Area	1,692 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
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,840 sqft (0.18 acres)
Garage Type	Attached
Garage Area	394 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Area	312 sqft
Porch	Finished/Open Porch
Porch Area	53 sqft
Patio Area	720 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	385 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	49/50-54 WHISPER RIDGE UNIT 2 LOT 76 OR3320/637 & 5934/1894(L/E)
Legal Range	28E
Legal Township	07S
Legal Section	01
Legal Subdivision	WHISPER RIDGE UNIT 2
Legal Block	2
Legal Lot Number	76
Legal Unit	2
Jurisdiction	ST JOHNS FL
Township / Civil Division	ST. AUGUSTINE
Census Block Group	2
Census Block	2017
Census Tract	20906

Owner

385 Whisper Ridge Dr is owned and occupied by two individuals who bought it in July 2026.

Source: St. Johns County records, as of July 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2356 FOLEY PARK ST, SNELLVILLE, GA 30078-2864
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Jul 6, 2026	Warranty Deed, Transfer · FHA Mortgage LOANPEOPLE LLC
Apr 19, 2024	Gift Deed, Transfer ACCOMODATION, ACCOMMODATION
Jul 19, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 2026 · Amount on File
Deed Sale	Jul 6, 2026 · Amount on File
Prior Sale	Jun 3, 2010 · Amount on File
Deed Document Number	202657259
Deed Book / Page	6395 / 1604
Prior Transfer Date	Apr 18, 2024
Prior Transfer Doc	0059341894
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Jul 6, 2026
Property Address	385 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3777
Document Number	0000057259
Book / Page	6395 / 1604
Instrument Date	Jun 29, 2026
Instrument	202657259
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$279,265.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2356 FOLEY PARK ST, SNELLVILLE, GA 30078-2864

Mortgage

Document Number	0000057260,
Date	Jul 6, 2026
Instrument	202657260

Lender

Name	LOANPEOPLE LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Max Rate	-1%

April 2024: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	ST JOHNS FL
Recording Date	Apr 19, 2024
Property Address	385 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3777
Document Number	0059341894
Book / Page	5934 / 1894
Map Reference	MB 49 PG 50-54
Instrument Date	Apr 18, 2024
Instrument	2024029633
Transaction Type	Transfer
Record Updated	May 6, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	385 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3777

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	385 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3777

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	385 WHISPER RIDGE DR, SAINT AUGUSTINE, FL 32092-3777
Document Number	0045861470
Instrument Date	Jul 19, 2018
Transaction Type	Mortgage
Record Updated	Aug 7, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	385 WHISPER RIDGE DR ST AUGUSTINE FL 320923777, ST AUGUSTINE, FL 32092-3777

Mortgage

Document Number	0045861470
Date	Jul 27, 2018
Book Page	004586/001470
Instrument	53890

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 26, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 385 Whisper Ridge Dr was $2,160 with a homeowner's exemption, up 14.7% 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		$179,058 (+2.7%)	$350,698 (+0.54%) Land $85,000 Building $265,698
2025	$2,160.00 (+14.71%) Homeowner's exemption	$174,351	$348,805 Land $80,000 Building $268,805
2024	$1,883.00 (+2.23%)
2023	$1,842.00 (+3.66%) Homeowner's exemption	$164,502 (+3%)	$322,051 (+7.5%) Land $88,088 Building $233,963
2022	$1,777.00 Homeowner's exemption	$159,711	$299,581 Land $72,800 Building $226,781

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 385 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 385 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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