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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Whisper Ridge, St. Augustine — a home near St. Augustine High School.

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Sold

Sold·Closed Aug 26, 2025·387 days on market·Recent sales in Whisper Ridge·Whisper Ridge

2121 Sandy Branch Place

St. Augustine, FL 32092

$400,000sold priceListed at $438,000 · 91.3% of asking$152/sqftMLS# 2037400
5
Beds
3.5
Baths
2,629
Sq Ft
2006
Built
2
Garage
No
Pool

10 more homes for sale in Whisper Ridge →Search Whisper Ridge on the map

HOA $42/mo8,276 sqft lotSingle Family Residence2 stories

About this home

Whisper Ridge

100-Day Home Warranty coverage available at closing. Welcome to your new sanctuary. This captivating property features a cozy living room with a built-in fireplace, perfect for chilly evenings. Throughout the home, a neutral color paint scheme provides a versatile backdrop for any decor style. In the kitchen, a striking accent backsplash adds character and serves as a focal point. All appliances are stainless steel, combining style with functionality. Retreat to the inviting primary bedroom, graced with a generous walk-in closet, enhancing your organization and storage needs. Indulge in luxury in the primary bathroom, which includes double sinks for added convenience. A jacuzzi tub provides a relaxing retreat after a long day. Outside, a patio invites you to enjoy your morning coffee Overlooking a well-maintained, fenced-in backyard, it offers a secure space for outdoor activities. Don't miss the opportunity to make this extraordinary property your own.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$2,216
Property taxesest. at asking price, St. Johns County$532
HOAbilled semi-annually$42
Estimated total, before insurance$2,790/mo
  • • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
  • • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
  • • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$400,000
$80,000
Loan Term
Monthly Payment
$2,216
Principal & Interest: $2,216
Property taxes (est.): $532
Insurance (est.): $267
Estimated Total Monthly
$3,015
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2006)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,704 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

This Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

Cost to own

Taxes & assessment

2023 property taxes (current owner): $5,345/yr

Estimated taxes if purchased at asking price: ~$6,400/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 1,595 current St. Johns listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll, NEFMLS.

History

Price & status history

  • Jul 16, 2024Listed$438,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $222/sq ft; this home is listed at $167/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2125 Sandy Branch Place, St. Augustine, FL 32092Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDESep 2026$510,000$2224/22,30060
2616 S Waterleaf Drive, St. Augustine, FL 32092Listed by ROUND TABLE REALTYSep 2026$547,500$2344/32,3431530.2
1599 Timber Trace Drive, St. Augustine, FL 32092Listed by FLORIDA HOMES REALTY & MTG LLCJul 2026$400,000$1994/22,006250.2
1560 Timber Trace Drive, St. Augustine, FL 32092Listed by JENSEN REAL ESTATE GROUP LLCApr 2026$380,000$1653/22,3003390.2
2512 N Waterleaf Drive, St. Augustine, FL 32092Listed by ENGEL & VOLKERS ST AUGUSTINENov 2025$585,000$2324/32,52450.2
2612 S Waterleaf Drive, St. Augustine, FL 32092Listed by OAKLEAF EQUITY INCAug 2025$417,000$1963/22,128440.2

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$438,000
Price / Sq Ft$167
Bedrooms5
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage2,629
Acres0.19 acres
Year Built2006
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

Community Information

Address2121 Sandy Branch Place, St. Augustine, FL 32092
Area308-World Golf Village Area-SW
SubdivisionWhisper Ridge
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32092
Lot Size8,276.4 sq ft
Parcel Number0293250340

Amenities

AmenitiesPark
UtilitiesElectricity Connected, Natural Gas Available, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage

Interior

AppliancesOther, Dishwasher, Microwave
HeatingCentral, Natural Gas
CoolingCentral Air
FlooringCarpet, Tile
FireplaceYes
# of Fireplaces1
# of Stories2
LevelsTwo

Exterior

RoofShingle

Additional Information

Date ListedJuly 17, 2024
Days on Market387
HOA Fees$250 / Semi-Annually
HOA FrequencySemi-Annually
HOA NameWhisper Ridge Homeowners Association, Inc
Tax Amount$5,344.55
Tax Year2023
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: OPENDOOR BROKERAGE, LLC.

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Whisper Ridge

Whisper Ridge is a neighborhood in World Golf Village, FL (St. Johns County), ZIP 32092.

View all Whisper Ridge homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Aug 26, 2025. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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