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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.

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Sold

Sold·Closed Apr 24, 2026·339 days on market·Recent sales in Whisper Ridge·Whisper Ridge

1560 Timber Trace Drive

St. Augustine, FL 32092

$380,000sold priceListed at $380,000 · 100% of asking$165/sqftMLS# 2066293
3
Beds
2
Baths
2,300
Sq Ft
2005
Built
2
Garage
No
Pool

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

HOA $43/mo9,583 sqft lotSingle Family Residence1 story

About this home

Whisper Ridge

Seller Financing Available! Beautifully updated 3-bedroom, 2-bath home featuring a dedicated office, cozy den with fireplace, and a bright, spacious Florida room. This move-in ready property offers a functional layout with modern finishes throughout. The updated kitchen and bathrooms provide a fresh, contemporary feel, while the den offers a warm, inviting space to relax by the fire. The Florida room is perfect for entertaining or enjoying year-round sunshine. Conveniently located near I-95 and the St. Augustine Outlet Stores, this home offers easy access to shopping, dining, and everything the area has to offer. Don't miss this versatile and beautifully maintained home!

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$2,105
Property taxesest. at asking price, St. Johns County$506
HOAbilled annually$43
Estimated total, before insurance$2,654/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$5,210/yr · $434/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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$380,000
$76,000
Loan Term
Monthly Payment
$2,105
Principal & Interest: $2,105
Property taxes (est.): $506
Insurance (est.): $253
Estimated Total Monthly
$2,864
*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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$364,354$364,354—
2024$395,162$395,162—
2023$381,510$136,667—
2022$350,626$131,230—
2021$260,060$125,951—
2020$246,289$123,522—

2024 property taxes (current owner): $5,210/yr

Estimated taxes if purchased at asking price: ~$6,100/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 (2025), NEFMLS.

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 $216/sq ft; this home is listed at $165/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1599 Timber Trace Drive, St. Augustine, FL 32092Listed by FLORIDA HOMES REALTY & MTG LLCJul 2026$400,000$1994/22,006250.1
2125 Sandy Branch Place, St. Augustine, FL 32092Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDESep 2026$510,000$2224/22,30060.2
2121 Sandy Branch Place, St. Augustine, FL 32092Listed by OPENDOOR BROKERAGE, LLC.Aug 2025$400,000$1525/3.52,6293870.2
2616 S Waterleaf Drive, St. Augustine, FL 32092Listed by ROUND TABLE REALTYSep 2026$547,500$2344/32,3431530.3
1112 Hawk Watch Circle, St. Augustine, FL 32092Listed by SIGNATURE REALTY ASSOCIATESJul 2026$528,000$2163/22,445430.3
2612 S Waterleaf Drive, St. Augustine, FL 32092Listed by OAKLEAF EQUITY INCAug 2025$417,000$1963/22,128440.3

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$380,000
Price / Sq Ft$165
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage2,300
Acres0.22 acres
Year Built2005
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address1560 Timber Trace Drive, St. Augustine, FL 32092
Area308-World Golf Village Area-SW
SubdivisionWhisper Ridge
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32092
Lot Size9,583.2 sq ft
Parcel Number0293240130

Amenities

UtilitiesSewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage

Interior

Interior FeaturesBreakfast Bar, Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)
AppliancesDishwasher, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Tile, Wood
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Patio / PorchPatio, Rear Porch, Screened
FencingBack Yard
ConstructionStucco

Additional Information

Date ListedJune 23, 2025
Days on Market339
HOA Fees$520 / Annually
HOA FrequencyAnnually
Tax Amount$5,209.92
Tax Year2024
Listing TermsCash, Conventional, FHA, Private Financing Available, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: JENSEN REAL ESTATE GROUP 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 Apr 24, 2026. 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.

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20+ years · 500+ closings · NE Florida

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