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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 Oct 2, 2025·60 days on market·Recent sales in Whisper Ridge·Whisper Ridge

409 Spring Ridge Court

St. Augustine, FL 32092

$395,000sold priceListed at $415,000 · 95.2% of asking$170/sqftMLS# 2093294
4
Beds
2
Baths
2,326
Sq Ft
2005
Built
2
Garage
No
Pool

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

HOA $43/mo13,504 sqft lotSingle Family Residence1 story

About this home

Whisper Ridge

JUST LISTED in Whisper Ridge on the Cul-de-sac! SELLER PAYING 2% towards buyer's closing costs with approved offer (must be written in at time of offer). RENOVATIONS underway with NEW Roof, NEW HVAC system, NEW Water Heater, NEW Exterior Paint, and NEW Interior Paint. Home in great location near restaurants and shopping and less than 15 minutes to downtown St Augustine! Great lot on the cul-de-sac with nice sized private yard. Open floor plan with a huge kitchen. Schedule your showing today!

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$2,188
Property taxesest. at asking price, St. Johns County$526
HOAbilled annually$43
Estimated total, before insurance$2,757/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$4,965/yr · $414/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

$395,000
$79,000
Loan Term
Monthly Payment
$2,188
Principal & Interest: $2,188
Property taxes (est.): $526
Insurance (est.): $263
Estimated Total Monthly
$2,977
*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

2024 property taxes (current owner): $4,965/yr

Estimated taxes if purchased at asking price: ~$6,300/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

  • Jun 13, 2025Listed$415,000

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 $219/sq ft; this home is listed at $178/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1112 Hawk Watch Circle, St. Augustine, FL 32092Listed by SIGNATURE REALTY ASSOCIATESJul 2026$528,000$2163/22,445430.2
182 Saint Kitts Loop, St. Augustine, FL 32092Listed by ASSIST2SELL FULL SERVICE REALTY LLC.Jul 2026$535,000$1974/3.52,7171100.3
20 Tintamarre Drive, St. Augustine, FL 32092Listed by BERKSHIRE HATHAWAY HOMESERVICES, FLORIDA NETWORK REALTYOct 2026$465,000$2193/22,126480.5
124 Tintamarre Drive, St. Augustine, FL 32092Listed by SIGNATURE REALTY ASSOCIATESSep 2026$500,000$2353/22,126230.5
105 Crown Colony Road, St. Augustine, FL 32092Listed by LATITUDE 30 REALTY LLCJul 2026$517,000$2284/32,2641660.5
1599 Timber Trace Drive, St. Augustine, FL 32092Listed by FLORIDA HOMES REALTY & MTG LLCJul 2026$400,000$1994/22,006250.5

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$415,000
Price / Sq Ft$178
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage2,326
Acres0.31 acres
Year Built2005
TypeResidential
Sub-TypeSingle Family Residence
StyleContemporary, Traditional
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

Community Information

Address409 Spring Ridge Court, St. Augustine, FL 32092
Area308-World Golf Village Area-SW
SubdivisionWhisper Ridge
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32092
Lot Size13,503.6 sq ft
Parcel Number0293210060

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Oven, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringVinyl
FireplaceYes
# of Fireplaces1
# of Stories1
LevelsOne

Exterior

Lot DescriptionCul-De-Sac
Patio / PorchCovered, Porch

Additional Information

Date ListedJune 13, 2025
Days on Market60
HOA Fees$520 / Annually
HOA FrequencyAnnually
Tax Amount$4,965.45
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: RE/MAX SPECIALISTS

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 Oct 2, 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.

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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.

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