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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, Hilliard — a home near Hilliard Middle-Senior High School.

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Sold

Sold·Closed Jun 3, 2026·99 days on market·Recent sales in Whisper Ridge·Whisper Ridge

37247 Whisper Way

Hilliard, FL 32046

$295,900sold priceListed at $304,900 · 97% of asking$237/sqftMLS# 2106072
3
Beds
2
Baths
1,247
Sq Ft
2025
Built
2
Garage
No
Pool

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

HOA $40/mo8,712 sqft lotSingle Family Residence1 storyNew construction

About this home

Whisper Ridge

This beautifully crafted three-bedroom, two-bathroom home offers an inviting open-concept layout that seamlessly blends comfort, function, and style. The spacious great room features large windows that flood the space with natural light, connecting effortlessly to a sleek, modern kitchen with granite countertops, stainless steel appliances, and a large center island—perfect for entertaining or casual family dinners. The master suite is thoughtfully positioned for privacy and boasts a spacious bathroom and a generous walk-in closet. Two additional bedrooms offer flexible space for family, guests, or a home office. Additional features include a separate utility/laundry room, ideal for added convenience, and a two-car garage with ample storage space. Outside, enjoy a private backyard with room to relax, garden, or grill—plus sidewalks and green spaces just steps away as part of this exciting new neighborhood.

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$1,639
Property taxesest. at asking price, Nassau County$408
HOAbilled monthly$40
Estimated total, before insurance$2,087/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$583/yr · $49/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

$295,900
$59,180
Loan Term
Monthly Payment
$1,639
Principal & Interest: $1,639
Property taxes (est.): $409
Insurance (est.): $197
Estimated Total Monthly
$2,245
*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 2025)

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

Solar potential: ~1,636 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

YearMarket valueTaxable valueChange
2025$25,000$25,000—
2024$35,000$35,000—
2023$13,993$10,993—

2024 property taxes (current owner): $583/yr

Estimated taxes if purchased at asking price: ~$4,900/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 435 current Nassau 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 $225/sq ft; this home is listed at $245/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
37111 Whippoorwill Court, Hilliard, FL 32046Listed by LGI REALTY - FLORIDA, LLCJun 2026$292,900$2353/21,249250.1
37397 Whisper Way, Hilliard, FL 32046Listed by LGI REALTY - FLORIDA, LLCAug 2026$345,900$2253/21,536490.2
37123 Marshall Lane, Hilliard, FL 32046Listed by FERNANDINA BEACH REALTYAug 2026$305,000$1893/2.51,618380.8
27193 W 14th Avenue, Hilliard, FL 32046Listed by FLORIDA HOMES REALTY & MTG LLCAug 2026$305,000$2703/21,12871.6
27550 W First Avenue, Hilliard, FL 32046Listed by PIER 21 REALTY LLCMay 2025$269,000$2003/21,3441971.9
37103 Southern Glen Way, Hilliard, FL 32046Listed by RE/MAX BLUE COASTApr 2025$265,000$2103/21,264212.1

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$304,900
Price / Sq Ft$245
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,247
Acres0.20 acres
Year Built2025
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUnder Construction
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes

School Information

ElementaryHilliard
MiddleHilliard

Community Information

Address37247 Whisper Way, Hilliard, FL 32046
Area491-Hillard
SubdivisionWhisper Ridge
CityHilliard
CountyNassau
StateFL
Zip Code32046
Lot Size8,712 sq ft
Parcel Number043N24212100010000
ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener

Interior

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Vinyl
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup
SecuritySmoke Detector(s)

Exterior

RoofShingle
ConstructionFiber Cement, Frame
Road SurfacePaved

Additional Information

Date ListedOctober 9, 2025
Days on Market99
HOA Fees$40 / Monthly
HOA FrequencyMonthly
Tax Amount$583.44
Tax Year2024
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: LGI REALTY - FLORIDA, 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 (Nassau County), ZIP 32046.

View all Whisper Ridge homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jun 3, 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.

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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