Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Whisper Ridge, Hilliard.

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Active·236 days on market·Whisper Ridge

37330 Whisper Way

Hilliard, FL 32046

$299,900$214/sqftEst. $1,542/moMLS# 2123704

Beds

Baths

1,403

Sq Ft

2025

Built

Garage

Pool

About this home

Whisper Ridge

Discover modern comfort and small-town charm in the sought-after Whisper Ridge community of Hilliard, Florida. This brand-new 3-bedroom, 2-bath home offers the perfect blend of style, functionality, and everyday convenience. Step inside to an open-concept layout designed for both entertaining and daily living. The spacious kitchen serves as the heart of the home, featuring a large center island, stunning granite countertops, and beautiful white cabinetry. Natural light flows throughout the main living areas, creating a bright and welcoming atmosphere. The private owner's suite offers a peaceful retreat with a spacious en-suite bathroom and generous closet space. Located in the growing Whisper Ridge community, residents will enjoy access to a future community park while being conveniently close to local schools, shopping, dining, and an easy commute to Jacksonville and surrounding areas. Don't miss your opportunity to own a beautiful new home in one of Hilliard's newest communities!

Cost to own

Mortgage calculator

Home Price

$299,900

Down Payment: 20%

$59,980

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,542

Principal & Interest: $1,542

Property taxes (est.): $414

Insurance (est.): $200

Estimated Total Monthly

$2,156

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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

True monthly cost

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

Principal & interest20% down · 6.66% · 30yr$1,542

Property taxesest. at asking price, Nassau County$414

HOAbilled monthly$60

Estimated total, before insurance$2,016/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$25,000	$25,000	—
2024	$35,000	$35,000	—
2023	$13,993	$11,002	—

2025 property taxes (current owner): $416/yr

Estimated taxes if purchased at asking price: ~$5,000/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.

Storms & insurance

Florida Reality Check

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

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

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

Hurricane evacuation zone K

Check floridadisaster.org/knowyourzone for what this designation means locally.

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: ~1,519 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

As of July 2026, 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.

History