This home is in Whisper Ridge, Hilliard.

1 / 11

Active

Active·190 days on market·Whisper Ridge

37119 Whippoorwill Court

Hilliard, FL 32046

$350,900$228/sqftEst. $1,868/moMLS# 2123713

Beds

Baths

1,536

Sq Ft

2025

Built

Garage

Pool

About this home

Whisper Ridge

This brand-new construction home, located in the beautiful Whisper Ridge community of Hilliard, Florida, offers 3 bedrooms, 2 bathrooms, and approximately 1,536 square feet of thoughtfully designed living space. Step inside to an open-concept layout filled with natural light. The spacious family room flows seamlessly into the beautifully upgraded kitchen, featuring elegant white cabinetry and granite countertops. The home also features a charming breakfast nook, and a separate dining area provides added flexibility for hosting holidays, dinner parties, or special occasions. The split-bedroom floor plan offers privacy and comfort, with the spacious owner's suite serving as a relaxing retreat complete with an en-suite bathroom and generous closet space. Step outside to the covered back patio, perfect for grilling, and unwinding after a long day. This move-in ready home combines affordability and style. Schedule your private tour today before this opportunity is gone!

Cost to own

Mortgage calculator

Home Price

$350,900

Down Payment: 20%

$70,180

Interest Rate: 6.49%

Loan Term

Monthly Payment

$1,772

Principal & Interest: $1,772

Est. Taxes & Insurance: $443

Estimated Total Monthly

$2,216

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$1,868

Property taxesest. at asking price, Nassau County$484

HOAbilled monthly$60

Estimated total, before insurance$2,412/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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: ~$5,800/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: material not specified — year not disclosed (home built 2025)

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

Solar potential: ~1,619 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History