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This home is in Whisper Ridge, St. Augustine — a pool home in St. Johns County.

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Active Under Contract

Active Under Contract·175 days on market·Whisper Ridge

2616 S Waterleaf Drive

St. Augustine, FL 32092

$569,500$243/sqftEst. $2,931/moMLS# 2130913

Beds

Baths

2,343

Sq Ft

2006

Built

Garage

Yes

Pool

About this home

Whisper Ridge

Room for everyone, space for everything, and a backyard made for making memories. This St. Augustine home offers a rare blend of space, privacy, and refined coastal living. Set on an oversized cul-de-sac lot, the .33-acre property boasts a massive backyard with a screened lanai, pool, hot tub, and fenced yard. A wooden sitting deck is perfect for entertaining, while the split floor plan lets in abundant natural light, and the sunroom adds 190 sq. ft. of extra living space. Inside, you'll find granite kitchen countertops, stainless steel appliances, and updated bathrooms. LVP flooring creates a seamless flow throughout, and a private study with glass doors makes working from home effortless. The second-floor bedroom is large enough to serve as a second owner's suite. Located near top-rated schools with easy commuting access--and no CDD--this home delivers both convenience and tranquility. Don't miss the chance to own a property with unparalleled outdoor living on a truly unique lot.

Cost to own

Mortgage calculator

Home Price

$569,500

Down Payment: 20%

$113,900

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,931

Principal & Interest: $2,931

Property taxes (est.): $758

Insurance (est.): $380

Estimated Total Monthly

$4,068

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$2,931

Property taxesest. at asking price, St. Johns County$758

HOAbilled annually$50

Estimated total, before insurance$3,739/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,286/yr · $274/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).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$455,411	$207,182	—
2024	$463,510	$200,636	—
2023	$431,883	$193,336	—
2022	$401,022	$186,249	—
2021	$306,702	$179,368	—
2020	$290,984	$176,201	—

2025 property taxes (current owner): $3,286/yr

Estimated taxes if purchased at asking price: ~$9,100/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.

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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2006)

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

Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts

County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,771 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

Price & status history

Jul 24, 2026Active Under Contract$569,500
Feb 19, 2026Listed$569,500

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$569,500

Price / Sq Ft$243

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,343

Acres0.33 acres

Year Built2006

TypeResidential

Sub-TypeSingle Family Residence

StatusActive Under Contract

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Fenced, Screen Enclosure

Is WaterfrontNo

Community Information

Address2616 S Waterleaf Drive, St. Augustine, FL 32092

Area308-World Golf Village Area-SW

SubdivisionWhisper Ridge

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size14,374.8 sq ft

Parcel Number0293250810

Amenities

AmenitiesPlayground

UtilitiesElectricity Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

ViewPool

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Entrance Foyer, Guest Suite, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Electric Cooktop, Electric Range, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile, Vinyl

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories2

LevelsTwo

LaundryLower Level

Spa FeaturesIn Ground