This home is in St. Augustine.

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Active

Active·142 days on market

70 Whispering Brook Drive

St. Augustine, FL 32084

$249,000$225/sqftEst. $1,270/moMLS# 2133691

Beds

Baths

1,109

Sq Ft

2022

Built

—

Garage

Pool

About this home

St. Augustine

Fully furnished turnkey ready townhome! Former model is in the best location here. Only 2 miles to historic downtownSt. Augustine. Beautiful views of the preserves live oak trees with Spanish moss and palms. Sold fully and luxuriously furnished, 2 bedroom 2.5 bath townhome has 1,109 sq ft of well-organized space that has barely been lived in and shows like new! 30 Day Mid-term Rentals allowed! Beautifully maintained low maintenance in Whispering Creek community stands out as a true move-in ready opportunity with a vibrant artistic flair. Designed with a modern Miami-inspired style, the home features colorful décor and thoughtful finishes that make it feel like stepping into a designer model home. The inviting two-story layout offers a welcoming kitchen that opens directly into the living room creating a connected space that works beautifully for both everyday routines and entertaining. The kitchen includes a generous bar that provides extra counter space for meal prep

Cost to own

Mortgage calculator

Home Price

$249,000

Down Payment: 20%

$49,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,270

Principal & Interest: $1,270

Property taxes (est.): $331

Insurance (est.): $166

Estimated Total Monthly

$1,767

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$1,270

Property taxesest. at asking price, St. Johns County$331

HOAbilled quarterly$94

Estimated total, before insurance$1,695/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,180/yr · $348/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

Last sold: $230,000 in August 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$209,239	$209,239	—
2024	$193,285	$193,285	—
2023	$209,742	$200,326	—
2022	$41,440	$41,440	—

2025 property taxes (current owner): $4,180/yr

Estimated taxes if purchased at asking price: ~$4,000/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 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.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 2022)

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

Solar potential: ~1,814 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

Mar 6, 2026Listed$249,000

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

Features

Price$249,000

Price / Sq Ft$225

Bedrooms2

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,109

Total Structure Area1,219 sq ft

Acres0.03 acres

Year Built2022

TypeResidential

Sub-TypeTownhouse

StatusActive

Has PoolNo

Is WaterfrontNo

Direction FacesSouth

School Information

ElementaryCrookshank

MiddleSebastian

HighSt. Augustine

Community Information

Address70 Whispering Brook Drive, St. Augustine, FL 32084

Area336-Ravenswood/West Augustine

SubdivisionWhispering Creek

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32084

Lot Size1,306.8 sq ft

Lot Dimensions15 x 76

Parcel Number1028240030

ZoningPUD

Amenities

UtilitiesCable Available, Cable Connected, Electricity Available, Electricity Connected, Sewer Available, Sewer Connected, Water Available, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingParking Lot

ViewTrees/Woods

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Kitchen Island, Pantry, Primary Bathroom - Tub with Shower, Smart Home, Smart Thermostat, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Microwave, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Upper Level, Washer Hookup

SecuritySmoke Detector(s)