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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, St. Augustine — a pool home in St. Johns County.

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Sold

Sold·Closed Jul 6, 2026·35 days on market·Recent sales in Whisper Ridge·Whisper Ridge

273 Whisper Ridge Drive

St. Augustine, FL 32092

$490,000sold priceListed at $495,000 · 99% of asking$267/sqftMLS# 2140791
3
Beds
2
Baths
1,833
Sq Ft
2005
Built
2
Garage
Yes
Pool

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

HOA $44/mo14,810 sqft lotSingle Family Residence1 story

About this home

Whisper Ridge

Welcome to 273 Whisper Ridge Drive in St. Augustine, FL--an impeccably maintained 3-bedroom, 2-bath home on a rare .34-acre lot with a private lake view, screened-in heated pool, and no CDD fee. Built by Richmond American Homes, this light-filled, open-concept home features 1,833 square feet of thoughtfully designed living space with arched doorways, tray ceilings, and abundant windows that bring in natural light. The spacious primary suite offers a relaxing sitting area, dual closets, and a beautifully updated bathroom with a remodeled shower and spa-like features. The kitchen and living areas flow seamlessly, making this home perfect for everyday living and entertaining.

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$2,714
Property taxesest. at asking price, St. Johns County$652
HOAbilled annually$44
Estimated total, before insurance$3,410/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,526/yr · $211/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

$490,000
$98,000
Loan Term
Monthly Payment
$2,714
Principal & Interest: $2,714
Property taxes (est.): $652
Insurance (est.): $327
Estimated Total Monthly
$3,693
*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 2005)

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

Solar potential: ~1,732 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$401,663$150,796—
2024$410,842$145,839—
2023$378,436$140,135—
2022$349,654$134,597—
2021$267,374$129,220—
2020$256,753$126,746—

2025 property taxes (current owner): $2,526/yr

Estimated taxes if purchased at asking price: ~$7,800/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 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.

History

Price & status history

  • Jul 7, 2026Closed$495,000

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

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 $222/sq ft; this home is listed at $270/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2125 Sandy Branch Place, St. Augustine, FL 32092Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDESep 2026$510,000$2224/22,30060.2
1599 Timber Trace Drive, St. Augustine, FL 32092Listed by FLORIDA HOMES REALTY & MTG LLCJul 2026$400,000$1994/22,006250.2
37 Saba Lane, St. Augustine, FL 32092Listed by HERRON REAL ESTATE LLCMay 2026$430,000$2023/22,12670.2
347 Tintamarre Drive, St. Augustine, FL 32092Listed by REALTY PROFESSIONALS OF NE FLORIDASep 2026$402,500$1994/32,027960.3
124 Tintamarre Drive, St. Augustine, FL 32092Listed by SIGNATURE REALTY ASSOCIATESSep 2026$500,000$2353/22,126230.3
2616 S Waterleaf Drive, St. Augustine, FL 32092Listed by ROUND TABLE REALTYSep 2026$547,500$2344/32,3431530.3

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$495,000
Price / Sq Ft$270
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,833
Acres0.34 acres
Year Built2005
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
Has PoolYes
Pool FeaturesIn Ground, Screen Enclosure
Is WaterfrontNo

Community Information

Address273 Whisper Ridge Drive, St. Augustine, FL 32092
Area308-World Golf Village Area-SW
SubdivisionWhisper Ridge
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32092
Lot Size14,810.4 sq ft
Parcel Number0293240390

Amenities

AmenitiesPlayground
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic, Well
ParkingGarage
ViewLake

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), His and Hers Closets, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower
AppliancesDishwasher, Dryer, Electric Oven, Microwave, Refrigerator, Washer
HeatingCentral, Electric
CoolingAttic Fan
FlooringCarpet, Tile, Vinyl
# of Stories1
LevelsOne
LaundryIn Unit

Exterior

Patio / PorchScreened
RoofShingle
ConstructionFrame
Road SurfaceAsphalt

Additional Information

Date ListedApril 18, 2026
Days on Market35
HOA Fees$525 / Annually
HOA FrequencyAnnually
Tax Amount$2,526.34
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: ONE SOTHEBY'S INTERNATIONAL REALTY

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 (St. Johns County), ZIP 32092.

View all Whisper Ridge homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jul 6, 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.

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