This home is in St. Augustine.

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Active

Active·65 days on market

132 Whispering Brook Drive

St. Augustine, FL 32084

$249,000$225/sqftEst. $1,270/moMLS# 2146606

Beds

Baths

1,109

Sq Ft

2022

Built

—

Garage

Pool

About this home

St. Augustine

Welcome to 132 Whispering Brook Dr in St. Augustine, Florida - a like-new townhome built in 2022 that blends modern comfort and convenient living. This move-in ready 2-bedroom, 2.5-bathroom home features a layout designed for everyday living and entertaining. The kitchen flows seamlessly into the dining and living areas, creating an inviting atmosphere. All appliances are included, making your move effortless from day one. Enjoy peaceful mornings and relaxing evenings from the screened-in lanai overlooking a serene pond view -- the perfect private retreat right at home. Ideally located just one minute from St. Augustine High School, approximately 10 minutes to Historic Downtown St. Augustine, and only 15 minutes to Vilano Beach, this home places you close to shopping, dining, and the Florida coastal lifestyle everyone loves. Whether you are searching for a primary residence, second home, or investment opportunity, this beautifully maintained townhome is ready for its next owner.

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$3,147/yr · $262/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: $263,000 in November 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$209,239	$148,168	—
2024	$193,285	$143,285	—
2023	$209,742	$159,742	—
2022	$41,440	$41,440	—

2025 property taxes (current owner): $3,147/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: ~1,816 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