This home is in Whisper Ridge, Hilliard — a home near Hilliard Middle-Senior High School.
Sold·Closed Aug 25, 2026·49 days on market·Recent sales in Whisper Ridge·Whisper Ridge
37397 Whisper Way
Hilliard, FL 32046
10 more homes for sale in Whisper Ridge →Search Whisper Ridge on the map
About this home
Whisper Ridge
Step into modern comfort and timeless style with this beautifully crafted brand-new single-story home nestled in a vibrant new community. Featuring 3 spacious bedrooms and 2 full bathrooms, this home is designed for effortless living and contemporary appeal. The heart of the home is the open-concept living area, where the living room, dining space, and kitchen flow seamlessly together, creating the perfect setting for both everyday living and entertaining. The kitchen boasts sleek finishes, brand-new stainless steel appliances, and a charming breakfast nook ideal for your morning coffee or casual meals with the family. The primary suite includes a walk-in closet and a private en-suite bathroom with modern fixtures and thoughtful design. Outside, you'll find a two-car garage with ample storage space, along with a freshly landscaped yard ready for your personal touch. Located in a growing community, this home offers nearby parks, and convenient access to schools, shopping, and dining.
Next steps in Whisper Ridge
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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: Shingle — year not disclosed (home built 2024)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,623 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 homeAs 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $262,639 | $262,639 | — |
| 2024 | $35,000 | $35,000 | — |
| 2023 | $13,993 | $11,002 | — |
2025 property taxes (current owner): $4,371/yr
Estimated taxes if purchased at asking price: ~$5,700/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.
History
Price & status history
- Aug 25, 2026Closed$345,900
- Jul 7, 2026Listed$345,900
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 $197/sq ft; this home is listed at $225/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 37127 Whippoorwill Court, Hilliard, FL 32046Listed by LGI REALTY - FLORIDA, LLC | Jun 2026 | $363,900 | $197 | 4/2 | 1,847 | 172 | 0.1 |
| 37111 Whippoorwill Court, Hilliard, FL 32046Listed by LGI REALTY - FLORIDA, LLC | Jun 2026 | $292,900 | $235 | 3/2 | 1,249 | 25 | 0.1 |
| 37247 Whisper Way, Hilliard, FL 32046Listed by LGI REALTY - FLORIDA, LLC | Jun 2026 | $295,900 | $237 | 3/2 | 1,247 | 99 | 0.2 |
| 37123 Marshall Lane, Hilliard, FL 32046Listed by FERNANDINA BEACH REALTY | Aug 2026 | $305,000 | $189 | 3/2.5 | 1,618 | 38 | 0.7 |
| 151088 County Road 108, Hilliard, FL 32046Listed by EXP REALTY LLC | May 2026 | $225,000 | $121 | 3/2.5 | 1,860 | 7 | 1.1 |
| 37204 W Third (Includes Adjacent Lot) Street, Hilliard, FL 32046Listed by EXP REALTY LLC | Jun 2026 | $300,000 | $178 | 3/2 | 1,690 | 47 | 1.2 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: LGI REALTY - FLORIDA, LLC
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 (Nassau County), ZIP 32046.
View all Whisper Ridge homes for sale →Keep looking
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Aug 25, 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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines