This home is in Whisper Ridge, St. Augustine.

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Active

Active·Listed today·Whisper Ridge

212 Whisper Ridge Drive

St. Augustine, FL 32092

$492,500$182/sqftEst. $2,511/moMLS# 2157348

Beds

Baths

2,710

Sq Ft

2005

Built

Garage

Pool

About this home

Whisper Ridge

Welcome to this spacious and versatile 5-bedroom, 3-bathroom home offering over 2,700 square feet of living space, plus an additional 400-square-foot enclosed lanai--creating the perfect setting for year round Florida living and effortless entertaining. Nestled in the established Whisper Ridge community, known for its beautiful mature trees and well-maintained surroundings, this home offers the space and flexibility today's buyers are looking for. Inside, you'll find tile flooring throughout, a formal living room, formal dining room, and a welcoming family room that opens off the expansive kitchen. The kitchen features newer appliances, abundant cabinetry, generous counter space, and a breakfast nook. The spacious primary suite provides a relaxing retreat with a soaking tub, separate shower, split double vanities, and plenty of room to unwind.

Cost to own

Mortgage calculator

Home Price

$492,500

Down Payment: 20%

$98,500

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,511

Principal & Interest: $2,511

Property taxes (est.): $655

Insurance (est.): $328

Estimated Total Monthly

$3,495

*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$2,511

Property taxesest. at asking price, St. Johns County$655

HOAbilled semi-annually$43

Estimated total, before insurance$3,210/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,569/yr · $297/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

2025 property taxes (current owner): $3,569/yr

Estimated taxes if purchased at asking price: ~$7,900/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, NEFMLS.

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: ~1,800 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.

History

Price & status history

Jul 28, 2026Listed$492,500

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

Features

Price$492,500

Price / Sq Ft$182

Bedrooms5

Bathrooms3.00

Full Baths3

Square Footage2,710

Total Structure Area4,341 sq ft

Acres0.27 acres

Year Built2005

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

ElementaryMill Creek Academy

MiddleMill Creek Academy

HighSt. Augustine

Community Information

Address212 Whisper Ridge Drive, St. Augustine, FL 32092

Area308-World Golf Village Area-SW

SubdivisionWhisper Ridge

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size11,761.2 sq ft

Parcel Number0293230410

ZoningPUD

Amenities

AmenitiesManagement - Off Site, Playground

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener, Off Street

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, In-Law Floorplan, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Microwave, Refrigerator, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Sink, Washer Hookup

SecurityClosed Circuit Camera(s), Smoke Detector(s)