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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 Sep 22, 2026·6 days on market·Recent sales in Whisper Ridge·Whisper Ridge

2125 Sandy Branch Place

St. Augustine, FL 32092

$510,000sold priceListed at $519,000 · 98.3% of asking$222/sqftMLS# 2159460
4
Beds
2
Baths
2,300
Sq Ft
2006
Built
2
Garage
Yes
Pool

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

FEMA Zone XHOA $43/mo8,712 sqft lotWaterfrontSingle Family Residence1 story

About this home

Whisper Ridge

Welcome to this meticulously maintained home in Whisper Ridge. A paver driveway welcomes you to this brick-front, single-story home featuring four bedrooms, two baths and approximately 2,300 square feet, all situated on a peaceful pond. Inside, you'll find a sitting room and formal dining room upon entry. The kitchen overlooks a breakfast nook and spacious living room. Sliding glass doors lead to a screened-in saltwater pool with beautiful pond views. Spacious primary suite features two walk-in closets and a custom barn door leading to the bath. Systems and appliances are newer or have been very well maintained. Additional upgrades include automated blinds, central vac, custom pantry door, paver driveway, garage screen door and a second screen within the pool enclosure that creates a cooler, shaded dining space, sprinkler system on a well, garage floor coating, gutters, custom beautiful woodworking and trim -plus many more thoughtful features throughout!

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$2,825
Property taxesest. at asking price, St. Johns County$679
HOAbilled semi-annually$43
Estimated total, before insurance$3,547/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,720/yr · $227/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

$510,000
$102,000
Loan Term
Monthly Payment
$2,825
Principal & Interest: $2,825
Property taxes (est.): $679
Insurance (est.): $340
Estimated Total Monthly
$3,844
*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.

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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified — year not disclosed (home built 2006)

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

Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts

County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,735 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 August 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

2025 property taxes (current owner): $2,720/yr

Estimated taxes if purchased at asking price: ~$8,100/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.

History

Price & status history

  • Sep 22, 2026Closed$519,000
  • Aug 27, 2026Active Under Contract$519,000
  • Aug 21, 2026Active$519,000
  • Aug 10, 2026Listed$519,000

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 $232/sq ft; this home is listed at $226/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2121 Sandy Branch Place, St. Augustine, FL 32092Listed by OPENDOOR BROKERAGE, LLC.Aug 2025$400,000$1525/3.52,6293870
2616 S Waterleaf Drive, St. Augustine, FL 32092Listed by ROUND TABLE REALTYSep 2026$547,500$2344/32,3431530.2
1599 Timber Trace Drive, St. Augustine, FL 32092Listed by FLORIDA HOMES REALTY & MTG LLCJul 2026$400,000$1994/22,006250.2
273 Whisper Ridge Drive, St. Augustine, FL 32092Listed by ONE SOTHEBY'S INTERNATIONAL REALTYJul 2026$490,000$2673/21,833350.2
1560 Timber Trace Drive, St. Augustine, FL 32092Listed by JENSEN REAL ESTATE GROUP LLCApr 2026$380,000$1653/22,3003390.2
2512 N Waterleaf Drive, St. Augustine, FL 32092Listed by ENGEL & VOLKERS ST AUGUSTINENov 2025$585,000$2324/32,52450.2

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

Price$519,000
Price / Sq Ft$226
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage2,300
Acres0.20 acres
Year Built2006
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages2
Has PoolYes
Pool FeaturesIn Ground, Salt Water, Screen Enclosure, Solar Heat, Waterfall
Is WaterfrontYes

Community Information

Address2125 Sandy Branch Place, St. Augustine, FL 32092
Area308-World Golf Village Area-SW
SubdivisionWhisper Ridge
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32092
Lot Size8,712 sq ft
Parcel Number0293250350
ZoningResidential

Amenities

UtilitiesElectricity Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage
Waterfront TypePond

Interior

Interior FeaturesCeiling Fan(s), Central Vacuum, Split Bedrooms
AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Microwave
HeatingElectric
CoolingCentral Air
FlooringCarpet, Tile
# of Stories1
LevelsOne
SecuritySecurity System Owned

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear

Additional Information

Date ListedAugust 21, 2026
Days on Market6
HOA Fees$260 / Semi-Annually
HOA FrequencySemi-Annually
Tax Amount$2,719.8
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE

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 Sep 22, 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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