Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in St. Augustine — a home near St. Augustine High School.

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Active

Active·25 days on market

212 Whispering Brook Drive

St. Augustine, FL 32084

$284,000$212/sqftEst. $1,468/moMLS# 2160193

Beds

Baths

1,337

Sq Ft

2023

Built

—

Garage

Pool

About this home

St. Augustine

Welcome to easy living in the desirable Whispering Creek community! Built in 2023, this beautifully maintained 3 bedroom, 2.5 bathroom end-unit townhome offers a spacious open floorplan designed for both everyday comfort and entertaining. The modern kitchen features stainless steel appliances, a pantry for extra storage, and a large center island overlooking the main living space. A convenient half bathroom downstairs is perfect for guests. Head upstairs where the primary bedroom includes an en suite bathroom and is thoughtfully positioned down the hall from the guest bedrooms for added privacy. The two guest bedrooms share a convenient Jack and Jill full bathroom, while the upstairs laundry room adds everyday convenience. Step outside to enjoy the covered rear patio overlooking the fully fenced backyard with privacy fencing along the rear, plus an outdoor storage closet for extra space.

Cost to own

Mortgage calculator

Home Price

$284,000

Down Payment: 20%

$56,800

Interest Rate: 6.71%

Loan Term

Monthly Payment

$1,468

Principal & Interest: $1,468

Property taxes (est.): $378

Insurance (est.): $189

Estimated Total Monthly

$2,035

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, 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 · 6.71% · 30yr$1,468

Property taxesest. at asking price, St. Johns County$378

HOAbilled quarterly$73

Estimated total, before insurance$1,919/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,585/yr · $382/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): $4,585/yr

Estimated taxes if purchased at asking price: ~$4,500/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.

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 2023)

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

Solar potential: ~1,805 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.

History