This home is in Whisper Ridge, Hilliard — a home near Hilliard Middle-Senior High School.
Active·56 days on market·Whisper Ridge
37450 Whisper Way
Hilliard, FL 32046
9 more homes for sale in Whisper Ridge →Search Whisper Ridge on the map
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Whisper Ridge
Modern, bright, and practically brand-new, this 2023-built home brings together contemporary design and easygoing comfort in a way that feels effortless from the moment you walk through the door. Step inside to an open concept layout that links the living room to the kitchen. Kitchen features granite countertops, breakfast bar, walk-in pantry and space for an eat in kitchen.This three-bedroom home follows a smart split bedroom design that keeps things peaceful. Situated just off the living room, the primary bedroom offers a private escape without feeling worlds away. Inside, you'll enjoy a nice size bedroom and closet. Primary bath features double sinks and a convenient walk in shower. Two additional bedrooms provide flexible space for guests, a home office, or that hobby you keep meaning to start. Inside laundry room that leads to the 2 car garage. Back patio. Low HOA. Community playground. Close proximity to surrounding areas. A rated school district.
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 2023)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,701 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 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): $3,697/yr
Estimated taxes if purchased at asking price: ~$4,800/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, NEFMLS.
History
Price & status history
- Aug 31, 2026Price change$287,000−$8,000
- Aug 20, 2026Listed$295,000
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 $235/sq ft; this home is listed at $237/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 37397 Whisper Way, Hilliard, FL 32046Listed by LGI REALTY - FLORIDA, LLC | Aug 2026 | $345,900 | $225 | 3/2 | 1,536 | 49 | 0.1 |
| 37111 Whippoorwill Court, Hilliard, FL 32046Listed by LGI REALTY - FLORIDA, LLC | Jun 2026 | $292,900 | $235 | 3/2 | 1,249 | 25 | 0.2 |
| 37247 Whisper Way, Hilliard, FL 32046Listed by LGI REALTY - FLORIDA, LLC | Jun 2026 | $295,900 | $237 | 3/2 | 1,247 | 99 | 0.2 |
| 27193 W 14th Avenue, Hilliard, FL 32046Listed by FLORIDA HOMES REALTY & MTG LLC | Aug 2026 | $305,000 | $270 | 3/2 | 1,128 | 7 | 1.8 |
| 272011 Georgia Street, Hilliard, FL 32046Listed by KELLER WILLIAMS FIRST COAST REALTY | Oct 2026 | $320,000 | $230 | 3/2 | 1,392 | 4 | 2.1 |
| 27550 W First Avenue, Hilliard, FL 32046Listed by PIER 21 REALTY LLC | May 2025 | $269,000 | $200 | 3/2 | 1,344 | 197 | 2.1 |
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: FERNANDINA BEACH REALTY
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
More homes in Whisper Ridge
For Sale37135 Whippoorwill CourtHilliard, FL 32046
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For Sale37330 Whisper WayHilliard, FL 32046
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$299,900Est. $1,596/moDiscover modern comfort and small-town charm in the sought-after Whisper Ridge community of Hilliard, Florida. This…
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For Sale37103 Whippoorwill CourtHilliard, FL 32046
3 bd · 2 ba · 1,403 sq ft
$299,900Est. $1,596/moDiscover modern comfort and small-town charm in the sought-after Whisper Ridge community of Hilliard, Florida. This…
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For Sale37119 Whippoorwill CourtHilliard, FL 32046
3 bd · 2 ba · 1,536 sq ft
$314,900Est. $1,676/moThis brand-new construction home, located in the beautiful Whisper Ridge community of Hilliard, Florida, offers 3…
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Explore the area
More in Whisper Ridge
Whisper Ridge guides & reports
Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ 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