This home is in Whispering Creek, St. Augustine.
Active·1 day on market·Whispering Creek
20 Red House Circle
St. Augustine, FL 32084
3 more homes for sale in Whispering Creek →Search Whispering Creek 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
Whispering Creek
Beautiful St. Augustine Townhome with Smart Features along with Energy Star Double Paned Windows and Sliding Door. 3 Bedrooms and 2 full baths upstairs along with 1/2 Bath for convenience downstairs. Solid Service Island in Kitchen with bar stools as well as dining area off kitchen provides ample space for family and entertaining. End Unit allows for More Natural Light and with Open Concept makes this Townhome turnkey and convenient.
Next steps in Whispering Creek
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.
- • 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 A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Shingle — year not disclosed (home built 2022)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,797 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 October 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Mussallem Beachfront Parkabout 3 mi · 48 parking spaces
Closest park or preserve
Twelve Mile Swamp Conservation Areaabout 2 mi · 2.2 mi of trails
Closest public boat ramp
Vilano Public Boat Rampabout 2 mi · Tolomato River / St. Augustine Inlet
Closest kayak & paddleboard launch
Fort Mose Historic State Park – Kayak Launch Dockabout 1 mi · Robinson Creek - Tolomato River
Closest youth league fields
Ketterlinus Gym Community Centerabout 3 mi · Basketball
Closest grocery store
Winn-Dixieabout 0.9 mi · 3551 N Ponce De Leon Blvd, St Augustine
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $236,962 | $236,962 | — |
| 2024 | $219,047 | $219,047 | — |
| 2023 | $237,580 | $237,580 | — |
| 2022 | $41,440 | $41,440 | — |
2024 property taxes (current owner): $4,206/yr
Estimated taxes if purchased at asking price: ~$3,700/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 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 (2025), NEFMLS.
History
Price & status history
- Oct 22, 2026Listed$228,900
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 $187/sq ft; this home is listed at $171/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 79 Red House Circle, St. Augustine, FL 32084Listed by CENTURY 21 LIGHTHOUSE REALTY | Aug 2026 | $207,300 | $187 | 2/2.5 | 1,109 | 18 | 0.1 |
| 106 Plantation Point Drive, St. Augustine, FL 32084Listed by EXIT 1 STOP REALTY | Mar 2026 | $231,500 | $203 | 3/2 | 1,140 | 346 | 0.7 |
| 414 Wooded Crossing Circle, St. Augustine, FL 32084Listed by ANDERSON REALTY | Oct 2026 | $282,000 | $233 | 2/2 | 1,210 | 43 | 1 |
| 205 Wooded Crossing Circle, St. Augustine, FL 32084Listed by LPT REALTY LLC | Oct 2026 | $288,000 | $179 | 3/2.5 | 1,608 | 11 | 1 |
| 510 Florida Club Boulevard 304, St. Augustine, FL 32084Listed by ST AUGUSTINE REALTY | May 2026 | $185,000 | $184 | 2/1 | 1,004 | 118 | 1 |
| 625 Fairway Drive 201, St. Augustine, FL 32084Listed by ST AUGUSTINE REALTY | Apr 2026 | $149,500 | $149 | 2/1 | 1,004 | 272 | 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: NEFLA NETWORK 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 Whispering Creek
Whispering Creek is a neighborhood in St. Augustine, FL (St. Johns County), ZIP 32084.
View all Whispering Creek homes for sale →Keep looking
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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.
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines