385 Whisper Ridge Dr, Saint Augustine, FL, 32092 | $399,000

Located in the welcoming Whisper Ridge HOA community, 385 Whisper Ridge Drive offers a bright and beautifully maintained setting with thoughtful upgrades, scenic outdoor living, and a spacious split floor plan designed for both comfort and functionality. Built in 2005, this 3-bedroom, 2-bath home features 1, 692 square feet of conditioned living space. A new roof and windows were installed in 2025, and the HVAC system was updated this year, offering both style and peace of mind. Inside, the home feels light, airy, and cohesive, with neutral colors. The light wood-look vinyl flooring running throughout most of the main living areas was installed just 4 years ago. The open floor plan creates a seamless flow between the kitchen, dining, and living spaces, while the wood-burning fireplace adds warmth and definition to the living room. French doors open directly from the living area to the screened pool enclosure, extending the living space outdoors and allowing natural light to pour in. The spacious eat-in kitchen offers an abundance of counter space, stainless steel appliances, and a pantry for additional storage. Just beyond the breakfast nook, the dining room is surrounded by windows that bring in beautiful natural light and provide peaceful views of the back pool lanai, pond and surrounding nature. The owner’s suite serves as a relaxing retreat with two walk-in closets, a double vanity, a separate shower, and a soaking tub. Two additional bedrooms provide comfortable accommodations for guests, additional household space, or the flexibility to create a home office or creative studio. The second bathroom includes a bath and shower combination along with a large vanity and oversized mirror that enhances the sense of openness and light. A large laundry room adds further practicality, featuring storage, shelving and plenty of additional space for organization. Outside, the screened enclosure surrounds a private saltwater pool and spa, both solar heated for year-round enjoyment. Installed in 2016, the pool area offers tranquil views of a scenic pond and a wooded backdrop, creating a peaceful outdoor retreat. The fenced backyard adds privacy and flexibility for recreation, entertaining, or pets, while the full irrigation system helps maintain the landscaping with ease. A spacious driveway complements the two-car garage, offering ample parking and functionality. Altogether, 385 Whisper Ridge Drive combines modern updates, open and inviting interiors, and beautiful outdoor living spaces into a home that feels both comfortable and refined in a serene natural setting.

Features

  • Bedrooms: 3
  • Baths: 2 full
  • Lot Size: 7841
  • Year Built: 2005
  • Approx Sq. Feet: 1,692
  • Acreage: 0.18
  • Lot Size: 7841
  • Est. Taxes: $2,160
  • HOA Fee: $260
  • Elem. School: Mill Creek Elementary
  • MLS#: 262578
  • Days on Market: 20 days
  • Website: https://www.raveis.com
    /prop/262578/385whisperridgedr_saintaugustine_fl?source=qrflyer
Copyright © 2026  St Augustine & St. Johns County Board of REALTORS Realtor® MLS. All rights reserved
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of St Augustine & St. Johns County Board of REALTORS. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
Listing courtesy of GREAT EXPECTATIONS REALTY

William Raveis Family of Services

Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.

Customer Service

888.699.8876

Contact@raveis.com

Our family of companies offer our clients a new level of full-service real estate. We shall:

  • Market your home to realize a quick sale at the best possible price
  • Place up to 20+ photos of your home on our website, raveis.com
  • Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
  • Showcase your home on raveis.com with a larger and more prominent format
  • Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology

To learn more about our credentials, visit raveis.com today.

Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

Pedro.Delgadillo@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

385 Whisper Ridge Dr, Saint Augustine, FL, 32092

$399,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $319,200 $319,200 $319,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.375% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.324% 6.524% 5.846%
Monthly Tax Payment $180 $180 $180
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,888 $1,991 $2,629
Total Monthly Payment $2,143 $2,246 $2,884

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.