Derek Perez
$249,0002 bd2.5 ba1,109 sqft$225 /sqft$2,178 /mo all-in ↓

70 WHISPERING BROOK DRIVE, ST AUGUSTINE, FL, 32084

Active28 days on marketListed Jun 22, 2026MLS #FC319361

Priced 26% below the ST AUGUSTINE 32084 medianFully furnishedTownhouseWHISPERING CRK

About this home

70 WHISPERING BROOK DRIVE

Fully furnished turnkey ready townhome! Former model is in the best location here. Only 2 miles to historic downtown St. Augustine. Beautiful views of the preserves live oak trees with Spanish moss and palms. Sold fully and luxuriously furnished, 2 bedroom 2.5 bath townhome has 1,109 sq ft of well-organized space that has barely been lived in and shows like new! 30 Day Mid-term Rentals allowed! Beautifully maintained low maintenance in Whispering Creek community stands out as a true move-in ready opportunity with a vibrant artistic flair. Designed with a modern Miami-inspired style, the home features colorful décor and thoughtful finishes that make it feel like stepping into a designer model home. The inviting two-story layout offers a welcoming kitchen that opens directly into the living room creating a connected space that works beautifully for both everyday routines and entertaining. The kitchen includes a generous bar that provides extra counter space for meal prep, casual dining, or hosting guests while you cook. Sliding glass doors fill the living area with natural light, brightening the home and enhancing the sense of openness throughout the day. Custom shiplap siding both in living and kitchen bar adds a casual and soothing design touch. Upstairs, the primary bedroom offers a relaxing escape with a spacious walk-in closet and a well-appointed bathroom with a large vanity. Upstairs, you'll find two spacious bedrooms, each with walk-in closets and ceiling fans, offering comfort and functionality. All bedrooms are located on the second level, creating a private retreat separate from the main living areas. Step outside to a peaceful and private backyard that faces a private wooded area, perfect for relaxing or enjoying the natural surroundings. The yard includes a half wooden privacy fence, and the community allows fully fenced yards. Investors will also appreciate that monthly rentals are permitted. Residents of Whispering Creek enjoy a low-maintenance lifestyle with lawn care and landscaping included, along with assigned parking and guest spaces. The community also features sidewalks, scenic ponds, and a central mailbox area, creating a welcoming neighborhood environment. Front of community offers a retail center with restaurants and shops! Extremely good location next to St Augustine High School, 2 miles to historic downtown and 4 miles to famed Vilano Beach. Jacksonville Int’l Airport is only 45 miles away. You'll have easy access to dining, shopping, and coastal living. Whether you're searching for a primary residence, vacation getaway, or investment property, this stylish, turnkey townhome is ready to enjoy from day one. Equipped with smart home technology, allowing remote control of features such as entry access, air conditioning, and the alarm system (ATT service activation required). Pets allowed with restrictions. There is nothing quite like this furnished property in the entire area at this price. Come see it...

Facts & features

The home at a glance

2

Bedrooms

2.5

Bathrooms

1,109

Sqft

0.03 ac

Lot size

2022

Year built

Two

Levels

$225

Per sqft

Trees/Woods viewFurnishedPets allowed

Inside

FlooringCarpet · Tile
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Kitchen/Family Room Combo · Open Floorplan · PrimaryBedroom Upstairs · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Closet
CoolingCentral Air
HeatingCentral · Electric
FurnishedFurnished

Outside & construction

RoofShingle
ConstructionCement Siding
FoundationSlab
ViewTrees/Woods
FacesSouth
ExteriorIrrigation System · Lighting · Sidewalk · Sliding Doors · Storage

Community & fees

HOA fee$94/mo
Taxes (2025)$4,180/yr
PetsYes
CommunityCommunity Mailbox · Irrigation-Reclaimed Water · Sidewalks

Utilities & systems

UtilitiesCable Available · Cable Connected · Electricity Available · Electricity Connected · Sewer Available · Sewer Connected · Sprinkler Well · Street Lights · Water Available · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.

$2,178 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,466
FHA mortgage insurance (est.)$110
Property tax — 2025 actual bill$348
HOA fee — from the listing$94
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $8,715Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $8,715
Interest rate6.00%
Loan term

Estimated payment

$2,178/mo

Principal & interest$1,466
FHA mortgage insurance (est.)$110
Property taxes (actual bill)$348
HOA / condo fee$94
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Value check

Is the price right?

The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.

List $249K
$228KedgeAI estimate $251,114 · range $238K$267K$278K

vs edgeAI estimate

−0.8%

$/sqft vs St Augustine actives

$225 vs $241

Days on market

28 vs 39 typical

Where $225/sqft sits among the 181 St Augustine actives

90 · this home
37
14
14
8
18
$178–241$241–304$304–366$366–429$429–492$492+

The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.

Where it sits

Inside St Augustine

Map of 70 WHISPERING BROOK DRIVE

Get to know St Augustine. See the full St Augustine guide →

ST AUGUSTINE 32084 — neighborhood snapshot

Population

36,998

Median age

43.9

Median income

$72,965

Median home value

$295,000

Avg household

2.43

Households w/ children

3,332

For the school run

St. Johns County School District

HighSt. Augustine High School★★★★
HighFirst Coast Technical College
MiddleSebastian Middle School★★★★
ElementaryCrookshank Elementary School★★★★★
Mky- Head Start /Dpp Pk School

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The St Augustine market

Seller’s marketSeller’s market2.9 months of inventoryBuyer’s market

$450K$400K

St Augustine median sold, yr/yr

96.9%

Sale-to-list ratio (12 mo)

76 of 181

St Augustine actives have cut their price

Median sold price, St Augustine, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 26% below the ST AUGUSTINE 32084 median. See the full St Augustine market guide →

Paper trail

This home's history

Jun 22, 2026Listed at $249,000 · 28 days on market since
2022Built · WHISPERING CRK

Reality check

What actually sold near 70 WHISPERING BROOK DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

175 WHISPERING BROOK DRIVESold · Mar ’26

$205,000

175 WHISPERING BROOK DRIVE · same community

2 bd · 2.5 ba · 1,109 sqft · $185/sqft · 0 DOM

605 FAIRWAY DRIVE UNIT 308Sold · Sep ’25

$175,000

605 FAIRWAY DRIVE UNIT 308

2 bd · 2 ba · 1,131 sqft · $155/sqft · 182 DOM

2925 N 1ST STREETSold · Dec ’25

$290,000

2925 N 1ST STREET

3 bd · 2 ba · 1,160 sqft · $250/sqft · 2 DOM

Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

Derek Perez

Your agent

Derek Perez

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 70 WHISPERING BROOK DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 70 WHISPERING BROOK DRIVE — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to Derek's phone and CRM.

Goes straight to Derek’s phone and CRM.

Straight answers

70 WHISPERING BROOK DRIVE FAQs

What would the monthly payment be for 70 WHISPERING BROOK DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,178/mo — principal and interest, the actual property-tax bill, the $94/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

How much are the HOA fees at 70 WHISPERING BROOK DRIVE?+

The association fee works out to $94 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 70 WHISPERING BROOK DRIVE?+

The most recent tax bill on record (2025) was $4,180. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Are pets allowed at 70 WHISPERING BROOK DRIVE?+

The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.

How does the price compare to other homes in St Augustine?+

At $249,000, this home is listed about 43% below the St Augustine median of $439,900. The market section on this page shows how the area is trending.

Which schools are assigned to 70 WHISPERING BROOK DRIVE?+

St. Augustine High School (high), First Coast Technical College (high), Sebastian Middle School (middle), Crookshank Elementary School (elementary), Mky- Head Start /Dpp Pk School () — St. Johns County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Under the ST AUGUSTINE 32084 market on paper

$249,000 is 26% below the ST AUGUSTINE 32084 median of $338,750, and at $225/sqft it sits under the St Augustine average of $309.

02Trees/Woods views

The trees/woods view is part of what you're buying — views hold value independently of the structure.

03Strong assigned schools

St. Augustine High School, First Coast Technical College, Sebastian Middle School, Crookshank Elementary School, Mky- Head Start /Dpp Pk School — St. Augustine High School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of EXP REALTY LLC · Julia Almstead. MLS #FC319361.

IDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.

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