Whisper Ridge Hilliard
Homes for Sale in St. Augustine, FL
True comps, carrying-cost math, and listings before the portals.
Whisper Ridge Hilliard, in St. Augustine within Duval County, is a small-inventory market right now: only nine homes are active at any given time, and the community carries roughly 5.4 months of supply, which lands it in balanced territory — not a seller's stampede, not a buyer's glut. With so few listings on record, each individual home carries outsized weight in shaping what the market looks like at any given moment; a single price-motivated seller or a stale listing can shift the read meaningfully.
For sellers, that balance means pricing discipline still matters — a balanced band does not forgive an overreach the way a tighter market might. For buyers, it means you are not up against multiple-offer chaos, but you also should not expect deep concessions; with just nine homes to choose from, patience and a broker who tracks new listings the moment they hit realmls matters more here than in a deeper-inventory community.
Whisper Ridge Hilliard right now
🟡 Balanced market. 5.4 months of supply and 0% of the inventory already under contract put buyers and sellers on roughly even footing.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of realMLS records, as of July 15, 2026. Confidence: Medium (9 active and pending listings, 0 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated July 15, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The setting & the homes.
Aerial and on-site photos of Whisper Ridge Hilliard. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Whisper Ridge Hilliard
Whisper Ridge Hilliard
Whisper Ridge Hilliard
Whisper Ridge Hilliard
Whisper Ridge Hilliard
Whisper Ridge Hilliard
Whisper Ridge Hilliard
Whisper Ridge HilliardPhotos from realMLS listings in Whisper Ridge Hilliard; content deemed reliable but not guaranteed.
Who Whisper Ridge Hilliard is best for.
Best for
- Buyers who want a quieter, small-inventory community and are willing to wait for the right listing to come up
- Sellers comfortable pricing carefully in a balanced market rather than expecting a bidding war
- Buyers prioritizing a playground amenity within a compact community
Probably not for
- Buyers who want to compare a wide range of homes before committing
- Sellers expecting rapid multiple-offer competition
- Buyers who need extensive HOA-amenity documentation upfront rather than verifying directly with the association
The market around Whisper Ridge Hilliard
Whisper Ridge Hilliard is a small community — 1 recorded sale on file, most recently in 2023 — too few for its own price trend. Here is the market around it.
In ZIP 32092, 795 homes are on the market and 40% are under contract — a fast-moving corner of St. Augustine.
Across Duval County, 2,814 homes are active and 1,188 pending (30% under contract).
Homes here are single family residence.
ZIP and county figures describe the wider market, not Whisper Ridge Hilliard specifically. Momentum Research analysis of MLS records.
Homes For Sale Right Now in Whisper Ridge Hilliard
Live MLS inventory for Whisper Ridge Hilliard. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active · 246 daysTop listingActive · 160 days
Active · 164 days
Active · 160 days
Active · 189 days
Active · 7 days
Active · 278 days
Active · 238 days
Active · 189 daysActive and pending Whisper Ridge Hilliard listings as of 2026-07-14, priced high to low. Source: Data provided by realMLS. Tap any home to ask about it.
Whisper Ridge Hilliard on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from realMLS. Map data © OpenStreetMap, tiles © CARTO.
Life at Whisper Ridge Hilliard
- Playground · reported on 1 of 20 listings
Community amenities as reported across realMLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
How far is everything?
Everyday stops around Whisper Ridge Hilliard are close: the nearest coffee is about 2 minutes away.
- Roasted Rooster Coffee Company · Coffee2 min
- Five.5 Grill · Dining3 min
- Town Hall Park · Parks3 min
- Jack Rabbit Food Mart · Groceries4 min
- Callahan Plaza · Shopping17 min
- Va hospital · Health21 min
Approximate drive times via Mapbox Search + Directions, 2026-07-03. Verify for a specific address.
Schools
- Duval County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Hilliard Elementary (Nassau)FLDOE grade A · Public K-5
- Hilliard Middle-Senior High (Nassau)FLDOE grade A · Public 6-12
Grades are official Florida Department of Education school grades for 2025-26. Assignments are reported as of the 2025-26 year and can change; always confirm with Duval County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Whisper Ridge Hilliard address.
=======Our proprietary read on how a home in Whisper Ridge buys, holds, and resells. See the five factors.
Homes For Sale Right Now in Whisper Ridge
Live MLS inventory for Whisper Ridge. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active · 227 daysTop listing
Active · 141 days
Active · 145 days
Active · 141 days
Active · 170 days
Active · 259 days
Active · 219 days
Active · 170 days
Pending · 172 daysActive and pending Whisper Ridge listings as of 2026-06-25, priced high to low. Source: Data provided by realMLS.. Tap any home to ask about it.
Whisper Ridge on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers, color the dots by status or lot type, and tap a home for the details.
Listing locations from realMLS; lot type inferred from listing descriptions. Destination pins are approximate. Map data © OpenStreetMap, tiles © CARTO. Flood, school, and commute overlays are on the roadmap.
How far is everything?
The location is the everyday-convenience case: shopping, schools, and the major roads are all a manageable drive.
Drive times from Whisper Ridge. They are approximate and vary with traffic and your exact start point.
Distances and drive times are approximate and vary with traffic. Confirm your real commute at your real departure time.
Nearby Communities
Explore more neighborhoods near Whisper Ridge Homes for Sale in Hilliard, FL with Momentum Realty’s local guides.
Carrying cost · the no-CDD edge
No CDD bond means thousands less per year than newer master plans.
Roughly $25,000 saved over 10 years in carrying cost, before resale.
Illustrative. NE Florida CDD assessments commonly run $1,500-$3,500+/yr and vary by community; verify per property.
Schools
- Nassau County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Confirm current ratings before relying on them
- Private and parochial options nearby
Whisper Ridge is served by Nassau County Public Schools. Assignment is by address and can change, so confirm the exact zoned elementary, middle, and high schools for any specific home, plus any magnet or choice options. Treat published ratings as a starting point, not the full story.
Hilliard Elementary (Nassau)
Hilliard Middle-Senior High (Nassau)
Sonshine Christian Academy, Callahan
Faith Christian Academy, Yulee
Nassau Christian Schools, Yulee
Buying with schools in mind? We can confirm the exact zoned schools for any Whisper Ridge address.
>>>>>>> origin/mainThe Whisper Ridge Hilliard buying strategy.
If we were buying in Whisper Ridge Hilliard today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Whisper Ridge Hilliard.
A market defined by scale, not heat
With only nine active listings, Whisper Ridge Hilliard does not generate the kind of trend data that larger Northeast Florida communities do. Nine homes is a small enough pool that one seller's decision to price aggressively — or hold firm — can visibly move the read on the whole community. That is worth knowing whether you are a buyer waiting for the right listing or a seller trying to gauge your competition.
At 5.4 months of supply, the community sits in balanced territory: enough inventory that buyers have some room to negotiate, but not so much that sellers are forced into steep concessions. The community's MLS listings report a playground as a shared amenity; as with any HOA-governed feature, verify current access and condition directly with the association rather than assuming from listing history.
The location and the amenities are priced into every listing in Whisper Ridge Hilliard. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
Momentum Realty tracks realmls activity across Duval and St. Johns communities daily, which matters most in a small-inventory pool like Whisper Ridge Hilliard — nine active listings can shift meaningfully within weeks, and working from stale data puts either side of a deal at a disadvantage. We also verify HOA amenity details, like the playground reported here, directly with the association rather than relying on secondhand listing descriptions.
Whisper Ridge Hilliard in 15 seconds.
HOA, CDD & Fees
- No CDD
- Mandatory HOA — confirm current dues
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Page states no CDD.
Tools for a Whisper Ridge Hilliard buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Whisper Ridge Hilliard sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Whisper Ridge Hilliard, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Whisper Ridge Hilliard home worth?
Get a no-obligation home value based on real comparable sales in Whisper Ridge Hilliard, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See homes for sale in Whisper Ridge Hilliard on the map →
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Nassau County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Nassau County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
27% of homes for sale in ZIP 32046 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-07-18).
Whisper Ridge Market Scorecard
Whisper Ridge is currently a balanced. About 4.6 months of supply, a median asking price of $348,900, and homes go under contract in about 179 days.
Typical home value in the 32046 ZIP is $360,724, right around the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Whisper Ridge Market Scorecard
Whisper Ridge is currently a balanced. About 4.6 months of supply, a median asking price of $348,900, and homes go under contract in about 179 days.
Typical home value in the 32046 ZIP is $360,724, right around the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Frequently Asked Questions
Is Whisper Ridge Hilliard a buyer's or seller's market right now?
What schools serve Whisper Ridge Hilliard?
Who is the best real estate agent for Whisper Ridge Hilliard?
How do I find a top St. Augustine real estate agent who knows Whisper Ridge Hilliard?
Can Momentum Realty connect me with an agent for Whisper Ridge Hilliard?
Should you buy in Whisper Ridge Hilliard?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Whisper Ridge Hilliard with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: July 14, 2026) |
| Under-contract shares | realMLS records, as of 2026-07-12 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2005 (1 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the realMLS member average and 8 days faster, and we’ll price yours against live your area comps.
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