Whisper Bay
Homes for Sale in Gulf Breeze, FL
All 196 homes for sale in Gulf Breeze, FL · median $521,750 · Santa Rosa County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo courtesy of Kristina Renfroe, Levin Rinke Realty · via Pensacola MLS
As of October 2026, Whisper Bay in Gulf Breeze, FL has 6 homes for sale. Homes listed or recently sold were built 1977–2000; 6 of 8 report an HOA (median $5/mo); 2 of the 8 geocoded homes sit in a FEMA special flood hazard zone (median elevation 9 ft).
Last 30 days in Whisper Bay: 2 new listings (median asking $507,450). As of October 20, 2026, Copyright© 2026 by the Multiple Listing Service of the Pensacola Association of REALTORS® This information is believed to be accurate but is not guaranteed. Subject to verification by all parties. This data is copyrighted and may not be transmitted, retransmitted, copied, framed, repurposed, or altered in any way for any other site, individual and/or purpose without the express written permission of the Multiple Listing Service of the Pensacola Association of REALTORS®. Florida recognizes single and transaction agency relationships. Information Deemed Reliable But Not Guaranteed. Any use of search facilities of data on this site, other than by a consumer looking to purchase real estate, is prohibited.
Whisper Bay is a small, established pocket in Gulf Breeze — just 25 homes, all built in a tight window between 1975 and 1984, with the median home dating to 1976. In a subdivision this uniform in age, price is driven less by square footage on paper and more by what has been done to the house since. Original-condition homes and thoughtfully updated ones can sit far apart on price even at similar sizes, so expect a wide, condition-driven spread here rather than a neat per-foot number.
The current posture leans toward buyers. Nine months of supply against six active listings is a slow-moving market by any measure, which gives a buyer room to inspect carefully, negotiate on condition, and avoid bidding pressure. For a seller, that same math argues for realistic pricing and getting the home presented right the first time — deferred maintenance on a home of this vintage will show up in the offer.
Figures in this note are as of July 15, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Whisper Bay right now
🟢 Buyer-leaning market. 9.0 months of supply and 0% of the inventory already under contract give buyers above-average negotiating leverage.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 Pensacola MLS records, as of July 13, 2026. Confidence: Medium (6 active and pending listings, 0 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 20, 2026 · Live data: Pensacola MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
This is a compact, mature enclave of mid-1970s-to-mid-1980s homes in Gulf Breeze, where roughly 72% of homes are homesteaded — a sign of an owner-occupied, low-turnover street rather than an investor churn.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
The setting & the homes.
Aerial and on-site photos of Whisper Bay. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Whisper BayPhotos from Pensacola MLS listings in Whisper Bay; content deemed reliable but not guaranteed.
Who Whisper Bay is best for.
Best for
- Buyers seeking a settled, owner-occupied Gulf Breeze street with low turnover
- Renovation-minded buyers willing to update a solid 1970s-era home for equity
- Buyers who value negotiating room and a slower pace over competition
Probably not for
- Buyers who require newer construction and modern systems out of the box
- Buyers wanting shared amenities like a pool, clubhouse, or gated features
- Buyers who need a fast purchase from a deep, interchangeable pool of listings
The market around Whisper Bay
Whisper Bay is too small for its own price trend, so here is the market around it.
Across Santa Rosa County, 581 homes are active and 348 pending (38% under contract).
ZIP and county figures describe the wider market, not Whisper Bay specifically. Momentum Research analysis of MLS records.
Homes For Sale Right Now in Whisper Bay
Live MLS inventory for Whisper Bay. 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 and pending Whisper Bay listings as of 2026-10-19, priced high to low. Copyright© 2026 by the Multiple Listing Service of the Pensacola Association of REALTORS® This information is believed to be accurate but is not guaranteed. Subject to verification by all parties. This data is copyrighted and may not be transmitted, retransmitted, copied, framed, repurposed, or altered in any way for any other site, individual and/or purpose without the express written permission of the Multiple Listing Service of the Pensacola Association of REALTORS®. Florida recognizes single and transaction agency relationships. Information Deemed Reliable But Not Guaranteed. Any use of search facilities of data on this site, other than by a consumer looking to purchase real estate, is prohibited. Tap any home to ask about it.
Whisper Bay on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Pensacola MLS. Map data © OpenStreetMap contributors.
Schools
- Santa Rosa County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Gulf Breeze · Elementary
- GULF BREEZE · Middle
- Gulf Breeze · High
Zoned schools reflect the assignments reported on recent Whisper Bay listings and can change; always confirm with Santa Rosa County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Whisper Bay address.
Shop the zone: Homes zoned for Gulf Breeze High School
Recent Developments in Whisper Bay
Development, infrastructure, retail, and school activity affecting Whisper Bay, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated October 2026.
- September 2026Infrastructure
Santa Rosa commissioners consider $826,544 signal at SR 87 and Ray Helms Road
The September 22 Santa Rosa County commission agenda included an $826,544 contract with Griffin Traffic Signals for a traffic light at State Road 87 and Ray Helms Road, the truck route to Milton Interchange Park, plus resurfacing and sidewalk work. A separate $106,480 contract would replace signs at the park, now called the I-10 Coastal Commerce Center. The article is a preview of the meeting.
What it may mean for the marketA signal and resurfacing on SR 87 would affect truck and commuter traffic flow near the I-10 industrial park in Milton. The project is about 22 miles north of Whisper Bay, elsewhere in Santa Rosa County.
Source: Navarre Press - September 2026Infrastructure
Pensacola mayor says new airport terminal construction starts next week
At a September 17 briefing, Mayor D.C. Reeves said the notice to proceed for the new terminal at Pensacola International Airport would be issued the following week, with site preparation starting shortly after. He described it as a nine-figure investment. A separate 600-space parking expansion still needs construction funding.
What it may mean for the marketTerminal construction signals added air-travel capacity at the airport and construction activity near the airport corridor. The site is about 8 miles northwest of Whisper Bay.
Source: Rick's Blog - July 2026Development
Goldring Gulf Distributing plans expansion at Milton facility
Goldring Gulf Distributing filed plans to add 76,400 square feet to its existing 192,000 square foot beverage distribution facility in the Santa Rosa County Industrial Park in East Milton. The expansion would grow the company's footprint in Northwest Florida.
What it may mean for the marketEnlarges an established industrial and distribution operation within the Santa Rosa County Industrial Park and expands the county's industrial base. The project is about 18 miles north of Whisper Bay, elsewhere in Santa Rosa County.
Source: Navarre Press - May 2026Retail & Dining
Circle K convenience store planned for Navarre Parkway
Plans for a Circle K convenience store with a gas canopy were submitted to Santa Rosa County in May 2026 for a site at 8510 Navarre Parkway. The proposal is under review by county development services.
What it may mean for the marketAdds a fuel and convenience retail option along the Navarre Parkway commercial corridor and expands roadside services in the local market. The project is about 12 miles east of Whisper Bay, elsewhere in Santa Rosa County.
Source: Navarre Press
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
The Whisper Bay buying strategy.
If we were buying in Whisper Bay 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.
Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.
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 Bay.
A small, uniform vintage pocket
With only 25 homes and a median living area around 2,269 square feet, Whisper Bay is the kind of place where the housing stock is consistent and the differences are in the details. Every home here shares a construction era, so a buyer is really shopping condition, layout, and the specific updates a given owner has made — roof, systems, kitchens, and baths — not floor plans that vary wildly.
No community amenities turn up in the current MLS listings, so value here rests on the homes and the Gulf Breeze location itself, not on shared facilities or dues-funded features. That keeps carrying costs simpler, and it puts the weight of any purchase decision squarely on the individual house.
The location and the amenities are priced into every listing in Whisper Bay. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a market this thin — six active listings and a high months-of-supply figure — the read on any single home matters more than the average. We know how to price condition against age on these 1970s-era homes, where to push in negotiation given the slow pace, and how to separate a well-kept house from one carrying deferred work. That judgment is what protects a buyer or seller when there is little comparable inventory to lean on.
Whisper Bay in 15 seconds.
What it really costs to own in Whisper Bay
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| HOA dues | MLS listings here mostly enter dues as billed annually, but the median entry is only $65/year across 5 listings (2026-10-20), which usually means a quarterly or monthly amount was entered as annual. Ask the association for the current dues. |
|---|---|
| Home and flood insurance | The average Citizens Property Insurance premium in Santa Rosa County is $2,444/yr (876 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. |
| Roof and age | Median build year 1985 across 6 listings. An original roof here would be about 41 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report, and for replacement where it fails. |
Email me new listings in Whisper Bay
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Whisper Bay
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Whisper Bay will answer, and the answer is published on this page for the next buyer.
HOA, CDD & Fees
- HOA dues in MLS listings look inconsistent here (median entry $65/year across 5 listings). Confirm the current dues with the association
- Any club/amenity membership is billed separately
MLS listings here mostly enter association dues as billed annually, but the median entry is only $65 a year across 5 records, which usually means a quarterly or monthly amount was entered as annual. Ask the association or the listing agent for the current dues and what they cover before you offer. Source: MLS listing records, 2026-10.
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Whisper Bay 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 Bay sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Whisper Bay, 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 Bay home worth?
Get a no-obligation home value based on real comparable sales in Whisper Bay, 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 all homes for sale in Gulf Breeze →
Recently off market in Whisper Bay
Homes in Whisper Bay that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 3 on record.
- 2821 Sandy Ridge Rd · off market
- 2933 Coral Strip Pkwy · off market
- 3112 Coquina Way · off market
| Location | Gulf Breeze, Santa Rosa County, FL |
|---|---|
| Homes in the community | 25 (FL DOR 2025 assessment roll) |
| Years built | 1975–1984 (median 1976) |
| Typical living area | 2,269 sq ft (median) |
| Home types (current listings and sales) | single-family 100% |
| For sale right now | 6 active, 0 pending · median asking $700,000 · 9.0 months of supply |
| Owner-occupied (homestead) share | 72% |
Data as of July 13, 2026. Copyright© 2026 by the Multiple Listing Service of the Pensacola Association of REALTORS® This information is believed to be accurate but is not guaranteed. Subject to verification by all parties. This data is copyrighted and may not be transmitted, retransmitted, copied, framed, repurposed, or altered in any way for any other site, individual and/or purpose without the express written permission of the Multiple Listing Service of the Pensacola Association of REALTORS®. Florida recognizes single and transaction agency relationships. Information Deemed Reliable But Not Guaranteed. Any use of search facilities of data on this site, other than by a consumer looking to purchase real estate, is prohibited; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Whisper Bay key facts,” movewithmomentum.com/neighborhoods/whisper-bay-gulf-breeze, data as of July 13, 2026.
Housing distress & ownership in Whisper Bay, Gulf Breeze
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Copyright© 2026 by the Multiple Listing Service of the Pensacola Association of REALTORS® This information is believed to be accurate but is not guaranteed. Subject to verification by all parties. This data is copyrighted and may not be transmitted, retransmitted, copied, framed, repurposed, or altered in any way for any other site, individual and/or purpose without the express written permission of the Multiple Listing Service of the Pensacola Association of REALTORS®. Florida recognizes single and transaction agency relationships. Information Deemed Reliable But Not Guaranteed. Any use of search facilities of data on this site, other than by a consumer looking to purchase real estate, is prohibited. Deemed reliable but not guaranteed.
Just listed in Whisper Bay
The newest homes for sale in Whisper Bay right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 1591 Whisper Bay Blvd $620,000 · 4 bd · 2.5 ba · 2,008 sq ft · 11 days on market Courtesy of Berkshire Hathaway Home Services PenFed Realty
- 2908 Coral Strip Pkwy $394,900 · 3 bd · 2 ba · 1,660 sq ft · 20 days on market Courtesy of Levin Rinke Realty
Checked against the MLS Oct 20, 2026. All new listings in this market.
Every Home for Sale in Whisper Bay Gulf Breeze Right Now (2)
All 2 active and pending Whisper Bay Gulf Breeze listings with a detail page, newest first, refreshed twice a day from the MLS.
- 2908 Coral Strip Pkwy · $394,900 · 3 bd / 2 ba · listed Sep 11, 2026 · listed by Levin Rinke Realty
- 1591 Whisper Bay Blvd · $620,000 · 4 bd / 2.5 ba · listed Aug 30, 2026 · listed by Berkshire Hathaway Home Services PenFed Realty
More Gulf Breeze home searches
- All homes for sale in Gulf Breeze, FL
- Homes for sale in Santa Rosa County, FL
- Gulf Breeze waterfront homes for sale
- Homes under $300K in Gulf Breeze
- Homes from $300K to $500K in Gulf Breeze
- 4-bedroom homes for sale in Gulf Breeze
- Gulf Breeze home values: what is my house worth?
- 4 coming-soon communities in Santa Rosa County
Gulf Breeze guides & data
- Market data
- Cost of living
- Best neighborhoods
- Flood zones
- Property taxes (Santa Rosa County)
- Homestead exemption (Santa Rosa County)
- Home insurance cost
- New construction
Florida buyer guides
- Florida home insurance rates by county
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
Real estate agent in Gulf Breeze? Join Momentum in Gulf Breeze: 100% commission, one $12K cap.
Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Coral Strip Parkway (28 homes on record)
- Whisper Bay Boulevard (25 homes on record)
39% of homes for sale in ZIP 32563 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 (2026-10-20).
Whisper Bay Market Scorecard
Whisper Bay is currently a buyer-leaning market (limited data). About 4.0 months of supply, a median asking price of $507,450, and homes go under contract in about 15.5 days.
Typical home value in the 32563 ZIP is $403,499, about 16.1% below the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Copyright© 2026 by the Multiple Listing Service of the Pensacola Association of REALTORS® This information is believed to be accurate but is not guaranteed. Subject to verification by all parties. This data is copyrighted and may not be transmitted, retransmitted, copied, framed, repurposed, or altered in any way for any other site, individual and/or purpose without the express written permission of the Multiple Listing Service of the Pensacola Association of REALTORS®. Florida recognizes single and transaction agency relationships. Information Deemed Reliable But Not Guaranteed. Any use of search facilities of data on this site, other than by a consumer looking to purchase real estate, is prohibited. Refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Frequently Asked Questions
Is Whisper Bay a buyer's or seller's market right now?
How many homes are in Whisper Bay?
What share of Whisper Bay is owner-occupied?
When were the homes in Whisper Bay built?
Who is the best real estate agent for Whisper Bay?
How do I find a top Gulf Breeze real estate agent who knows Whisper Bay?
Can Momentum Realty connect me with an agent for Whisper Bay?
Where is Whisper Bay, and what county is it in?
Should you buy in Whisper Bay?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | Pensacola MLS, refreshed twice daily (last: October 19, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (community parcel extract) |
| Under-contract shares | Pensacola MLS records, as of 2026-07-12 |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Pensacola MLS 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.
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More on Whisper Bay
- Home values · What homes in Whisper Bay actually sell for
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