Villa in WHISPERING SOUND, Palm City · No CDD on record
WHISPERING SOUND · Palm City, FL 34990 · Martin County
Listing data updated October 20, 2026 at 10:49 AM ET · checked against the MLS hourly
Listed by Laviano & Associates Real Esta (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
2Bedrooms
2Bathrooms
1,657Sq Ft
1996Year Built
$210Per Sq Ft
1-car garageNo CDD on record
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
13% above
$/sq ft vs community
$210 here vs $186 median sold (12 mo)
Buyer leverage
Strong seller market
18 days on market
1.3 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$2k–$3k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 20, 2026, 3866 SW INWOOD PINES Lane in Whispering Sound, Palm City is listed at $348,500 (1,657 sq ft, about $210 per sq ft). It has been 18 days on market. Listing facts: built in 1996, HOA dues of $382/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1996 · 30 yrs
1,657 sq ft of living area
1-car garage
Listed at $348,500 — recent neighborhood median sale price ~$308,000 (nearby sales; deemed reliable, not an appraisal)
18 days on market
HOA $382/mo (per listing)
Listing description
About this home
Chateau Green model in Whispering Sound. Probably he best floor plan, open and spacious! Covered and screen-in patio.
Wonderful Community! So many amenities! Sidewalk and street lights.
You'll love living here! Pet friendly! 2 pets allowed - up to 35 lbs.
No renting for 2 years.
All 34 photos
Description provided by Laviano & Associates Real Esta and reproduced from the MLS; not independently verified.
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$348,500
Bed / bath2 / 2
Living area1,657 sq ft
Year built1996
Property typeVilla
Garage1-car
MLS #B26079660
Listing status18 days on market (MLS)
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Ground elevation~11 ft
CountyMartin
Area listings0 active · 0 under contract
Estimated first-year tax~$4,625/yr
CDD assessmentNone on record
HOA$382/mo
Calculated estimates
Price per sq ft$210
Estimated monthly payment$2,862
Insurance (illustrative)$2k–$3k/yr
Messtimate range$275,062 – $339,685
Comparable-sales median$308,000
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$2,862/mo
Principal & interest $1,930/mo67%
Taxes $385/mo13%
Insurance $165/mo6%
HOA $382/mo13%
$2,862/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × Martin County rate (15.47 mills, county-average millage, 2025; verify with the property appraiser). Not a bill.
⚠️
Property taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Current owner’s estimated bill $1,075/yr ($90/mo) — taxable value $69,822 × 15.47 mills
$3,550 more each year
(+330%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$246,248
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
$316,070
Market value
$150,544
Assessed
$69,822
Taxable
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Sources: Florida DOR certified tax roll (2025), BeachesMLS; millage: Florida TaxWatch 2025 How Florida Counties Compare (county-average millage); school portion estimated at ~42% of total, capped at 6.50 mills. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 3866 Sw Inwood Pines Lane
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
Property tax
The current owner's bill is about $1,075/yr (certified county roll, taxable value × millage). Buy at the asking price of $348,500 and the first-year bill resets to about $4,625/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 15.47 mills (county-average millage, estimate)); Save Our Homes caps later increases at 3%/yr.
HOA dues
$382/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close.
Home and flood insurance
The average Citizens Property Insurance premium in Martin County is $2,580/yr (1,552 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $1,500–$3,000/yr; neither is a quote.
Roof and age
Built in 1996. An original roof would be about 30 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 ask for the roof permit date.
Estimated carrying cost at the asking price, before the mortgage: about $982/month (tax $385, HOA $382, insurance $215). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$2k–$3k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
$382/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
~11 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Martin County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Hazard risk
Natural hazard risk
FEMA National Risk Index for Martin County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneVery High
Coastal floodingRelatively Moderate
Inland floodingRelatively Moderate
Heat waveRelatively Low
WildfireRelatively Moderate
TornadoRelatively Moderate
LightningRelatively High
Strong windRelatively High
DroughtRelatively Low
HailRelatively Low
Cold waveRelatively Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · Whispering Sound
Pricing & the Whispering Sound market
How this home is priced against recent nearby sales, and where Whispering Sound has been over 25 years. Momentum Research analysis of Beaches MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Property timeline
This home’s history
1996BuiltPer public record
About Oct 2026Listed (per MLS)MLS reports 18 cumulative days on market as of October 20, 2026
Oct 1, 2026First seen on movewithmomentum.comObserved at $348,500
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Transparency
Price & listing history
Listed for $348,500Momentum Realty · on market 18 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
6 closed sales in WHISPERING SOUND in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Sold Jun 2026
$340,000
3662 SW Whispering Sound Drive, Palm City
2 / 2 bd/ba · 1,657 sq ft · $205/sq ft
Courtesy of Watson Realty Corp · View details →
Sold Jun 2026
$340,000
3662 SW Whispering Sound Drive, Palm City
2 / 2 bd/ba · 1,657 sq ft · $205/sq ft
Courtesy of Watson Realty Corp · View details →
Sold Nov 2025
$275,000
3638 SW Whispering Sound Drive, Palm City
2 / 2 bd/ba · 1,657 sq ft · $166/sq ft
Courtesy of The Keyes Company - Stuart · View details →
Sold Nov 2025
$275,000
3638 SW Whispering Sound Drive, Palm City
2 / 2 bd/ba · 1,657 sq ft · $166/sq ft
Courtesy of The Keyes Company - Stuart · View details →
Sold Jan 2026
$308,000
3656 SW Whispering Sound Drive, Palm City
2 / 2 bd/ba · 1,655 sq ft · $186/sq ft
Courtesy of Laviano & Associates Real Esta · View details →
Sold Jan 2026
$308,000
3656 SW Whispering Sound Drive, Palm City
2 / 2 bd/ba · 1,655 sq ft · $186/sq ft
Courtesy of Laviano & Associates Real Esta · View details →
Median of these 6 sales: $308,000 ($186/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate™ · automated estimate
The Messtimate
Our automated estimate of the likely sale-price range for this home — modeled from recent closed sales nearby adjusted to today's market, a local size-and-age model, and the county tax roll. It is an estimate, not an appraisal, not market value, and not an offer. A licensed agent's CMA sees the condition, the lot, and the live market that a model can't.
$288,100the mess$322,600
Directional estimate — built from 14 comparable closed sales in WHISPERING SOUND (same property type, closed within the last 18 months, each adjusted to today's market).
Track record: across 2,984 recent closed sales we scored, the closed price landed inside the Messtimate range 58% of the time; median miss 9.6% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-10-20.
Actual list price: $348,500 ($210/sq ft) — the seller's asking price is not an input to this range; compare the two.
A 12% spread on the same house — here is what a model can't see:
Condition & updates — a 1996 home may have had its roof, kitchen, or HVAC replaced since, or not; the model can't see either.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one.
Carrying costs & concessions — this home carries HOA dues of $382/mo; insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.
And what the live market is doing right now:
1 active listing competing
9 closed here in the last 12 months
Want a property-specific value from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market.
Methodology: 20th–80th percentile band combining time-adjusted $/sq ft of comparable closed sales (14); MLS closed-sale records. Automated valuation model output for general information only — not an appraisal, not market value, not an offer, and not reviewed by a licensed appraiser. Updated October 20, 2026.
🟡 Asking $210 per square foot, about 13% above the community’s $186 median. Whispering Sound’s 12-month median sold price per square foot is $186. MLS facts: BeachesMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
86% of homes in Whispering Sound are owner-occupied. An estimated 14% are non-owner-occupied, including 14% held in a company or trust and 5% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 185 homes matched. Community-level context.
Updated October 20, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Laviano & Associates Real Esta · MLS # B26079660
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Keep looking
Similar homes for sale near WHISPERING SOUND
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Sep 2026 · Development
Martin County approves limited-industrial zoning on Southeast Powerline Avenue in Hobe Sound
Commissioners voted 3-2 to rezone a property along Southeast Powerline Avenue to limited-industrial, a less intensive class than the general industrial designation first proposed. The county said the existing zoning was outdated and that no data center is planned. Any proposal over 100,000 square feet would need board approval.
Why it matters: Limited-industrial zoning could add light industrial space and local jobs in Hobe Sound while capping the scale of future uses. The project is about 10 miles southeast of Whispering Sound, elsewhere in Martin County.
Federal government awards $79 million for St. Lucie River Bridge replacement in Stuart; Brightline station grant denied
The century-old St. Lucie River Bridge replacement received $79 million in federal funding. The federal Intercity Passenger Rail Program did not fund a proposed Brightline station in downtown Stuart. Martin County said it welcomed the bridge funding.
Why it matters: Bridge replacement funding supports a key rail and river crossing, while the denied grant leaves the timing of a Stuart passenger rail stop uncertain. The site is about 3 miles north of Whispering Sound.
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Schools currently assigned to this address in Martin County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
GRADEA
Palm CityAssigned elementary school · Martin County School District · Grade A (Florida DOE 2025-26)
GRADEA
Hidden OaksAssigned middle school · Martin County School District · Grade A (Florida DOE 2025-26)
GRADEB
Martin CountyAssigned high school · Martin County School District · Grade B (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 3866 SW INWOOD PINES Lane, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1996 (30 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
HOA dues are listed at $382/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
Get a homeowners insurance quote for this specific address in Martin County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 1,657 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $4,625/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $3,550 more per year than the current owner’s estimated bill (+330%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Provenance
Data sources & freshness
Listing record
BeachesMLS, checked against the MLS hourly (last: October 20, 2026)
Comparable sales
BeachesMLS closed sales in WHISPERING SOUND, last 18 months, as of July 15, 2026
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
Taxes & monthly cost
Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of BeachesMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 3866 SW INWOOD PINES Lane and when was it built?
Per the listing record, 3866 SW INWOOD PINES Lane was built in 1996 and has 1,657 sq ft of living area, 2 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 3866 SW INWOOD PINES Lane in?
3866 SW INWOOD PINES Lane is in Whispering Sound in Palm City, Martin County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 3866 SW INWOOD PINES Lane have an HOA, and how much are the dues?
The listing reports HOA dues of $382 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 3866 SW INWOOD PINES Lane differ from the current owner's?
The estimate on this page (about $4,625 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $3,550 more per year than the current owner’s estimated bill (+330%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 3866 SW INWOOD PINES Lane in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 3866 SW INWOOD PINES Lane in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
