4134 Whispering Oaks Drive, Jacksonville, FL 32277
Sources: realMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of September 26, 2026, 4134 WHISPERING OAKS Drive in Old Mill Cove, Jacksonville is listed at $440,000 (3,240 sq ft, about $136 per sq ft). That sits within a few percent of Old Mill Cove's median closed sale of $418,000 over the last 12 months (1 recorded sales). Per square foot it is below the community's recent $156/sq ft by about 13%. It has been 20 days on market. Listing facts: built in 1975, HOA dues of $19/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 1975 · 51 yrs
- 3,240 sq ft of living area
- 2-car garage
- Listed at $440,000 — recent neighborhood median sale price ~$418,000 (nearby sales; deemed reliable, not an appraisal)
- 20 days on market
- HOA $19/mo (per listing)
Pricing & the Old Mill Cove market
How this home is priced against recent nearby sales, and where Old Mill Cove has been over 25 years. Momentum Research analysis of realMLS 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.
Price vs. size in Old Mill Cove
Each dot is a closed sale since 2001 (96 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). realMLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2012–2025. This home lists at $136/sq ft.
Median sale price by year
12-month median closed price, 2012–2025.
This home’s history
- 1975BuiltPer public record
- Sep 6, 2026First trackedObserved at $440,000
- NowActiveCurrently for sale
Build year is from public record. Listing 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.
Estimated monthly payment
- Principal & interest $2,349/mo 78%
- Taxes $418/mo 14%
- Insurance $239/mo 8%
- HOA $19/mo 1%
$3,025/mo at 20% down, 30-yr @ 7.03% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Based on certified county tax rollMany first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
Adjust for your exemptions, portability, and down payment
A market / assessed / taxable trend chart appears here once the prior-year rolls are ingested.
Sources: Florida DOR certified tax roll (2025), realMLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Property Score
67/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟡 Asking $136 per square foot, about 13% below the community’s $156 median. Old Mill Cove’s 12-month median sold price per square foot is $156. Confidence: Low · 1 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
85% of homes in Old Mill Cove are owner-occupied. An estimated 15% are non-owner-occupied, including 6% held in a company or trust and 4% 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), 123 homes matched. Community-level context.
What’s unique here: no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 26, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
Exceptional Multigenerational Living with a Private In-Law Suite! Beautifully maintained and thoughtfully designed, this sprawling brick ranch offers the rare opportunity for true multigenerational living while still providing privacy and separation for everyone under one roof. Set beneath a canopy of mature oak trees with beautiful curb appeal, this home makes an impressive first impression--and only gets better once you step inside.
The split-bedroom floor plan is ideal for extended family, aging parents, adult children, guests, or anyone looking for a private secondary living space. On one side of the home, the spacious owner's suite provides a peaceful retreat, while the opposite side features a secluded in-law suite complete with its own bedroom, full bath, and kitchenette. Tucked away from the home's main living areas, it offers exceptional privacy and flexibility.
From the moment you enter, it is evident that this home has been meticulously cared for by its current owners. The renovated kitchen opens beautifully to the expansive family room, creating a warm, open-concept gathering space perfect for everyday living and entertaining. The kitchen is a chefs dream with a built in pantry, counters galore, and an abundance of cabinets!
A HUGE enclosed lanai extends the living space even further and overlooks the expansive backyard and beautiful paver patio--an incredible setting for morning coffee, family gatherings, or evenings with friends. Recent improvements include a new water heater and an HVAC system replaced in 2024, adding comfort and peace of mind, updated kitchen with beautiful stainless appliances. With its timeless brick exterior, mature landscaping, renovated interior, flexible multigenerational floor plan, private in-law quarters, generous indoor and outdoor living spaces, and obvious pride of ownership, this is much more than a house--it's a home designed to accommodate the way families live today.
A truly special property and an absolute must-see!
All 68 photos
Description provided by COLDWELL BANKER VANGUARD REALTY and reproduced from the MLS; not independently verified.
Every fact, sourced
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
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
Actual list price: $440,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 28% spread on the same house — and that gap is exactly what an automated guess can't see:
- Condition & updates — a 1975 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
- The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
- Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
- Carrying costs & concessions — this home carries HOA dues of $19/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
- 0 active listings competing, 2 under contract
- 1 closed here in the last 12 months
For reference, this home is listed at $440,000 ($136/sq ft) — a number set with analysis a Messtimate can't do.
Selling your own home? Try the Messtimate on your address →
Methodology: 3,240 sq ft × $137–$175/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 26, 2026.
Similar homes for sale near Old Mill Cove
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.
Newest listings in Jacksonville
- 7701 Baymeadows Circle #1093, Jacksonville · $129,900 · 2 bd / 2.5 ba · listed September 26, 2026 (courtesy of KELLER WILLIAMS REALTY ATLANTIC PARTNERS)
- 316 W 41st Street, Jacksonville · $154,900 · 2 bd / 1.0 ba · listed September 25, 2026 (courtesy of CENTURY 21 LIGHTHOUSE REALTY)
- 14350 Marina San Pablo Place, Jacksonville · $1,299,000 · 3 bd / 2.5 ba · listed September 25, 2026 (courtesy of KELLER WILLIAMS REALTY ATLANTIC PARTNERS)
- 5572 Bryner Drive, Jacksonville · $189,900 · 2 bd / 2.5 ba · listed September 25, 2026 (courtesy of KELLER WILLIAMS REALTY ATLANTIC PARTNERS)
- 2936 Old Orchard Road, Jacksonville · $584,900 · 4 bd / 2.5 ba · listed September 25, 2026 (courtesy of RE/MAX SPECIALISTS)
- 10924 Key Haven Boulevard, Jacksonville · $249,997 · 3 bd / 2.0 ba · listed September 25, 2026 (courtesy of UNITED REAL ESTATE GALLERY)
Recently off market in Old Mill Cove
- 4150 Old Mill Cove Trail · last listed $418,000 · 2026-09-12
Price & listing history
Building permits
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Internet & broadband
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Xfinity/Spectrum cable broadband is widely available.
T-Mobile / Verizon fixed-wireless as a backup option.
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Listed by COLDWELL BANKER VANGUARD REALTY · MLS # 2163686
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Recent sales activity in Old Mill Cove
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Old Mill Cove neighborhood guide for more.
Recent nearby closings in the data set.
Canonical 12-month median closed price. Reference only.
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Old Mill Cove
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.
Assigned schools
Schools currently assigned to this address in Duval 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.
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Community 12-month median: $156/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Buyer research checklist
Items worth confirming for 4134 WHISPERING OAKS Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1975 (51 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 $19/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 Duval County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Listed living area is 3,240 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 $5,016/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
- Confirm school zoning directly with the district.
Approximate distances
Approximate drive times for general reference only.
Data sources & freshness
| Listing record | realMLS, refreshed twice daily (last: September 26, 2026) |
| Community market stats | realMLS closed sales, as of September 24, 2026 |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| Taxes & monthly cost | Estimated from county rates; not a quote |
| 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 realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 4134 WHISPERING OAKS Drive and when was it built?
Per the listing record, 4134 WHISPERING OAKS Drive was built in 1975 and has 3,240 sq ft of living area, 4 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 4134 WHISPERING OAKS Drive in?
4134 WHISPERING OAKS Drive is in Old Mill Cove in Jacksonville, Duval County. The community section on this page shows recent closed sales, days on market, and active inventory for Old Mill Cove from the same MLS data.
Does 4134 WHISPERING OAKS Drive have an HOA, and how much are the dues?
The listing reports HOA dues of $19 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 4134 WHISPERING OAKS Drive differ from the current owner's?
The estimate on this page (about $5,016 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 4134 WHISPERING OAKS Drive 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.
See 4134 WHISPERING OAKS Drive in person
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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 a typical county millage rate to the list price 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.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name, and detailed information about such listings includes the name of the listing broker. Data provided is deemed reliable but is not guaranteed. 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. Source: realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.