Whisper Creek
Homes for Sale in Middleburg, FL
True comps, carrying-cost math, and listings before the portals.
Market Heat
Whisper Creek's median sale price sits at $370,000, with a median price per square foot of $153.85 -- a level that tracks with the community's construction era (median year built 2004, homes built 2002-2022) and a median living area of 2,088 square feet. Price here is driven less by lot premiums than by condition and updates on a housing stock that is now, in its earliest sections, two decades old.
The current posture reads balanced, but the underlying numbers lean toward a buyer's advantage: prices are down 10.3% year over year, months of supply sit at 4.8, and the market heat score reads a modest 19. With only 2 active listings and 7 closings in the tracked window, the sample is thin enough that a single sale can move the median -- sellers should price to the comp, not the narrative, and buyers should expect some room to negotiate given a median 46 days on market.
Whisper Creek right now
🟡 Balanced market. 4.8 months of supply and 33% 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 August 5, 2026. Confidence: Medium (3 active and pending listings, 7 closed sales in 12 months).
🔴 Off the recent peak. The trailing-12-month median ($370K) is down 10.3% from the prior 12 months ($412K) and up 168% since 2012. With about a dozen sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level realMLS closed sales, 12-month windows ending August 5. Confidence: Medium (7 and 10 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated August 5, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Whisper Creek market snapshot (as of August 5, 2026): the median sale price is about $370K ($154 per sq ft over the trailing 12 months of closed sales), a median 46 days on market for closed sales, and 4.8 months of supply, a balanced market. The trailing-12-month median is down 10% from the prior 12 months and up 168% since 2012, computed from record-level realMLS closed sales (7 closings in the current window).
Whisper Creek is a community of 279 homes in Middleburg, Clay County, built between 2002 and 2022 (median 2004), with a median living area of about 2,088 square feet. 61% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Since 2012, Whisper Creek has priced up 168% cumulatively, even after this year's pullback, though today's active inventory is unusually tight at just 2 listings.
The setting & the homes.
Aerial and on-site photos of Whisper Creek. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Whisper CreekPhotos from realMLS listings in Whisper Creek; content deemed reliable but not guaranteed.
Who Whisper Creek is best for.
Best for
- Buyers comfortable pricing off a small, thin comp set rather than a deep inventory
- Buyers looking for homes built across 2002-2022 rather than brand-new construction
- Sellers who can price precisely to recent comps in a balanced, buyer-leaning market
Probably not for
- Buyers who want dozens of active listings to compare before deciding
- Buyers expecting continued double-digit annual price gains after this year's 10.3% pullback
- Sellers hoping for a fast, competitive-offer sale given a 46-day average and 4.8 months of supply
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending August 5 of each year, from record-level realMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($370K) IS the median in the snapshot above, and the move from 2025 ($412K) IS the -10.3% one-year change.
Windows contain 7 to 22 sales each (7 in the current window); every figure carries its sample size, and thin markets swing on single closings. Source: Data provided by realMLS. Deemed reliable but not guaranteed.
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Clay 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 · Clay 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.
Whisper Creek Market Scorecard
Whisper Creek is currently a buyer's market. About 7.2 months of supply, a median asking price of $350,000, and homes go under contract in about 84 days.
Typical home value in the 32068 ZIP is $329,821, about 20.0% below 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.
Housing distress & ownership in Whisper Creek, Middleburg
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. Source: Data provided by realMLS. Deemed reliable but not guaranteed.
Homes For Sale Right Now in Whisper Creek
Live MLS inventory for Whisper Creek. 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 · 121 daysTop listing
Active · 134 days
Pending · 57 daysActive and pending Whisper Creek listings as of 2026-08-05, priced high to low. Source: Data provided by realMLS. Tap any home to ask about it.
Whisper Creek 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 Creek
- Playground · reported on 2 of 4 listings
- Jogging Path · reported on 1 of 4 listings
- Park · reported on 1 of 4 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 Creek are close: the nearest parks is about 4 minutes away.
- Foxmeadow Recreational Park · Parks4 min
- Kroger · Groceries5 min
- China Cafe · Dining7 min
- Starbucks · Coffee7 min
- Middleburg Village Center · Shopping8 min
- Ascension St Vincent's Clay County · Health8 min
Approximate drive times via Mapbox Search + Directions, 2026-07-03. Verify for a specific address.
Schools
- Clay County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Tynes ElementaryFLDOE grade B · Elementary (verify zoning)
- Wilkinson Junior High SchoolFLDOE grade A · 7-8 (verify zoning)
- Middleburg High SchoolFLDOE grade A · 9-12 (verify zoning)
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 Clay County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Whisper Creek address.
Recent Developments in Whisper Creek
Development, infrastructure, retail, and school activity affecting Whisper Creek, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated August 2026.
- June 2026Development
Hillwood contracts with the City of Jacksonville for 192 acres at AllianceFlorida at Cecil Commerce Center
Master developer Hillwood contracted with the City of Jacksonville for 192 acres at AllianceFlorida at Cecil Commerce Center on Jacksonville's Westside, continuing the buildout of the former Naval Air Station Cecil Field into an industrial and logistics park.
What it may mean for the marketContinued absorption of large industrial parcels at Cecil signals sustained employment growth on the Westside, which can support housing demand across nearby communities. The site is about 7 miles northwest of Whisper Creek.
Source: Jax Daily Record - June 2026Builder Activity
Hyland Trail to bring over 3,000 homes to Lake Asbury in Clay County
News4Jax reported that Hyland Trail, along with the related Edenbrooke and The Glens communities, will bring more than 3,000 new homes to the Lake Asbury area of Clay County. Homes are being built by Dream Finders, Pulte and Lennar, with a Lodge amenity center featuring a beach-entry pool, splash zone, exercise facility and pickleball courts. Edenbrooke includes an age-restricted, low-maintenance home section.
What it may mean for the marketAdds a large volume of new single-family housing supply and a private amenity center to the Lake Asbury area, expanding for-sale inventory across a range of home sizes and price points. The project is about 7 miles south of Whisper Creek, elsewhere in Clay County.
Source: News4Jax - June 2026Infrastructure
First Coast Expressway advances as an economic-development corridor across Clay and St. Johns
The First Coast Expressway (State Road 23), a tolled beltway looping around the west and south of the Jacksonville metro, continued to open land for development along its corridor, with the final St. Johns County phase from Interstate 95 to east of County Road 2209 in progress. FDOT held a St. Johns County open house on the final phase in January 2026.
What it may mean for the marketNew limited-access highway capacity shortens commutes and opens adjacent land, changes that have historically shaped where new communities and demand concentrate. The site is about 9 miles southeast of Whisper Creek.
Source: Jax Daily Record - April 2026Development
Hillwood seeks to mass-grade an AllianceFlorida site for a possible 1 million-square-foot building
Hillwood asked to mass grade a site at AllianceFlorida at Cecil Commerce Center to prepare for a possible 1 million-square-foot building, a step that typically precedes a large industrial or distribution user committing to the Westside park.
What it may mean for the marketA build-ready million-square-foot pad points to a potential large employer on the Westside, the kind of jobs anchor that can lift demand for nearby housing. The site is about 7 miles northwest of Whisper Creek.
Source: Jax Daily Record
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 Creek buying strategy.
If we were buying in Whisper Creek 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 Creek.
Reading a thin market correctly
With only 7 closings in the current window, Whisper Creek is not a market where the headline stats should be read as gospel. The median price of $370,000 and median 46 days on market are real, but a two-listing active inventory means the next closing -- not a broader trend -- could reset both figures. Treat the 4.8 months of supply as directionally balanced rather than precise.
Context helps more than the snapshot alone. Homes here were built between 2002 and 2022 (median 2004), giving buyers a range of construction vintages under one community, and 60.9% of homes carry a homestead exemption -- a signal of a base of owner-occupied properties rather than a heavily investor-held one. Since 2012, cumulative appreciation of 168% puts Whisper Creek well ahead of where it started, even with the most recent year's 10.3% pullback.
The location and the amenities are priced into every listing in Whisper Creek. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Whisper Creek buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 5 factors (5.8). Basis: Long-Term Appreciation +168% since 2012; Recent Direction -10.3% year-over-year; Liquidity & Demand 4.8 months of supply; Owner Commitment 61% owner-occupied; Pricing Power 91.9% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a community running 7 closings and 2 active listings, generic search-portal averages are close to useless -- the median moves with every sale. Momentum tracks the realmls feed directly and knows which of those 7 closings are genuinely comparable to a given listing versus outliers skewing the number, which is the difference between pricing to a stale average and pricing to what is actually happening on the ground in Whisper Creek right now.
Whisper Creek 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 Creek 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 Creek sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Whisper Creek, 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 Creek home worth?
Get a no-obligation home value based on real comparable sales in Whisper Creek, 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 Creek on the map →
Frequently Asked Questions
What is the median home price in Whisper Creek?
How long do homes in Whisper Creek take to sell?
Is Whisper Creek a buyer's or seller's market right now?
How many homes are in Whisper Creek?
What share of Whisper Creek is owner-occupied?
When were the homes in Whisper Creek built?
Do cash buyers compete in Whisper Creek?
Have Whisper Creek home prices gone up?
What schools serve Whisper Creek?
Who is the best real estate agent for Whisper Creek?
How do I find a top Middleburg real estate agent who knows Whisper Creek?
Can Momentum Realty connect me with an agent for Whisper Creek?
Should you buy in Whisper Creek?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Whisper Creek with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: August 5, 2026) |
| Community market stats | realMLS closed sales, 12-month windows ending August 5, 2026 |
| Housing stock & ownership | Florida DOR 2025 assessment roll (street-list match (14 streets, ZIP 32065/32068/32084/32092)) |
| Under-contract shares | realMLS records, as of 2026-08-01 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2003 (311 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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