Whispering Creek in Fort Pierce

Whispering Creek
Homes for Sale in Fort Pierce, FL

All 855 homes for sale in Fort Pierce, FL · median $315,000 · 43 homes for sale in 34946 · St. Lucie County homes for sale

Community in Fort Pierce · St. Lucie County · ZIP 34946
54 homesBuilt 1936–2010Median sale $45K
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Photo via Beaches MLS

Built fromLive Beaches MLS data11 years of closingsFL DOR public recordsUpdated twice daily

As of September 2026, Whispering Creek in Fort Pierce, FL has 4 homes for sale, asking from $49,000 to $59,000 (median $53,000). Over the 12 months ending 2026-09-20, 4 recorded sales closed at a median of $45,000, $60 per square foot, a median 47 days on market, sellers accepting 88% of original asking. Homes listed or recently sold were built 1960–2007; 8 of 8 report an HOA (median $255/mo); none of the 5 geocoded homes sit in a FEMA special flood hazard zone (median elevation 12 ft). At the median price and St. Lucie County's FY2025-26 rate of 22.85 mills, annual property tax runs about $1,030.

Whispering Creek key facts
LocationFort Pierce, St. Lucie County, FL · ZIP 34946, 34950
Homes in the community54 (FL DOR 2025 assessment roll)
Years built1936–2010 (median 1957.0)
Typical living area1,470 sq ft (median)
Home types (current listings and sales)manufactured homes 38%, mobile homes 25%, stock cooperative 25%
Amenities listed by sellersBocce Ball, Pool, Laundry, Shuffleboard Court, Community Room, Billiard Room
Sale prices, last 12 months$45,000 median across 4 closed sales · $60 per sq ft
Days on market (closed sales)47 median
For sale right now4 active, 0 pending · median asking $53,000 · 12.0 months of supply
Owner-occupied (homestead) share47%

Data as of September 20, 2026. All listings featuring the BMLS logo are provided by BeachesMLS, Inc. This information is not verified for authenticity or accuracy and is not guaranteed. Copyright © 2026 BeachesMLS, Inc; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Whispering Creek key facts,” movewithmomentum.com/neighborhoods/whispering-creek, data as of September 20, 2026.

Last 30 days in Whispering Creek: 1 new listing (median asking $54,000). As of September 26, 2026, All listings featuring the BMLS logo are provided by BeachesMLS, Inc. This information is not verified for authenticity or accuracy and is not guaranteed. Copyright © 2026 BeachesMLS, Inc.

Live · Whispering Creek Housing Pulse Beaches MLS + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Price
$45K
Median sold · 12 mo
$60/sf
Sold $/sqft · 12 mo
peak $60 in 2026
88.4%
Sale vs ask
Tempo
12.0mo
Supply
3 to 6 months is the balanced band
48days
Median DOM · closed
48 days at the 2026 low
0%
Under contract
St. Lucie: 23% (743 of 3,210)
4 · 0
For sale · pending
live counts, refreshed twice daily
4
Sold · last 12 mo
10-yr average: about 1 a year
Ownership and context
47%
Owner-occupied · Whispering Creek
27 of 57 parcels homesteaded (FL DOR 2025)
53%
Non-owner-occupied · Whispering Creek
incl. 35% trust or LLC-held · 4% out-of-state
54
Homes in the community
plus 3 vacant residential lots · 57 residential parcels (FL DOR 2025)
Track record · 11 years of records
6
Recorded sales · 2024-2024
median $350K · qualified sales on the county roll (FL DOR 2025)
Est. 1936
Community established
homes built 1936-2010, median 1957 (FL DOR 2025)
797sqft
Median sold home size
12-mo windows, closed sales
7.4%/yr
Turnover rate
about 4 of 54 homes trade a year

Homes For Sale Right Now in Whispering Creek

Live MLS inventory for Whispering 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 and pending Whispering Creek listings as of 2026-09-26, priced high to low. All listings featuring the BMLS logo are provided by BeachesMLS, Inc. This information is not verified for authenticity or accuracy and is not guaranteed. Copyright © 2026 BeachesMLS, Inc. Tap any home to ask about it.

Every Home for Sale in Whispering Creek Right Now (4)

All 4 active and pending Whispering Creek listings with a detail page, newest first, refreshed twice a day from the MLS.

Jon Brooks, founder of Momentum Realty
Jon's Current Read

Whispering Creek's $25,000 median and $58/sq ft tell you this is a manufactured-home or mobile-home park, not a stick-built subdivision. Price is driven entirely by the age, condition, and footprint of the unit; land is leased, so you're buying the structure and the right to occupy the lot. The three closings in the past ninety days show some turnover, but sixty-five days on market is longer than typical for well-priced park homes—buyers here are cautious and financing can be slow.

If you're shopping Whispering Creek, budget for lot rent (not captured in the purchase price), verify park rules on pets and modifications, and confirm the title is clear. For sellers, condition is everything: fresh paint and working systems move units; deferred maintenance sits. This is not a speculative asset—it's affordable shelter with low entry cost and monthly obligations that matter more than the sticker.

Whispering Creek Housing Pulse · Momentum Research · as of September 20, 2026

Whispering Creek right now

🟢 Buyer-leaning market. 12.0 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 Beaches MLS records, as of September 20, 2026. Confidence: Medium (4 active and pending listings, 4 closed sales in 12 months).

Jump to: Price history & scorecard · Homes for sale · Schools · FAQ

· Updated September 27, 2026 · Live data: Beaches MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

The 60-Second Overview

Whispering Creek market snapshot (as of September 20, 2026): the median sale price is about $45K ($60 per sq ft over the trailing 12 months of closed sales), a median 48 days on market for closed sales, and 12.0 months of supply, a buyer-leaning market.

In ZIP 34946 (Fort Pierce), 66 homes closed in the last 12 months at a median of $350K ($202/sq ft), down 4.3% year over year, with a median 34 days on market. Right now 20 active and 6 pending listings put supply at about 11.4 months — a buyer's market. See the live ZIP 34946 housing market and the St. Lucie County market.

County records show 6 qualified sales in Whispering Creek across 2024–2024, median $350,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.

Whispering Creek is a community of 54 homes in Fort Pierce, St. Lucie County, built between 1936 and 2010 (median 1957.0), with a median living area of about 1,470 square feet. 47% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).

Whispering Creek is a manufactured-home community in Fort Pierce where the median sale runs $25,000 and homes take just over two months to close—price reflects the unit itself, not underlying land.

Best for

  • Cash buyers or those with chattel-loan access prioritizing absolute minimum purchase price and immediate occupancy
  • Buyers comfortable with monthly lot rent in exchange for no property tax on land
  • Investors willing to buy, refurbish, and flip or rent units in a price-sensitive segment with predictable carrying costs

Probably not for

  • Buyers expecting equity growth or land appreciation—your asset is the structure, and depreciation is real
  • Anyone requiring conventional or FHA financing that treats the home as real property with land value
  • Buyers who want full control over exterior modifications, landscaping, or long-term certainty on monthly housing cost

Windows contain 0 to 6 sales each (4 in the current window); every figure carries its sample size, and thin markets swing on single closings. All listings featuring the BMLS logo are provided by BeachesMLS, Inc. This information is not verified for authenticity or accuracy and is not guaranteed. Copyright © 2026 BeachesMLS, Inc. Deemed reliable but not guaranteed.

Homes sold per 12-mo window
0246201620182020202220242026
0 to 6 a year; 4 in the current window.
How much local inventory is already under contract

25% of homes for sale in ZIP 34946 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 (2026-09-27).

Whispering Creek Market Scorecard

Buyer-leaning

Whispering Creek is currently a buyer-leaning market. About 12.0 months of supply, a median asking price of $53,000, and homes go under contract in about 125 days.

12.0
Months supply
$53,000
Median list
$45,000
Median sold
$90
List $/sqft
125
Days on mkt
4/0/4
Active/Pend/Sold

Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.

Live data: Beaches MLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.

Housing distress & ownership in Whispering Creek, Fort Pierce

Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.

Active inventory in distress
0.0%
0 of 9 listings
Distress share trend — 0.0% now (2026-09-13 → 2026-09-20)

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. All listings featuring the BMLS logo are provided by BeachesMLS, Inc. This information is not verified for authenticity or accuracy and is not guaranteed. Copyright © 2026 BeachesMLS, Inc. Deemed reliable but not guaranteed.

Listing locations from Beaches MLS. Map data © OpenStreetMap, tiles © CARTO.

If we were buying in Whispering Creek today, this is the order of operations we would run for our clients.

1

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.

2

Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.

3

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.

4

Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.

5

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 Whispering Creek.

Best Buy
Buyers seeking minimum entry cost and willing to manage monthly lot rent in exchange for ownership of the structure.
Biggest Risk
Lot rent is an uncontrolled expense—park operators can raise it, and resale value depends heavily on unit condition and park reputation.
Sweet Spot
A well-maintained double-wide with recent roof and HVAC work, priced at or below the median, in a park with stable rent history.
Avoid If
You need conventional financing, want land equity, or can't tolerate monthly fees that rival or exceed a mortgage payment.

What the $25K median really buys

The $25,000 median is the purchase price for the home structure; buyers also assume a monthly lot-rent obligation to the park operator, which typically covers common-area maintenance, water, and sometimes trash. That rent is the larger recurring cost and varies by park policy, so confirm the current rate and any planned increases before you write an offer. The transaction itself is simpler than a traditional home sale—no property taxes on land you don't own—but financing options are narrower (cash or chattel loans, rarely conventional mortgages).

The sixty-five-day median time on market suggests inventory moves deliberately, not quickly. Buyers in this price tier often need time to arrange financing, inspect the unit for roof and HVAC condition, and review park covenants. Three closings in ninety days means modest activity; it's not a hot market, and sellers should price to condition and be prepared to wait for the right buyer. Fort Pierce's location on the Treasure Coast keeps demand steady for affordable housing, but Whispering Creek competes on value and unit quality, not amenities or curb appeal.

“

The location and the amenities are priced into every listing in Whispering Creek. The deal is won or lost on condition, the comps, and the renovation math.

Jon Brooks · Founder, Momentum Realty
2.3D · Buy Score
Liquidity & Demand0.0/10
Owner Commitment4.7/10
Pricing Power2.3/10

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 3 factors (2.3). Basis: Liquidity & Demand 12.0 months of supply; Owner Commitment 47% owner-occupied; Pricing Power 88.4% sale-to-list. Refreshed with each data update.

Why work with Momentum here

Manufactured-home transactions have their own rhythm—title quirks, park approval processes, and financing that doesn't fit the conventional mold. Momentum brokers know which lenders work this segment, how to read a bill of sale versus a deed, and what park-approval timelines look like in St. Lucie County. We'll walk you through lot rent, community rules, and resale restrictions before you commit, and we price to move units without leaving money on the table. If you need straight answers about what $25,000 actually gets you, we'll give them.

Whispering Creek in 15 seconds.

Best forBuyers seeking minimum entry cost and willing to manage monthly lot rent in exchange for ownership of the structure.
Biggest advantageThe $25,000 median is among the lowest-barrier home purchases on the Treasure Coast, with closings that don't require land-transfer complexity.
Biggest riskLot rent is an uncontrolled expense—park operators can raise it, and resale value depends heavily on unit condition and park reputation.
Sweet spotA well-maintained double-wide with recent roof and HVAC work, priced at or below the median, in a park with stable rent history.
Avoid ifYou need conventional financing, want land equity, or can't tolerate monthly fees that rival or exceed a mortgage payment.

HOA, CDD & Fees

A note on who we are: Momentum Realty is a real estate brokerage. We are not the Whispering Creek homeowners association, its management company or its developer, and we cannot help with dues, gate access, violations, amenity bookings or association documents. To reach the association, check your closing package, the recorded declaration at the county clerk, or search the association’s name at sunbiz.org for its registered agent. Call or message us to buy or sell a home in Whispering Creek.
In short
  • HOA dues reported around $255/month (about $3,060/yr) · median of 46 MLS listings, most billed monthly
  • Any club/amenity membership is billed separately

Listings in this community report association dues of about $255 per month ($3,060 a year) — the median AssociationFee across 46 MLS records, normalised to a monthly figure; most are billed monthly. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-09.

Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.

The takeaway

Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Whispering Creek sales matched to your home.

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Frequently Asked Questions

What is the median home price in Whispering Creek?
The median sale price in Whispering Creek was $45K over the 12 months ending September 20, 2026 (4 closed sales, Beaches MLS).
How long do homes in Whispering Creek take to sell?
Homes that closed in the 12 months ending September 20, 2026 took a median 48 days on market (4 sales, Beaches MLS).
Is Whispering Creek a buyer's or seller's market right now?
As of September 20, 2026, Whispering Creek leans toward buyers: 12.0 months of supply at the current sales pace (Beaches MLS live counts).
How many homes are in Whispering Creek?
The Florida DOR 2025 assessment roll shows 54 homes plus 3 vacant residential lots in Whispering Creek (public records).
What share of Whispering Creek is owner-occupied?
47% of Whispering Creek parcels carry a homestead exemption on the 2025 Florida DOR roll, the owner-occupancy proxy in public records.
When were the homes in Whispering Creek built?
Homes in Whispering Creek were built between 1936 and 2010, with a median year built of 1957.0 (FL DOR 2025 roll).
Who is the best real estate agent for Whispering Creek?
The best agent for Whispering Creek is one who actively works Fort Pierce and knows the community's pricing, fees, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for Whispering Creek.
How do I find a top Fort Pierce real estate agent who knows Whispering Creek?
Share a few details in the form on this page. Momentum Realty has 320+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Whispering Creek and the wider Fort Pierce area.
Can Momentum Realty connect me with an agent for Whispering Creek?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Whispering Creek purchase or sale - no call center and no pressure.
Where is Whispering Creek, and what county is it in?
Whispering Creek is in Fort Pierce, St. Lucie County, FL, ZIP codes 34946, 34950. The community's center is about 2 miles north of the center of Fort Pierce (straight-line).
Cash buyers or those with chattel-loan access prioritizing absolute minimum purchase price and immediate occupancyExcellent fit
Buyers comfortable with monthly lot rent in exchange for no property tax on landExcellent fit
Investors willing to buy, refurbish, and flip or rent units in a price-sensitive segment with predictable carrying costsExcellent fit
Buyers expecting equity growth or land appreciation—your asset is the structure, and depreciation is realProbably not
Anyone requiring conventional or FHA financing that treats the home as real property with land valueProbably not
Buyers who want full control over exterior modifications, landscaping, or long-term certainty on monthly housing costProbably not

Data sources & freshness

Live listingsBeaches MLS, refreshed twice daily (last: September 26, 2026)
Community market statsBeaches MLS closed sales, 12-month windows ending September 20, 2026
Housing stock & ownershipFlorida DOR assessment roll (street-list match (1 streets, ZIP 34946/34950))
Under-contract sharesBeaches MLS records, as of 2026-09-20
Historical depthClosed-sale records back to 2015 (15 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 Beaches 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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Nearby Communities

Explore more neighborhoods near Whispering Creek with Momentum Realty’s local guides.

WCWhispering Creek Co Op0.1 mi awayBHBenjamin Hogg0.1 mi away · 1 for saleSLSan Lucie0.2 mi awaySSindons0.2 mi away · 12 homes, built 1955–73OSOlson S0.2 mi away · 17 homes, built 1949–72SLSan Lucie Plaza S D0.3 mi awayTTaylor0.3 mi away

Browse all neighborhood guides →

Thinking of selling in Whispering Creek? 4 recorded closings; median 47 days on market (window ending 2026-09-20). See the St. Lucie County sell-now-or-wait data, what made 201,552 Florida listings fail in the last 12 months, or compare a cash offer vs. listing. Compiled from MLS records; deemed reliable but not guaranteed.
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