Whispering Creek in Fort Pierce

Whispering Creek
Homes for Sale in Fort Pierce, FL

All 936 homes for sale in Fort Pierce, FL · median $325,000 · 32 homes for sale in 34946 · St. Lucie County homes for sale

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

Built fromLive Beaches MLS dataFL DOR public recordsUpdated twice daily

As of November 2026, Whispering Creek in Fort Pierce, FL has 3 homes for sale. Homes listed or recently sold were built 1960–2007; 8 of 8 report an HOA (median $255/mo); none of the 8 geocoded homes sit in a FEMA special flood hazard zone (median elevation 12 ft).

Last 30 days in Whispering Creek: 1 closed sale (median $48,500). As of November 7, 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)
Tempo
7.2mo
Supply
3 to 6 months is the balanced band
0%
Under contract
St. Lucie: 21% (734 of 3,504)
3 · 0
For sale · pending
live counts, refreshed twice daily
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 · 0 years of records
6
Recorded sales · 2024-2024
median $350K · qualified sales on the county roll (FL DOR 2025)
1936–2010
Years homes were built
median 1957 · county roll (FL DOR 2025)

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 2026-11-06, 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.

Jon Brooks, Co-Founder of Momentum Realty
Jon's Read · written July 16, 2026

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.

Figures in this note are as of July 16, 2026. The live market numbers elsewhere on this page update nightly and are newer.

Whispering Creek Housing Pulse · Momentum Research · as of November 6, 2026

Whispering Creek right now

🟢 Buyer-leaning market. 7.2 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 November 6, 2026. Confidence: Low (3 active and pending listings, 0 closed sales in 12 months).

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

· Updated November 7, 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 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.

BeachesMLS sales records identify 15 homes in Whispering Creek that have changed hands since 2019, built between 1960 and 2007 (median 1970), with a median living area of about 672 sq ft and a typical 2-bedroom, 1-bath layout. Source: BeachesMLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.

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.

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.

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

The market around Whispering Creek

Whispering Creek is too small for its own price trend, so here is the market around it.

In ZIP 34946, 52 homes are on the market and 36% are under contract — a fast-moving corner of Fort Pierce.

Across St. Lucie County, 2,770 homes are active and 734 pending (21% under contract).

In ZIP 34946 (Fort Pierce), 27 homes closed in the last 12 months at a median of $310K ($209/sq ft), with a median 18 days on market. Right now 3 active and 2 pending listings put supply at about 1.3 months — a healthy market. See the live ZIP 34946 housing market and the St. Lucie County market.

ZIP and county figures describe the wider market, not Whispering Creek specifically. Momentum Research analysis of MLS records.

Listing locations from Beaches MLS. Map data © OpenStreetMap contributors.

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

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.
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.

What is your Whispering Creek home worth?

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Real comps, not an automated estimate.

Recently off market in Whispering Creek

Homes in Whispering Creek 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. 1 on record.

Whispering Creek key facts
LocationFort Pierce, St. Lucie County, FL · ZIP 34946
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
For sale right now3 active, 0 pending · median asking $52,000 · 7.2 months of supply
Owner-occupied (homestead) share47%

Data as of November 6, 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 November 6, 2026.

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 7 listings
Distress share trend — 0.0% now (2026-09-13 → 2026-11-06)

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.

Just listed in Whispering Creek

The newest homes for sale in Whispering Creek right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.

Checked against the MLS nightly. All new listings in this market.

Every Home for Sale in Whispering Creek Right Now (3)

All 3 active and pending Whispering Creek listings with a detail page, newest first, refreshed twice a day from the MLS.

How much local inventory is already under contract

36% 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 (2026-11-07).

What it really costs to own in Whispering Creek

The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.

Property taxCurrent owners' bills run a median of $197/yr across 8 listings here (MLS tax records, 2026-11-07).
HOA duesMedian $255/month across 8 MLS listings (most billed monthly; 2026-11-07). Dues cover what the documents say they cover; ask for the budget and reserve study.
Home and flood insuranceThe average Citizens Property Insurance premium in Saint Lucie County is $2,332/yr (2,890 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction.
Roof and ageMedian build year 1971 across 8 listings. An original roof here would be about 55 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.

Estimated carrying cost at the median asking price, before the mortgage: about $466/month (tax $16, HOA $255, insurance $194). An estimate from the sources above, not a quote.

Email me new listings in Whispering Creek

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.

Equal Housing Opportunity. Every community is open to everyone; alerts are about homes, never about who lives here.

Ask an agent about Whispering Creek

Have a question about the homes, fees, rules or commute here? A Momentum agent who works Whispering Creek will answer, and the answer is published on this page for the next buyer.

Property facts only: homes, fees, rules, commute. Every community is open to everyone; agents do not answer questions about who lives here.

Frequently Asked Questions

Is Whispering Creek a buyer's or seller's market right now?
As of November 6, 2026, Whispering Creek leans toward buyers: 7.2 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 34946. The community's center is about 2 miles northeast 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: November 6, 2026)
Housing stock & ownershipFlorida DOR assessment roll (street-list match (1 streets, ZIP 34946))
Under-contract sharesBeaches MLS records, as of 2026-11-06
Historical depthClosed-sale records back to 2026 (2 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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