Whispering Creek
Homes for Sale in Fort Pierce, FL
All 903 homes for sale in Fort Pierce, FL · median $325,000 · 29 homes for sale in 34946 · St. Lucie County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via Beaches MLS
As of October 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 8 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.
Last 30 days in Whispering Creek: 1 new listing (median asking $54,000). As of October 16, 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.
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 · 125 daysTop listing
Active · 0 days
Active · 31 days
Active · 126 daysActive and pending Whispering Creek listings as of 2026-10-14, 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.

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 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 October 16, 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.
The setting & the homes.
Aerial and on-site photos of Whispering Creek. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Photos from Beaches MLS listings in Whispering Creek; content deemed reliable but not guaranteed.
Who Whispering Creek is best for.
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
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 20 of each year, from record-level Beaches MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($45K) IS the median in the snapshot above.
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.
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 (2026-10-14).
Whispering Creek Market Scorecard
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.
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.
Whispering 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 Beaches MLS. Map data © OpenStreetMap contributors.
The Whispering Creek buying strategy.
If we were buying in Whispering 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.
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.
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 Whispering Creek.
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.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Whispering 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 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.
What it really costs to own in Whispering CreekHomes for Sale
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| Property tax | Current owners' bills run a median of $197/yr across 8 listings here (MLS tax records, 2026-10-16). |
|---|---|
| HOA dues | Median $255/month across 124 MLS listings (most billed monthly; 2026-10-15). Dues cover what the documents say they cover; ask for the budget and reserve study. |
| Home and flood insurance | The 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 age | Median 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 CreekHomes for Sale
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.
Ask an agent about Whispering CreekHomes for Sale
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Whispering CreekHomes for Sale will answer, and the answer is published on this page for the next buyer.
HOA, CDD & Fees
- HOA dues reported around $255/month (about $3,060/yr) · median of 124 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 124 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, 2026-10.
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Whispering 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 Whispering Creek sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Whispering 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 Whispering Creek home worth?
Get a no-obligation home value based on real comparable sales in Whispering 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 all homes for sale in Fort Pierce →
| Location | Fort Pierce, St. Lucie County, FL · ZIP 34946, 34950 |
|---|---|
| Homes in the community | 54 (FL DOR 2025 assessment roll) |
| Years built | 1936–2010 (median 1957.0) |
| Typical living area | 1,470 sq ft (median) |
| Home types (current listings and sales) | manufactured homes 38%, mobile homes 25%, stock cooperative 25% |
| Amenities listed by sellers | Bocce 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 now | 4 active, 0 pending · median asking $53,000 · 12.0 months of supply |
| Owner-occupied (homestead) share | 47% |
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.
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.
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.
- 2023 St Lucie Boulevard #163 $54,000 · 2 bd · 1 ba · 598 sq ft · 27 days on market Courtesy of Divito Real Estate Group
- 2023 St Lucie Boulevard #Unit 169 $52,000 · 1 bd · 1 ba · 532 sq ft · 58 days on market Courtesy of Divito Real Estate Group
- 2023 Saint Lucie Boulevard #186 $59,000 · 2 bd · 1 ba · 784 sq ft · 152 days on market Courtesy of A&A International Realty Group
- 2023 St Lucie Boulevard #125 $49,000 · 2 bd · 1 ba · 800 sq ft · 153 days on market Courtesy of A&A International Realty Group
Checked against the MLS Oct 16, 2026. All new listings in this market.
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.
- 2023 St Lucie Boulevard #163 · $54,000 · 2 bd / 1 ba · listed Sep 20, 2026 · listed by Divito Real Estate Group
- 2023 St Lucie Boulevard #Unit 169 · $52,000 · 1 bd / 1 ba · listed Aug 20, 2026 · listed by Divito Real Estate Group
- 2023 Saint Lucie Boulevard #186 · $59,000 · 2 bd / 1 ba · listed Jul 16, 2026 · listed by A&A International Realty Group
- 2023 St Lucie Boulevard #125 · $49,000 · 2 bd / 1 ba · listed Jul 16, 2026 · listed by A&A International Realty Group
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Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- St Lucie Boulevard (1 homes on record)
Frequently Asked Questions
What is the median home price in Whispering Creek?
How long do homes in Whispering Creek take to sell?
Is Whispering Creek a buyer's or seller's market right now?
How many homes are in Whispering Creek?
What share of Whispering Creek is owner-occupied?
When were the homes in Whispering Creek built?
Who is the best real estate agent for Whispering Creek?
How do I find a top Fort Pierce real estate agent who knows Whispering Creek?
Can Momentum Realty connect me with an agent for Whispering Creek?
Where is Whispering Creek, and what county is it in?
Should you buy in Whispering Creek?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | Beaches MLS, refreshed twice daily (last: October 14, 2026) |
| Community market stats | Beaches MLS closed sales, 12-month windows ending September 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 34946/34950)) |
| Under-contract shares | Beaches MLS records, as of 2026-09-20 |
| Historical depth | Closed-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.
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 Beaches MLS member average and 8 days faster, and we’ll price yours against live local comps.
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See how Whispering Creek fits the bigger picture — live prices, inventory, and Momentum Scores:
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