Whispering Creek
Homes for Sale in Middleburg, FL
All 369 homes for sale in Middleburg, FL · median $350,000 · 330 homes for sale in 32068 · Clay County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo courtesy of FLORIDA HOMES REALTY & MTG LLC · via realMLS
As of October 2026, the MLS records 3 closed sales in Whispering Creek in Middleburg, FL since 2022, the most recent in June 2026. Across Middleburg as a whole, 602 homes closed in the last 12 months at a median of $315,000, 46 median days on market, with 219 homes for sale today. At that median and Clay County's FY2025-26 rate of 15.05 mills, annual property tax runs about $4,740 ($4,150 with the full homestead exemption).
Whispering Creek sits in Middleburg, out in Clay County, and that location does a lot of the pricing work here. This is a market where condition and lot set value more than any headline number, so two homes on the same street can trade well apart depending on updates and how the property has been kept.
We do not have enough of a current pricing spread to hand you a range, and we would rather tell you that than invent one. Come in ready to underwrite each home on its own merits — recent systems, roof age, and finishes — rather than assuming a neighborhood-wide price. That posture protects buyers from overpaying and helps sellers set expectations honestly.
Nearby homes for sale
No active listings inside Whispering Creek right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Whispering Creek market snapshot (as of September 24, 2026): the median sale price is about $213K ($190 per sq ft over the trailing 12 months of closed sales), and a median 78 days on market for closed sales.
In ZIP 32068 (Middleburg), 1,340 homes closed in the last 12 months at a median of $315K ($183/sq ft), up 2.0% year over year, with a median 45 days on market. Right now 262 active and 116 pending listings put supply at about 5.1 months — a balanced market. See the live ZIP 32068 housing market and the Clay County market.
Whispering Creek is a community of 30 homes in Middleburg, Clay County, built between 2003 and 2005 (median 2004.0), with a median living area of about 2,499 square feet. 67% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Whispering Creek is a Middleburg community in Clay County, a part of Northeast Florida where you trade proximity to the urban core for more room and a quieter setting. Read each listing individually; the value story here is property-specific.
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
Whispering Creek
Whispering Creek
Whispering CreekPhotos from realMLS listings in Whispering Creek; content deemed reliable but not guaranteed.
Who Whispering Creek is best for.
Best for
- Buyers prioritizing lot size and a quieter setting over central location
- Buyers comfortable underwriting a home on its condition and systems rather than a set price band
- Owner-occupants planning to stay long enough for the commute tradeoff to be worth it
Probably not for
- Buyers who need to be close to downtown Jacksonville employment on a daily basis
- Buyers wanting a predictable, uniform price per home before touring
- Buyers unwilling to inspect and account for roof, HVAC, and water-system condition
Price History: What Homes Here Have Actually Sold For
Closed sales in Whispering Creek by trailing-12-month window ending September 24 of each year, from realMLS (Northeast Florida MLS) closing records. 4 homes closed in the current window at a median of $213,400. Aggregates only; individual closed sales are not shown.
| Window | Closings | Median sold | $ / sq ft | Median DOM | Typical size |
|---|---|---|---|---|---|
| 2026 | 4 | $213,400 | $190 | 78 days | 1,109 sq ft |
Source: realMLS closed listings, aggregated by Momentum Research. Deemed reliable but not guaranteed.
Housing distress & ownership in Whispering 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.
Recent Developments in Whispering Creek
Development, infrastructure, retail, and school activity affecting Whispering 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 less than a mile west of Whispering 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 14 miles south of Whispering 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 16 miles southeast of Whispering 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 less than a mile west of Whispering 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 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.
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 Whispering Creek.
What actually drives value in Whispering Creek
Middleburg is a drive-oriented, more rural stretch of Clay County, so how a home lives on its lot matters. Buyers here are usually weighing space and setting against commute time, and that tradeoff should shape what you are willing to pay for any given property.
Because the pricing picture is condition-driven rather than uniform, the smart move is to compare specific homes rather than the community as a whole. Look hard at the practical items — roof, HVAC, water systems common to outlying Clay County properties — because those line items, not the address alone, decide the real number.
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.
Why work with Momentum here
Momentum works Northeast Florida every day, and Clay County's outlying communities like Whispering Creek reward local knowledge. We will walk a property with you and flag the condition items that move price out here, and we will tell you plainly when a listing is priced ahead of what it offers — or when it is the one worth moving on.
Whispering Creek in 15 seconds.
HOA, CDD & Fees
- HOA dues reported around $24/month (about $288/yr) · median of 19 MLS listings, most billed annually
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $24 per month ($288 a year) — the median AssociationFee across 19 MLS records, normalised to a monthly figure; most are billed annually. 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 Middleburg →
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.
- 1414 Hawks Crest Drive · off market
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.
Frequently Asked Questions
What is the median home price in Whispering Creek?
How long do homes in Whispering Creek take to sell?
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 Middleburg 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?
How far is Whispering Creek from downtown Jacksonville and the beach?
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 | realMLS, refreshed twice daily (last: September 25, 2026) |
| Community market stats | realMLS closed sales, 12-month windows ending September 24, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 32068)) |
| Under-contract shares | realMLS records, as of 2026-09-24 |
| Historical depth | Closed-sale records back to 2022 (3 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 local comps.
Looking to buy here? Search homes for sale →
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See how Whispering Creek fits the bigger picture — live prices, inventory, and Momentum Scores:
Schools serving nearby communities
We do not have a confirmed school assignment for Whispering Creek. These are the public schools most often assigned to other communities in ZIP 32068; zones change and vary by address, so confirm with the district before you buy.
- Middleburg High School · 9-12 · FLDOE grade A (assigned to 56 nearby communities)
- Wilkinson Junior High School or your address-zoned middle school · Middle (assigned to 25 nearby communities)
- Wilkinson Junior High School · 7-8 · FLDOE grade A (assigned to 22 nearby communities)
- Middleburg Elementary School or your address-zoned elementary school · Elementary (assigned to 14 nearby communities)
- Tynes Elementary School · PreK-6 · FLDOE grade B (assigned to 11 nearby communities)
Assignments from district data for neighboring communities; grades are official Florida Department of Education school grades (2025-26).
Nearby Communities
Explore more neighborhoods near Whispering Creek with Momentum Realty’s local guides.