Whispering Creek
Homes for Sale in Middleburg, FL
True comps, carrying-cost math, and listings before the portals.
Photo courtesy of FLORIDA HOMES REALTY & MTG LLC · via realMLS
As of September 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, 665 homes closed in the last 12 months at a median of $312,500, 46 median days on market, with 220 homes for sale today. At that median and Clay County's FY2025-26 rate of 15.05 mills, annual property tax runs about $4,700 ($4,110 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.
The 60-Second Overview
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.
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.
The setting & the homes.
Aerial and on-site photos of Whispering Creek. Swipe to explore the community.
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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
The market around Whispering Creek
Whispering Creek is too small for its own price trend, so here is the market around it.
In ZIP 32068, 475 homes are on the market and 27% are under contract — a steady corner of Middleburg.
Across Clay County, 1,221 homes are active and 475 pending (28% under contract).
ZIP and county figures describe the wider market, not Whispering Creek specifically. Momentum Research analysis of MLS records.
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 status not on record. Verify any dues before you offer
- 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.
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 homes for sale in Whispering Creek on the map →
Should you buy in Whispering Creek?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Whispering Creek with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: August 30, 2026) |
| Under-contract shares | realMLS records, as of 2026-08-30 |
| 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 your area comps.
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See how Whispering Creek fits the bigger picture — live prices, inventory, and Momentum Scores:
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.
Whispering Creek Market Scorecard
Whispering Creek is currently a no active listings market. Limited supply, a median asking price of n/a.
Typical home value in the 32068 ZIP is $328,619, 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.