Whispering Creek in St. Augustine

Whispering Creek
Homes for Sale in St. Augustine, FL

All 1,143 homes for sale in St. Augustine, FL · median $479,990 · 162 townhomes for sale in St. Augustine · 260 homes for sale in 32084 · St. Johns County homes for sale

Community in St. Augustine · St. Johns County · ZIP 32084
101 homesBuilt 2022–2023Median sale $213K
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True comps, carrying-cost math, and listings before the portals.

Photo courtesy of NEFLA NETWORK REALTY · via realMLS

Built fromLive realMLS data4 years of closingsFL DOR public recordsUpdated twice daily

As of October 2026, Whispering Creek in St. Augustine, FL has 5 homes for sale, asking from $235,000 to $284,000 (median $239,000). Over the 12 months ending 2026-10-01, 3 recorded sales closed at a median of $213,000, $192 per square foot, a median 74 days on market, sellers accepting 94% of original asking. Homes listed or recently sold were built 2022–2023; 8 of 8 report an HOA (median $94/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. Johns County's FY2025-26 rate of 13.47 mills, annual property tax runs about $2,870 ($2,350 with the full homestead exemption).

Live · Whispering Creek Housing Pulse realMLS + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Price
$213K
Median sold · 12 mo
$192/sf
Sold $/sqft · 12 mo
peak $231 in 2022
94.2%
Sale vs ask
St. Johns median: 96.0%
Tempo
20.0mo
Supply
3 to 6 months is the balanced band
74days
Median DOM · closed
37 days at the 2023 low
0%
Under contract
St. Johns: 29% (794 of 2,746)
5 · 0
For sale · pending
live counts, refreshed twice daily
3
Sold · last 12 mo
10-yr average: about 17 a year
Ownership and context
50%
Owner-occupied · Whispering Creek
50 of 101 parcels homesteaded (FL DOR 2025)
50%
Non-owner-occupied · Whispering Creek
incl. 4% trust or LLC-held · 13% out-of-state
101
Homes in the community
101 residential parcels (FL DOR 2025)
Track record · 4 years of records
4
Recorded sales · 2024-2025
median $245K · qualified sales on the county roll (FL DOR 2025)
Est. 2022
Community established
homes built 2022-2023, median 2022 (FL DOR 2025)
1,109sqft
Median sold home size
12-mo windows, closed sales
3.0%/yr
Turnover rate
about 3 of 101 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 2026-10-01, priced high to low. Source: Data provided by realMLS. Tap any home to ask about it.

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

With only two closings in the recent window, Whispering Creek trades thin. That means price here is set less by a broad market trend and more by the specific condition and configuration of whatever home happens to list. In a low-volume pocket like this, a single updated or dated property can swing the perceived value, so treat any one number as a data point rather than a rule.

For sellers, the posture is patience and presentation: with few comparables to lean on, condition and pricing discipline do the heavy lifting. For buyers, the same thinness cuts both ways — inventory is limited and you may wait for the right home, but you also have room to underwrite each listing on its own merits instead of chasing a crowded field.

Whispering Creek Housing Pulse · Momentum Research · as of October 1, 2026

Whispering Creek right now

🟢 Buyer-leaning market. 20.0 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 realMLS records, as of October 1, 2026. Confidence: Medium (5 active and pending listings, 3 closed sales in 12 months).

What's unique here: the median sale price is about 58% below the typical St. Johns County sale ($213K vs $505K, trailing 12 months, realMLS records).

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

· Updated October 2, 2026 · Live data: realMLS, 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 October 1, 2026): the median sale price is about $213K ($192 per sq ft over the trailing 12 months of closed sales), a median 74 days on market for closed sales, and 20.0 months of supply, a buyer-leaning market.

In ZIP 32084 (St. Augustine), 910 homes closed in the last 12 months at a median of $364K ($208/sq ft), up 1.0% year over year, with a median 55 days on market. Right now 170 active and 52 pending listings put supply at about 4.0 months — a balanced market. See the live ZIP 32084 housing market and the St. Johns County market.

County records show 4 qualified sales in Whispering Creek across 2024–2025 (2 in 2024, 2 in 2025), median $245,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.

Whispering Creek is a community of 101 homes in St. Augustine, St. Johns County, built between 2022 and 2023 (median 2022), with a median living area of about 1,219 square feet. 50% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).

Whispering Creek is a smaller St. Augustine enclave in St. Johns County where turnover is limited and each sale carries weight. As of mid-2026, only a couple of homes changed hands in the recent window, so this is a market you read one listing at a time.

Best for

  • Patient buyers willing to wait for the right home in a low-inventory pocket
  • Buyers who want to assess a property on condition and lot rather than market momentum
  • Sellers prepared to price with discipline and present a home in strong condition

Probably not for

  • Buyers needing to close quickly with several listings to choose from
  • Buyers who rely on a deep set of recent comparable sales to feel comfortable
  • Sellers expecting a fast sale driven by high neighborhood turnover

Windows contain 1 to 66 sales each (3 in the current window); every figure carries its sample size, and thin markets swing on single closings. Source: Data provided by realMLS. Deemed reliable but not guaranteed.

Every sale since 2022 · price vs size
$0$100K$200K$300K1k1k1k
86 closed sales; green = recent. Size sets the floor, condition and lot set the rest.

The real cost & risk here

Before the list price, the Florida math the portals skip. These are St. Johns County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.

$3,000/mo
St. Johns County typical true cost to own
$115/mo
St. Johns County typical home insurance
Check CDD
Confirm before you offer

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.

How much local inventory is already under contract

22% of homes for sale in ZIP 32084 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 (2026-10-01).

Whispering Creek Market Scorecard

Buyer-leaning

Whispering Creek is currently a buyer-leaning market. About 20.0 months of supply, a median asking price of $239,000, and homes go under contract in about 132 days.

20.0
Months supply
$239,000
Median list
$213,000
Median sold
$212
List $/sqft
132
Days on mkt
5/0/3
Active/Pend/Sold

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

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

Listing locations from realMLS. Map data © OpenStreetMap, tiles © CARTO.

Community amenities as reported across realMLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.

Schools

In short
  • St. Johns County Public Schools
  • Verify the zoned schools by address
  • Magnet and choice options may be available
  • Crookshank · Elementary
  • Sebastian · Middle
  • St. Augustine · High

Zoned schools reflect the assignments reported on recent Whispering Creek listings and can change; always confirm with St. Johns County Public Schools for a specific address.

Buying with schools in mind? We can confirm the exact zoned schools for any Whispering Creek address.

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 who can evaluate a home on its own merits and wait for the right one to list.
Biggest Risk
Thin trading makes value harder to pin down from neighborhood comps alone.
Sweet Spot
A well-kept home priced with discipline, supported by county-wide evidence.
Avoid If
You need immediate inventory or clean, plentiful comps to feel confident.

A thin-trading pocket

The defining feature of Whispering Creek right now is low transaction volume. Two closings over the window is not enough to draw a trend line, and it changes how you should approach both buying and selling. Rather than anchoring to an average, you evaluate the actual home in front of you — its updates, its lot, its layout — because those variables, not a market wave, are what move the price.

That also means timing is less predictable. When a home does list, the pool of directly comparable recent sales is small, which puts more weight on a broker who knows the surrounding St. Johns County corridors and can build a defensible value from adjacent evidence rather than from inside the neighborhood alone.

“

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
3.7D · Buy Score
Liquidity & Demand0.0/10
Owner Commitment5.0/10
Pricing Power6.2/10

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 (3.7). Basis: Liquidity & Demand 20.0 months of supply; Owner Commitment 50% owner-occupied; Pricing Power 94.2% sale-to-list. Refreshed with each data update.

Why work with Momentum here

In a low-volume community, the analysis is only as good as the surrounding market read, and that is where we earn our keep. We track St. Johns County closings well beyond Whispering Creek's own thin data, so we can price a listing or vet an offer when the neighborhood itself gives you almost nothing to work from — and we will tell you plainly when a home is over-asking or when patience is the smarter play.

Whispering Creek in 15 seconds.

Best forBuyers who can evaluate a home on its own merits and wait for the right one to list.
Biggest advantageLow turnover means you underwrite each property rather than fight a crowded field.
Biggest riskThin trading makes value harder to pin down from neighborhood comps alone.
Sweet spotA well-kept home priced with discipline, supported by county-wide evidence.
Avoid ifYou need immediate inventory or clean, plentiful comps to feel confident.

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 $94/month (about $1,128/yr) · median of 57 MLS listings, most billed quarterly
  • Any club/amenity membership is billed separately

Listings in this community report association dues of about $94 per month ($1,128 a year) — the median AssociationFee across 57 MLS records, normalised to a monthly figure; most are billed quarterly. 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.

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?

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.

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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. 3 on record.

Frequently Asked Questions

What is the median home price in Whispering Creek?
The median sale price in Whispering Creek was $213K over the 12 months ending October 1, 2026 (3 closed sales, realMLS).
How long do homes in Whispering Creek take to sell?
Homes that closed in the 12 months ending October 1, 2026 took a median 74 days on market (3 sales, realMLS).
Is Whispering Creek a buyer's or seller's market right now?
As of October 1, 2026, Whispering Creek leans toward buyers: 20.0 months of supply at the current sales pace (realMLS live counts).
How many homes are in Whispering Creek?
The Florida DOR 2025 assessment roll shows 101 homes in Whispering Creek (public records).
What share of Whispering Creek is owner-occupied?
50% 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 2022 and 2023, with a median year built of 2022 (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 St. Augustine 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 St. Augustine 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 St. Augustine 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 St. Augustine, St. Johns County, FL, ZIP 32084. The community's center is about 3 miles north of the center of St. Augustine (straight-line).
How far is Whispering Creek from downtown Jacksonville and the beach?
About 34 miles from downtown Jacksonville and about 3 miles from the Atlantic beach at Vilano Beach, both straight-line; driving distance is usually 15 to 30 percent more.
Patient buyers willing to wait for the right home in a low-inventory pocketExcellent fit
Buyers who want to assess a property on condition and lot rather than market momentumExcellent fit
Sellers prepared to price with discipline and present a home in strong conditionExcellent fit
Buyers needing to close quickly with several listings to choose fromProbably not
Buyers who rely on a deep set of recent comparable sales to feel comfortableProbably not
Sellers expecting a fast sale driven by high neighborhood turnoverProbably not

Data sources & freshness

Live listingsrealMLS, refreshed twice daily (last: October 1, 2026)
Community market statsrealMLS closed sales, 12-month windows ending October 1, 2026
Housing stock & ownershipFlorida DOR assessment roll (street-list match (3 streets, ZIP 32084))
Under-contract sharesrealMLS records, as of 2026-10-01
Historical depthClosed-sale records back to 2022 (86 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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CallFree valuation →
Thinking of selling in Whispering Creek? 3 recorded closings; median 74 days on market (window ending 2026-10-01). See the St. Johns 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.

Streets in this community

Street-level pages: every home on record, what sold and what is for sale on each street.

Nearby Communities

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

SVSebastian View St Augustine0.2 mi away · median $407K, 3 sales/12 moWoodlawn St Augustine0.2 mi away · 5 homes, built 1935–06Atcheson Estates St Augustine0.3 mi away · 73 homes, built 1925–24Heritage Hills St Augustine0.3 mi away · median $280K, 32 sales/12 moQuail Ridge St Augustine0.3 mi away · 83 homes, built 2006–08OSOld Sebastian Point St Augustine0.3 mi away · median $515K, 3 sales/12 moAGAlcazar Gardens St Augustine0.4 mi away · 70 homes, built 1925–24, 4 for saleSCSheppard Crosby St Augustine0.4 mi away · 155 homes, built 1920–24, 2 for sale

Browse all neighborhood guides →

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