Whispering Creek
Homes for Sale in St. Augustine, FL
True comps, carrying-cost math, and listings before the portals.
Photo courtesy of NEFLA NETWORK REALTY · via realMLS
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 · 151 daysTop listing
Active · 228 days
Active · 48 days
Active · 182 daysActive and pending Whispering Creek listings as of 2026-10-21, priced high to low. Source: Data provided by realMLS. Tap any home to ask about it.
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.
Figures in this note are as of July 12, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Whispering Creek right now
🟢 Buyer-leaning market. 16.0 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 23, 2026. Confidence: Medium (4 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 23, 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 23, 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 16.0 months of supply, a buyer-leaning market.
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.
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
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Whispering CreekPhotos from realMLS listings in Whispering Creek; content deemed reliable but not guaranteed.
Who Whispering Creek is best for.
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
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending October 23 of each year, from record-level realMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($213K) IS the median in the snapshot above.
Windows contain 1 to 61 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.
23% 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 (2026-10-20).
Whispering Creek Market Scorecard
Whispering Creek is currently a buyer-leaning market. About 16.0 months of supply, a median asking price of $237,000, and homes go under contract in about 182 days.
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.
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 realMLS. Map data © OpenStreetMap contributors.
Life at Whispering Creek
- Restaurant · reported on 1 of 4 listings
- Maintenance Grounds · reported on 1 of 4 listings
Community amenities as reported across realMLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
Schools
- 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.
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.
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.
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 (3.7). Basis: Liquidity & Demand 16.0 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.
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 →
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 October 2026.
- October 2026Market
St. Johns County denies 4,462-acre Palm Valley farmland housing application under new state enclave law
Commissioners denied 3-2 on Sept. 15 the 4,462-acre Palm Valley application near Nocatee under the state agricultural enclave law, and the county plans to fight it in court. Another proposal of nearly 1,200 acres and about 15,000 homes south of St. Augustine was approved in August, then denied 3-2 on Sept. 28. St. Johns County has received 16 applications under the law.
What it may mean for the marketThe outcome of these applications will shape how much new housing supply can be added on rural land in the county. The site is about 11 miles northeast of Whispering Creek.
Source: Jacksonville Today - September 2026Development
UF Health Durbin Park 99-bed hospital opens in northern St. Johns County; Baptist Silverleaf adds emergency department
UF Health Durbin Park, a 99-bed hospital with a 24-hour emergency department on 42.5 acres, held its ribbon-cutting and opens the following week. Baptist Health's Silverleaf campus, about 10 miles south, is adding an emergency department, and AdventHealth and Acadia Health have also opened facilities near I-95. The county's population has grown more than 25% since 2020.
What it may mean for the marketNew hospital and emergency capacity shortens drive times to emergency care and adds healthcare jobs in northern St. Johns County. The site is about 4 miles east of Whispering Creek.
Source: Jacksonville Today - August 2026Schools
St. Johns County school board moves ahead with design of SilverLeaf-area high school costing about $100 million
The board approved moving forward with design and architecture for a high school on Parcel 38, with cost estimated at roughly $100 million and possibly up to $120 million as design progresses. Construction is expected to take about three years. A board workshop on full project scope is being prepared.
What it may mean for the marketA new high school in the SilverLeaf area would add school capacity for the fast-growing northwest part of the county. The site is about 4 miles south of Whispering Creek.
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 10 miles southwest of Whispering Creek.
Source: Jax Daily Record - May 2026Retail & Dining
Grocery-anchored retail center proposed in Durbin Park
A grocery-anchored retail center was proposed at Durbin Park, the large mixed-use development near Interstate 95 and County Road 210 in northern St. Johns County, adding to the district's existing stores, restaurants, and Walmart-anchored core.
What it may mean for the marketAdded grocery and retail at Durbin Park deepens everyday conveniences in northern St. Johns County, an amenity factor that can support demand for surrounding communities. The site is about 4 miles east of Whispering Creek.
Source: Jax Daily Record - February 2026Retail & Dining
Durbin Park Walmart plans an expansion
The Walmart anchoring Durbin Park filed plans to expand in early 2026, reinforcing the retail core of the Interstate 95 and County Road 210 district in northern St. Johns County.
What it may mean for the marketInvestment in Durbin Park's retail anchor signals continued commercial strength in northern St. Johns County, which can reinforce the appeal of nearby residential areas. The site is about 4 miles east 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.
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 St. Augustine real estate agent who knows Whispering Creek?
Can Momentum Realty connect me with an agent for Whispering Creek?
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: October 21, 2026) |
| Community market stats | realMLS closed sales, 12-month windows ending October 23, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (3 streets, ZIP 32084)) |
| Under-contract shares | realMLS records, as of 2026-10-20 |
| Historical depth | Closed-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.
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