Whispering Creek Pines
Homes for Sale in Middleburg, FL
True comps, carrying-cost math, and listings before the portals.
As of September 2026, the MLS records 1 closed sale in Whispering Creek Pines in Middleburg, FL, the most recent in May 2015. Across Middleburg as a whole, 667 homes closed in the last 12 months at a median of $315,000, 47 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 Pines sits in Middleburg, out in Clay County where the pace and the lots tend to run wider than what you find closer to the river towns. With the data this thin, I won't pretend to hand you a price trend — what I can tell you is that in a small community like this, individual condition and lot specifics drive value more than any neighborhood-wide average would.
For a buyer, that means underwriting each listing on its own merits rather than assuming the last sale sets the mark. For a seller, it means presentation and honest pricing carry the day here; there isn't enough volume to let a stretch number correct itself quickly.
The 60-Second Overview
A Middleburg community in Clay County, well outside the denser Jacksonville-adjacent corridors, where the appeal is space and setting rather than walk-to-anything convenience.
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.
Who Whispering Creek Pines is best for.
Best for
- Buyers prioritizing lot size and a quieter Middleburg setting over convenience
- Commuter-tolerant buyers who plan around driving
- Buyers willing to underwrite a home on its own condition rather than a market average
Probably not for
- Buyers who need a short commute or walkable amenities
- Buyers who want deep comp data and predictable pricing before they commit
- Buyers seeking a dense, urban-style location
The market around Whispering Creek Pines
Whispering Creek Pines is too small for its own price trend, so here is the market around it.
In ZIP 32068, 459 homes are on the market and 27% are under contract — a steady corner of Middleburg.
Across Clay County, 1,267 homes are active and 451 pending (26% under contract).
ZIP and county figures describe the wider market, not Whispering Creek Pines specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Whispering Creek Pines, 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.
The Whispering Creek Pines buying strategy.
If we were buying in Whispering Creek Pines 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 Pines.
Reading a thin-data market
Middleburg is squarely commuter and semi-rural Clay County territory. That location shapes everything about a purchase here: you trade proximity for lot size and quiet, and you plan your days around driving. Buyers who value that tradeoff tend to be happy; buyers who don't should know it going in.
Because this is a small community with limited public data, the smart move is to treat each home as its own case. Verify condition, systems, lot, and any HOA specifics directly rather than leaning on averages. We would rather walk a property with you than quote you a number the data doesn't actually support.
The location and the amenities are priced into every listing in Whispering Creek Pines. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a low-volume Clay County community, comps are scarce and easy to misread. We work the on-the-ground detail — condition, lot, and location within Middleburg — instead of leaning on a headline number, and we will tell you plainly when a listing is priced ahead of what it can support.
Whispering Creek Pines 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 Pines 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 Pines 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 Pines, 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 Pines home worth?
Get a no-obligation home value based on real comparable sales in Whispering Creek Pines, 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 →
Should you buy in Whispering Creek Pines?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Under-contract shares | realMLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2015 (1 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.
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See how Whispering Creek Pines 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.