Whispering Lake
Homes for Sale in Santa Rosa Beach, FL
All 758 homes for sale in Santa Rosa Beach, FL · median $1,125,000 · 781 homes for sale in 32459 · Walton County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via Emerald Coast MLS
As of November 2026, Whispering Lake in Santa Rosa Beach, FL has 2 homes for sale. Over the 12 months ending 2026-11-09, 4 recorded sales closed at a median of $490,000, a median 144 days on market, sellers accepting 91% of original asking. Homes listed or recently sold were built 2012–2014; 7 of 7 report an HOA (median $87/mo); none of the 7 geocoded homes sit in a FEMA special flood hazard zone (median elevation 16 ft). At the median price and Walton County's FY2025-26 rate of 9.758 mills, annual property tax runs about $4,780 ($4,400 with the full homestead exemption).
Whispering Lake is a small, tightly built pocket in Santa Rosa Beach — 84 homes, all built in a compact window between 2011 and 2015. That consistency is the story: floor plans and construction era are similar across the community, so what actually moves price here is condition, finish level, and lot position rather than age or vintage. With a median around 2,282 square feet, these are substantial homes, and the spread you see in pricing tends to track updates and upkeep more than square footage.
Inventory is thin — one active listing as of late July 2026, against a community that has seen only a couple of closings in the recent window. For sellers, that scarcity is leverage, but it also means each sale sets the tone with little comparable data behind it. For buyers, patience matters: you may wait for the right home to come up, and when it does, you will be pricing against a very short recent record. Come in ready to move and ready to justify your number on condition.
Figures in this note are as of July 25, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Whispering Lake right now
🟡 Balanced market. 4.8 months of supply and 0% of the inventory already under contract put buyers and sellers on roughly even footing.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 Emerald Coast MLS records, as of November 9, 2026. Confidence: Medium (2 active and pending listings, 4 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated November 13, 2026 · Live data: Emerald Coast MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Whispering Lake market snapshot (as of November 9, 2026): the median sale price is about $490K, a median 144 days on market for closed sales, and 4.8 months of supply, a balanced market.
In ZIP 32459 (Santa Rosa Beach), 195 homes closed in the last 12 months at a median of $837K, with a median 69 days on market. Right now 159 active and 24 pending listings put supply at about 9.8 months — a soft market. See the live ZIP 32459 housing market and the Walton County market.
County records show 11 qualified sales in WHISPERING LAKE across 2024–2025 (8 in 2024, 3 in 2025), median $500,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Whispering Lake is a community of 84 homes in Santa Rosa Beach, Walton County, built between 2011 and 2015 (median 2012.0), with a median living area of about 2,282 square feet. 71% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
A compact community of 84 homes built within a five-year window, Whispering Lake reads as a cohesive, established enclave in Santa Rosa Beach — the kind of place where most homes are owner-occupied and turnover is low.
The setting & the homes.
Aerial and on-site photos of Whispering Lake. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Whispering LakePhotos from Emerald Coast MLS listings in Whispering Lake; content deemed reliable but not guaranteed.
Who Whispering Lake is best for.
Best for
- Buyers seeking a primary residence in newer construction who value low turnover over a large selection
- Buyers with a budget aligned to the community's median who want space around 2,282 square feet
- Patient buyers willing to wait for the right home in a low-inventory pocket
Probably not for
- Buyers who want community amenities like pools or clubhouses baked into their purchase
- Buyers needing a broad range of home ages, sizes, or price points to compare
- Buyers on a compressed timeline who cannot wait for limited inventory to turn over
Homes For Sale Right Now in Whispering Lake
Live MLS inventory for Whispering Lake. 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 Lake listings as of 2026-11-12, priced high to low. Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate. Tap any home to ask about it.
Whispering Lake on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Emerald Coast MLS. Map data © OpenStreetMap contributors.
Schools
- Walton County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Dune Lakes · Elementary
- Emerald Coast · Middle
- South Walton · High
Zoned schools reflect the assignments reported on recent Whispering Lake listings and can change; always confirm with Walton County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Whispering Lake address.
Shop the zone: Homes zoned for South Walton High School
The Whispering Lake buying strategy.
If we were buying in Whispering Lake 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 Lake.
A uniform-vintage pocket where condition drives price
Because every home here dates to roughly 2011–2015, buyers are largely comparing like against like on age and structural era. The differentiators are the ones you can walk through and see: kitchen and bath updates, flooring, outdoor space, and lot placement. That makes a careful walkthrough and a sharp read on renovation cost more valuable here than in a community with a wider build spread.
A homestead share near 71 percent tells you this is predominantly a live-in community rather than a rental-heavy one, which tends to correlate with steadier upkeep and lower turnover. No community amenities surface in current MLS listings, so value here rests on the homes themselves and the Santa Rosa Beach location, not on shared facilities you would pay to maintain.
The location and the amenities are priced into every listing in Whispering Lake. 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 Lake 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 (5.5). Basis: Liquidity & Demand 4.8 months of supply; Owner Commitment 71% owner-occupied; Pricing Power 91.2% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a community this small with this little recent sales data, the analysis lives in the details — condition, finish, and lot — not in a stack of comps. We know how to price against a thin record, how to read what a renovation actually costs, and how to keep you from overpaying or underpricing when a single sale can set the market. That is the work we do before you write or accept an offer.
Whispering Lake in 15 seconds.
Tools for a Whispering Lake 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 Lake sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Whispering Lake, 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 Lake home worth?
Get a no-obligation home value based on real comparable sales in Whispering Lake, 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 Santa Rosa Beach →
Recently off market in WHISPERING LAKE
Homes in WHISPERING LAKE 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.
- 107 Lullaby Loop · off market
- 169 Whispering Lake Drive · off market
- 214 Whispering Lake Drive · off market
| Location | Santa Rosa Beach, Walton County, FL · ZIP 32459 |
|---|---|
| Homes in the community | 84 (FL DOR 2025 assessment roll) |
| Years built | 2011–2015 (median 2012.0) |
| Typical living area | 2,282 sq ft (median) |
| Home types (current listings and sales) | detached single family 100% |
| Amenities listed by sellers | Dock, Fishing, Pets Allowed, Short Term Rental - Not Allowed, Picnic Area, TV Cable |
| Sale prices, last 12 months | $490,000 median across 4 closed sales |
| Days on market (closed sales) | 144 median |
| For sale right now | 2 active, 0 pending · median asking $612,400 · 4.8 months of supply |
| Owner-occupied (homestead) share | 71% |
Data as of November 9, 2026. Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Whispering Lake key facts,” movewithmomentum.com/neighborhoods/whispering-lake, data as of November 9, 2026.
Housing distress & ownership in WHISPERING LAKE, Santa Rosa Beach
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. Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate. Deemed reliable but not guaranteed.
Every Home for Sale in Whispering Lake Right Now (2)
All 2 active and pending Whispering Lake listings with a detail page, newest first, refreshed twice a day from the MLS.
- 355 Whispering Lake Drive · $684,900 · 5 bd / 3 ba · listed Sep 1, 2026 · listed by RE/MAX Agency One
- 250 Veterans Road · $539,900 · 3 bd / 2 ba · pending · listed Aug 14, 2026 · listed by Watersound Real Estate
Recently sold in Whispering Lake
- 214 Whispering Lake Drive · sold $505,000
- 107 Lullaby Loop · sold $460,000
- 169 Whispering Lake Drive · sold $675,000
Closed sales from the MLS; each page shows the sold price, taxes and value history.
More Santa Rosa Beach home searches
- All homes for sale in Santa Rosa Beach, FL
- Homes for sale in Walton County, FL
- Santa Rosa Beach pool homes for sale
- Santa Rosa Beach home values: what is my house worth?
- ZIP 32459 housing scorecard
Santa Rosa Beach guides & data
- Market data
- Best neighborhoods (ranked by data)
- Flood zones
- Property taxes (Walton County)
- Homestead exemption (Walton County)
- Home insurance cost
- New construction
- New construction (Walton County)
Florida buyer guides
- Florida home insurance rates by county
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
- Florida housing market map
- Interactive housing market map (county, ZIP and community)
- Save Our Homes tax estimator
- How to stop a foreclosure in Florida
- Florida documentary stamp tax, explained
- Cheapest places to live in Florida
Real estate agent in Santa Rosa Beach? Join Momentum in Santa Rosa Beach: 100% commission, one $12K cap.
Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Whispering Lake Drive (39 homes on record)
- Whispering Lake Drive (1 homes on record)
What it really costs to own in Whispering Lake
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| Property tax | Current owners' bills run a median of $2,486/yr across 4 listings here (MLS tax records, 2026-11-13). |
|---|---|
| HOA dues | Median $87/month across 5 MLS listings (most billed quarterly; 2026-11-13). Dues cover what the documents say they cover; ask for the budget and reserve study. |
| Home and flood insurance | The average Citizens Property Insurance premium in Walton County is $1,942/yr (433 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. |
| Roof and age | Median build year 2013 across 5 listings. An original roof here is about 13 years old: still inside the 15-year window Florida carriers use, but ask for the roof's permit date before you bind coverage. |
Email me new listings in Whispering Lake
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Whispering Lake
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Whispering Lake will answer, and the answer is published on this page for the next buyer.
17% of homes for sale in ZIP 32459 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 (2026-11-12).
Frequently Asked Questions
What is the median home price in Whispering Lake?
How long do homes in Whispering Lake take to sell?
Is Whispering Lake a buyer's or seller's market right now?
How many homes are in Whispering Lake?
What share of Whispering Lake is owner-occupied?
When were the homes in Whispering Lake built?
Who is the best real estate agent for Whispering Lake?
How do I find a top Santa Rosa Beach real estate agent who knows Whispering Lake?
Can Momentum Realty connect me with an agent for Whispering Lake?
Where is Whispering Lake, and what county is it in?
Should you buy in Whispering Lake?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | Emerald Coast MLS, refreshed twice daily (last: November 12, 2026) |
| Community market stats | Emerald Coast MLS closed sales, 12-month windows ending November 9, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (3 streets, ZIP 32459)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-11-09 |
| Historical depth | Closed-sale records back to 2026 (4 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 Emerald Coast MLS 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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See how WHISPERING LAKE fits the bigger picture — live prices, inventory, and Momentum Scores: