Whispering Lake
Homes for Sale in Crestview, FL
All 415 homes for sale in Crestview, FL · median $329,900 · 210 homes for sale in 32539 · Okaloosa County homes for sale
True comps, carrying-cost math, and listings before the portals.
Over the 12 months ending 2026-09-20, 3 recorded sales closed at a median of $245,000, a median 32 days on market, sellers accepting 98% of original asking. At the median price and Okaloosa County's FY2025-26 rate of 12.89 mills, annual property tax runs about $3,160 ($2,650 with the full homestead exemption).
| Location | Crestview, Okaloosa County, FL · ZIP 32539 |
|---|---|
| Homes in the community | 27 (FL DOR 2025 assessment roll) |
| Years built | 1979–2024 (median 1986) |
| Typical living area | 1,405 sq ft (median) |
| Sale prices, last 12 months | $245,000 median across 3 closed sales |
| Days on market (closed sales) | 32 median |
| Owner-occupied (homestead) share | 71% |
Data as of September 20, 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--okaloosa, data as of September 20, 2026.
Nearby homes for sale
No active listings inside WHISPERING LAKE right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Whispering Lake market snapshot (as of September 20, 2026): the median sale price is about $245K, and a median 32 days on market for closed sales.
In ZIP 32539 (Crestview), 527 homes closed in the last 12 months at a median of $323K, up 5.8% year over year, with a median 67 days on market. Right now 140 active and 52 pending listings put supply at about 4.2 months — a balanced market. See the live ZIP 32539 housing market and the Okaloosa County market.
Whispering Lake is a community of 27 homes in Crestview, Okaloosa County, built between 1979 and 2024 (median 1986), with a median living area of about 1,405 square feet. 71% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Housing distress & ownership in WHISPERING LAKE, Crestview
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.
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 closer look at the Whispering Lake market
Homes in Whispering Lake trade around a median of $245K, where condition and lot do more to set the final number than the asking price does.
The housing stock is 27 homes built between 1979 and 2024, and 71% of parcels are homesteaded — the owner-occupancy proxy in the Florida DOR assessment roll.
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.
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 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 Crestview →
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Okaloosa 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 · Okaloosa 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.
Frequently Asked Questions
What is the median home price in Whispering Lake?
How long do homes in Whispering Lake take to sell?
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 Crestview 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?
Data sources & freshness
| Community market stats | Emerald Coast MLS closed sales, 12-month windows ending September 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (2 streets, ZIP 32539)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2022 (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.
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 Emerald Coast MLS member average and 8 days faster, and we’ll price yours against live local comps.
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See how WHISPERING LAKE fits the bigger picture — live prices, inventory, and Momentum Scores:
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