Whispering Lakes Estates
Homes for Sale in Crestview, FL
All 415 homes for sale in Crestview, FL · median $329,800 · 260 homes for sale in 32539 · Okaloosa County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of October 2026, Whispering Lakes Estates in Crestview, FL has 1 home for sale. As of October 2026, the MLS records 15 closed sales in Whispering Lakes Estates in Crestview, FL since 2002, the most recent in June 2025. Across Crestview as a whole, 571 homes closed in the last 12 months at a median of $321,973, 71 median days on market, with 398 homes for sale today. At that median and Okaloosa County's FY2025-26 rate of 12.89 mills, annual property tax runs about $4,150 ($3,640 with the full homestead exemption).
Price here is driven by the individual home, not the address. With a build range running from 1945 to 2024 and a median year built of 1984, Whispering Lakes Estates is a mix of older stock and newer infill, so condition, updates, and lot do most of the work in setting value. The median living area sits around 1,417 square feet, which points to modest, practical floor plans rather than large-format houses.
Right now there is a single active listing and no recorded closings in the current window, so this is a thin, slow-moving market. That cuts both ways: sellers face little visible competition but also few comparable sales to anchor a price, and buyers should expect to negotiate on the merits of the specific house rather than lean on a busy sales trend.
Figures in this note are as of July 26, 2026. The live market numbers elsewhere on this page update nightly and are newer.
The 60-Second Overview
Whispering Lakes Estates is a small Crestview community of 118 homes spanning nearly eight decades of construction, where age and condition vary widely from house to house. A homestead share just over 60% suggests most homes here are owner-occupied rather than held as rentals.
Emerald Coast MLS sales records identify 12 homes in WHISPERING LAKES ESTATES that have changed hands since 2006, built between 1979 and 1999 (median 1984), with a median living area of about 1,206 sq ft and a typical 3-bedroom, 2-bath layout; 100% are single-family homes. Source: Emerald Coast MLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
County records show 6 qualified sales in WHISPERING LAKES ESTATES across 2024–2025 (4 in 2024, 2 in 2025), median $258,500 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
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 Lakes Estates is best for.
Best for
- Buyers seeking a compact, practical home who can judge a property on condition rather than an address
- Owner-occupants planning to stay put, in line with the community's owner-occupied lean
- Renovation-minded buyers willing to take on an older house and add value themselves
Probably not for
- Buyers who want amenity-rich, master-planned surroundings
- Investors needing steady comparable sales and quick resale liquidity
- Buyers set on large, newer-construction floor plans across the board
The market around Whispering Lakes Estates
Whispering Lakes Estates is too small for its own price trend, so here is the market around it.
In ZIP 32539, 360 homes are on the market and 24% are under contract — a steady corner of Crestview.
Across Okaloosa County, 1,890 homes are active and 551 pending (23% under contract).
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.
ZIP and county figures describe the wider market, not Whispering Lakes Estates specifically. Momentum Research analysis of MLS records.
The Whispering Lakes Estates buying strategy.
If we were buying in Whispering Lakes Estates 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 Lakes Estates.
A mixed-vintage pocket where the house sets the price
The defining feature of this community is spread. When homes range from 1945 to 2024 with a median build year of 1984, you are not shopping a uniform subdivision — you are evaluating each property on its own terms. Expect meaningful gaps between a mid-century house that has been left largely original and a recent build, and price accordingly. There are no community amenities identified from current MLS listings, so value lives entirely in the structure and the lot.
At a median of roughly 1,417 square feet, floor plans skew toward compact and functional. That size, combined with the owner-occupied tilt implied by the homestead share, tends to mean homes that have been lived in and maintained rather than churned. The practical takeaway: budget for inspection findings on the older end of the range, and reward the sellers who have actually updated.
The location and the amenities are priced into every listing in Whispering Lakes Estates. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community this thin on active listings and recent closings, generic pricing tools have almost nothing to work with. We price and negotiate off the specifics — build year, condition, updates, and lot — because that is what actually moves value here. Whether you are the lone seller on the market or a buyer with no crowd to compete against, we build the case from the house itself.
Whispering Lakes Estates 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 Lakes Estates 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 Lakes Estates sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Whispering Lakes Estates, 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 Lakes Estates home worth?
Get a no-obligation home value based on real comparable sales in Whispering Lakes Estates, 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 →
Recently off market in WHISPERING LAKES ESTATES
Homes in WHISPERING LAKES ESTATES 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. 1 on record.
- 6071 Sonny Lane · off market
| Location | Crestview, Okaloosa County, FL · ZIP 32539 |
|---|---|
| Homes in the community | 118 (FL DOR 2025 assessment roll) |
| Years built | 1945–2024 (median 1984.0) |
| Typical living area | 1,417 sq ft (median) |
| For sale right now | 1 active, 0 pending · median asking $279,900 |
| Owner-occupied (homestead) share | 62% |
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 Lakes Estates key facts,” movewithmomentum.com/neighborhoods/whispering-lakes-estates, data as of September 20, 2026.
Housing distress & ownership in WHISPERING LAKES ESTATES, 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.
More Crestview home searches
- All homes for sale in Crestview, FL
- Homes for sale in Okaloosa County, FL
- Crestview waterfront homes for sale
- Gated communities in Crestview
- Homes under $300K in Crestview
- Homes from $300K to $500K in Crestview
- 4-bedroom homes for sale in Crestview
- Crestview home values: what is my house worth?
- ZIP 32539 housing scorecard
- 2 coming-soon communities in Okaloosa County
Crestview guides & data
- Market data
- Best neighborhoods (ranked by data)
- Property taxes (Okaloosa County)
- Homestead exemption (Okaloosa County)
- Home insurance cost
- New construction
- New construction (Okaloosa County)
- ZIP codes
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
Real estate agent in Crestview? Join Momentum in Crestview: 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.
- Auburn Road (2 homes on record)
Email me new listings in Whispering Lakes Estates
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 Lakes Estates
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Whispering Lakes Estates will answer, and the answer is published on this page for the next buyer.
Recent Developments in Whispering Lakes Estates
Development, infrastructure, retail, and school activity affecting Whispering Lakes Estates, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated October 2026.
- October 2026Infrastructure
Okaloosa County stabilizes 180 miles of dirt roads in north county
Okaloosa County has stabilized 180 miles of dirt roads using the voter-approved infrastructure surtax, more than triple the original goal of 50 miles in five years. The roads received a limerock base topped with chip-seal or hot-mix, and the county says only a handful of roads remain. The work is in north Okaloosa County.
What it may mean for the marketPaved rural roads in north Okaloosa could improve year-round access and reduce road maintenance costs for areas near Crestview. The site is about 2 miles north of Whispering Lakes Estates.
Source: Get The Coast - October 2026Parks & Amenities
Okaloosa and Cinco Bayou open upgraded boat ramp with new trailer parking
Okaloosa County and the Town of Cinco Bayou held a ribbon cutting for upgraded boat ramp facilities, including 16 new boat trailer parking spaces, a new restroom and landscaping. The $4.1 million total, funded largely by tourism development funds, also covers the $2.95 million purchase of a former bank building at 198 Eglin Parkway NE. Future dock improvements are planned.
What it may mean for the marketAdded trailer parking and ramp access improve waterfront recreation access for Fort Walton Beach area boaters. The project is about 24 miles south of Whispering Lakes Estates, elsewhere in Okaloosa County.
Source: Get The Coast - September 2026Civic
Okaloosa commissioners reject 12-month data center moratorium 3-2
Okaloosa County commissioners voted 3-2 on September 15 against a 12-month data center moratorium. On September 3 the board unanimously directed staff to develop a regulatory framework for data centers, with an outline due within 60 days. No specific project or site was proposed, and commissioners discussed protecting the Shoal River Industrial Park.
What it may mean for the marketThe pending rules will shape where large power-and-land-intensive facilities can locate in the county, including industrial land near Crestview. The site is about 2 miles southwest of Whispering Lakes Estates.
Source: Get The Coast - June 2026Civic
DeSantis signs state budget with funding for Okaloosa County projects
Governor DeSantis signed the state budget that included roughly $15 million for 20 Okaloosa County projects, among them $5 million for the Northwest Florida State College Workforce Innovation Center in Niceville, $1.5 million for Shalimar Bridge Park, and $3 million for Destin road and drainage work. About $7.26 million in other local requests were vetoed.
What it may mean for the marketDirects state funding toward workforce, park, road, and drainage infrastructure across Okaloosa County, supporting public facilities and capacity in Niceville, Shalimar, and Destin. The site is about 17 miles south of Whispering Lakes Estates.
Source: Get The Coast - May 2026Development
Okaloosa commissioners approve master plan for 392-lot River Park subdivision in Crestview
Okaloosa County commissioners unanimously approved the master plan for River Park, a 392 lot single family subdivision on 263 acres east of Main Drive and north of Airport Road in Crestview. The project by River Park Landing LLC will be built in three phases, with each phase requiring a separate development order approval.
What it may mean for the marketAdds substantial single family housing supply to the Crestview market and phases new residential construction onto a large tract in north Okaloosa County. The site is about 2 miles east of Whispering Lakes Estates.
Source: Get The Coast - May 2026Infrastructure
Okaloosa County opens $212M Southwest Crestview Bypass
Okaloosa County opened the $212 million Southwest Crestview Bypass, a 3.5 mile four lane corridor connecting Antioch Road to State Road 85 with access from U.S. Highway 90. The project includes a 1,713 foot bridge, sidewalks, a multi use path, and direct access to the new Pineview K-8 school opening in August 2026.
What it may mean for the marketAdds a major four lane traffic corridor serving southwest Crestview and expands regional road capacity for surrounding growth in north Okaloosa County. The site is about 4 miles southwest of Whispering Lakes Estates.
Source: Get The Coast
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
How many homes are in Whispering Lakes Estates?
What share of Whispering Lakes Estates is owner-occupied?
When were the homes in Whispering Lakes Estates built?
Who is the best real estate agent for Whispering Lakes Estates?
How do I find a top Crestview real estate agent who knows Whispering Lakes Estates?
Can Momentum Realty connect me with an agent for Whispering Lakes Estates?
Where is Whispering Lakes Estates, and what county is it in?
Should you buy in Whispering Lakes Estates?
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: October 19, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (3 streets, ZIP 32539)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2002 (15 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.
Looking to buy here? Search homes for sale →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how WHISPERING LAKES ESTATES fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Whispering Lakes Estates with Momentum Realty’s local guides.