Whispering Oaks
Homes for Sale in Miramar Beach, FL
All 677 homes for sale in Miramar Beach, FL · median $652,500 · Walton County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via Emerald Coast MLS
As of September 2026, Whispering Oaks in Miramar Beach, FL has 4 homes for sale, asking from $1,345,000 to $9,499,000 (median $5,064,500). Homes listed or recently sold were built 1992–2024; none of the 3 geocoded homes sit in a FEMA special flood hazard zone (median elevation 11 ft).
| Location | Miramar Beach, Walton County, FL · ZIP 32541, 32550 |
|---|---|
| Homes in the community | 65 (FL DOR 2025 assessment roll) |
| Years built | 1981–2024 (median 2002) |
| Typical living area | 3,486 sq ft (median) |
| For sale right now | 4 active, 0 pending · median asking $5,064,500 |
| Owner-occupied (homestead) share | 61% |
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 OAKS key facts,” movewithmomentum.com/neighborhoods/whispering-oaks--walton, data as of September 20, 2026.
Homes For Sale Right Now in Whispering Oaks
Live MLS inventory for Whispering Oaks. 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 · 502 daysTop listing
Active · 87 days
Active · 106 days
Active · 131 daysActive and pending Whispering Oaks listings as of 2026-07-25, 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.
Every Home for Sale in Whispering Oaks Walton Right Now (3)
All 3 active and pending Whispering Oaks Walton listings with a detail page, newest first, refreshed twice a day from the MLS.
- 396 Walton Way · $9,499,000 · 8 bd / 8.5 ba · listed Jun 27, 2026 · listed by Five Star Properties RE FL Inc
- 510 Walton Way · $7,250,000 · 6 bd / 6.5 ba · listed Jun 27, 2026 · listed by Compass
- 497 Walton Way · $1,345,000 · 4 bd / 3 ba · listed Jun 27, 2026 · listed by EXP Realty LLC
Whispering Oaks is a small, established pocket in Miramar Beach — 65 homes, only 4 of them active. With inventory this thin, a single well-prepared listing can set the tone for the whole community, and there is little to comp against beyond a handful of recent closings. Price here is driven less by a formula and more by the specific home: build year spans 1981 to 2024, so condition, updates, and finish level do most of the work in separating one sale from the next.
For buyers, the practical takeaway is patience and readiness — when the right home appears, there may not be a second one behind it for a while. For sellers, the low count cuts both ways: less competition, but also fewer recent trades to anchor an appraisal, which puts a premium on pricing to the actual condition of your home rather than a neighborhood average.
The 60-Second Overview
A compact enclave of 65 homes in Miramar Beach with homes running roomy — a median just under 3,500 square feet — and a build range that reaches from the early 1980s to brand-new 2024 construction.
Emerald Coast MLS sales records identify 16 homes in WHISPERING OAKS that have changed hands since 2003, built between 1985 and 2022 (median 1995), with a median living area of about 3,045 sq ft and a typical 4-bedroom, 3-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 OAKS across 2024–2025 (3 in 2024, 3 in 2025), median $1.32M — 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.
The setting & the homes.
Aerial and on-site photos of Whispering Oaks. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Whispering OaksWhispering OaksWhispering OaksWhispering OaksPhotos from Emerald Coast MLS listings in Whispering Oaks; content deemed reliable but not guaranteed.
Who Whispering Oaks is best for.
Best for
- Move-up buyers wanting square footage around 3,500 feet in Miramar Beach
- Buyers comfortable choosing between varied vintages, from 1980s builds to new construction
- Owner-occupants planning to hold, in a community that leans homesteaded
Probably not for
- Buyers who need amenity-rich communities with pools or shared facilities
- Shoppers wanting a broad selection and many active listings at once
- Buyers seeking a small, low-maintenance starter footprint
The market around Whispering Oaks
Whispering Oaks is too small for its own price trend, so here is the market around it.
In ZIP 32541, 720 homes are on the market and 13% are under contract — a slower corner of Miramar Beach.
Across Walton County, 3,174 homes are active and 698 pending (18% under contract).
In ZIP 32541 (Miramar Beach), 790 homes closed in the last 12 months at a median of $730K ($199/sq ft), down 1.9% year over year, with a median 96 days on market. Right now 488 active and 65 pending listings put supply at about 9.0 months — a soft market. See the live ZIP 32541 housing market and the Okaloosa County market.
ZIP and county figures describe the wider market, not Whispering Oaks specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in WHISPERING OAKS, Miramar 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.
Whispering Oaks 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, tiles © CARTO.
Schools
- Walton County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Van R Butler · Elementary
- Emerald Coast · Middle
- South Walton · High
Zoned schools reflect the assignments reported on recent Whispering Oaks 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 Oaks address.
Shop the zone: Homes zoned for South Walton High School
The Whispering Oaks buying strategy.
If we were buying in Whispering Oaks 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 Oaks.
A wide build range under one name
The defining feature of Whispering Oaks is variety of vintage. With a median year built of 2002 but homes dating back to 1981 and as recent as 2024, two houses on the same street can be a generation apart in construction, systems, and layout. That makes the median list price a poor stand-in for any single home — expect a wide spread that tracks condition and age more than location, and budget for inspection and update costs accordingly.
The homes themselves are substantial, with a median around 3,486 square feet, so this reads as a move-up size profile rather than a starter footprint. Roughly 61% of homes carry a homestead exemption, pointing to a base of owner-occupants rather than a purely rental-driven street. No community amenities show up in current MLS listings, so value here comes from the houses and the Miramar Beach location, not shared facilities.
The location and the amenities are priced into every listing in Whispering Oaks. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a 65-home community with only 4 active listings and a thin trade history, pricing comes down to reading condition against a very short comp set — the kind of judgment that separates a clean sale from a stalled one. We know this Miramar Beach submarket, we underwrite each home on its own age and finish rather than a neighborhood average, and we will tell you plainly when a given house is priced to its updates and when it is not.
Whispering Oaks 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 Oaks 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 Oaks sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Whispering Oaks, 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 Oaks home worth?
Get a no-obligation home value based on real comparable sales in Whispering Oaks, 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 Miramar Beach →
10% of homes for sale in ZIP 32550 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 (2026-09-24).
Frequently Asked Questions
How many homes are in Whispering Oaks?
What share of Whispering Oaks is owner-occupied?
When were the homes in Whispering Oaks built?
Who is the best real estate agent for Whispering Oaks?
How do I find a top Miramar Beach real estate agent who knows Whispering Oaks?
Can Momentum Realty connect me with an agent for Whispering Oaks?
Where is Whispering Oaks, and what county is it in?
Should you buy in Whispering Oaks?
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: July 25, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (2 streets, ZIP 32541/32550)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 1999 (23 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 OAKS fits the bigger picture — live prices, inventory, and Momentum Scores:
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