Whispering Oaks in Ormond Beach

Whispering Oaks Homes for Sale in Ormond Beach, FL

Established 1988 · Intracoastal West · ZIP 32224

An oak-shaded, HOA single-family neighborhood on the mainland in Ormond Beach, with mature trees and a low annual association fee.

Mature-oak settingSingle-family HOA neighborhoodMainland Ormond Beach
Live Market Pulse
50/100
Momentum
Buyer-Leaning Market (limited data)
Tight supply keeps sellers in control, but dated interiors still trade at a discount, so condition is where buyers win.
Free · No obligation
Unlock Off-Market Whispering Oaks

Listings before the portals, true comps, and the renovation and carrying-cost math, before you tour.

Built fromLive DBAAR data14 years of closingsLocal renovation analysisUpdated twice daily
LiveMarket PulseDBAAR
$435K
Median Price
0mo
Supply
n/a
Avg DOM
Soft
Seller Leverage
$177/sf
Median $/Sqft
n/a
1-Yr Price Change
0now
Distress
Jon Brooks, founder of Momentum Realty
Jon's Current Read

"Whispering Oaks reads as an established, oak-shaded single-family neighborhood on the Ormond Beach mainland, with a homeowners association reported at a low annual fee. Homes vary in style and size on treed lots, so the buy is condition-and-lot rather than amenities. Confirm the HOA dues and exactly what they cover, verify the FEMA flood zone per parcel, and account for the mature trees on the lot. Pricing context is third-party and illustrative, accessed June 2026; confirm per home."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Whispering Oaks market snapshot (as of June 25, 2026): the median sale price is about $435K ($177 per sq ft), a buyer-leaning market (limited data). Based on 1 recent closings in live Daytona-area MLS data.

Whispering Oaks is an established single-family neighborhood on the mainland in Ormond Beach, Volusia County, ZIP 32174, known for mature oak trees and landscaped common areas (neighborhoods.com; whisperingoaksestates.com; accessed June 2026; confirm per home).

Homes vary in architectural style and size, from smaller single-family homes to larger ones, on treed lots. Because the homes vary in age and condition, the right comparison is house-by-house on lot, size, and condition rather than a single neighborhood number.

The neighborhood has a homeowners association that maintains common areas, with at least one listing showing an annual HOA fee around $300. Confirm the current dues and exactly what they cover, including any walking trails or recreational common areas, for the specific home.

The mainland Ormond Beach location is convenient and green, close to shopping, dining, and parks, with easy access to I-95 and a short drive to central Ormond Beach, and the Halifax River and beaches a longer drive east.

Best for

  • Buyers who want an established, oak-shaded single-family home in Ormond Beach
  • Buyers who value a maintained-common-area HOA at a low annual fee
  • Buyers comfortable verifying the HOA dues, the lot, and the flood zone

Probably not for

  • Buyers who want a beachside or direct-waterfront address
  • Buyers who want no HOA at all
  • Anyone unwilling to account for mature trees and verify the flood zone

How Whispering Oaks is performing right now

50/100
momentum
Buyer-Leaning Market (limited data)
Seller's marketBalancedBuyer's market
0Months of supplytight
57Median days on marketdays
0 : 0Under contract vs for salestrong demand
1Sold in last 12 monthsliquidity
+0%Asking vs recent sold $/sqftroom to negotiate

Tight supply and strong demand favor sellers here. Homes still take about two months to sell, though, and with asking prices running above recent sales per square foot, a prepared buyer has room on anything overpriced. Reading each home against the real comps, not the headline trend, is where the edge is.

Live from DBAAR, as of June 25, 2026. Refreshed twice daily. Months of supply, days on market, and the contract-to-listing ratio are computed from current Whispering Oaks listings and the trailing twelve months of closed sales.

8.6A- score
Momentum intelligence
Momentum buy score

Our proprietary read on how a home in Whispering Oaks buys, holds, and resells. See the five factors.

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.

No homes are actively for sale in Whispering Oaks right now, so its recent closed sales are shown, as of 2026-06-25, priced high to low. © 2026 Daytona Beach Area Association of REALTORS®, Inc.. Tap any home to ask about it.

Listing locations from DBAAR; lot type inferred from listing descriptions. Destination pins are approximate. Map data © OpenStreetMap, tiles © CARTO. Flood, school, and commute overlays are on the roadmap.

The takeaway

The location is the everyday-convenience case: shopping, schools, and the major roads are all a manageable drive.

Ormond Beach shopping and services~5 to 10 min · everyday needs
Interstate 95 access~5 to 10 min · via SR-40
Granada Boulevard (SR-40) corridor~6 to 12 min · central Ormond Beach
Local parks and trails~3 to 8 min · nearby recreation
Halifax River~12 to 16 min · east toward the Intracoastal
Atlantic beach~16 to 22 min · east over the river bridge
Daytona International Airport~15 to 22 min · via I-95 / US-92

Distances and drive times are approximate and vary with traffic. Confirm your real commute at your real departure time.

Nearby Communities

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Carrying cost · the no-CDD edge

No CDD bond means thousands less per year than newer master plans.

Typical CDD community~$2,500/yr
Whispering Oaks (no CDD)$0/yr

Roughly $25,000 saved over 10 years in carrying cost, before resale.

Illustrative. NE Florida CDD assessments commonly run $1,500-$3,500+/yr and vary by community; verify per property.

Schools

15-Second Take
  • Volusia County Public Schools
  • Verify the zoned schools by address
  • Magnet and choice options may be available
  • Confirm current ratings before relying on them
  • Private and parochial options nearby

Whispering Oaks is served by Volusia County Public Schools. Assignment is by address and can change, so confirm the exact zoned elementary, middle, and high schools for any specific home, plus any magnet or choice options. Treat published ratings as a starting point, not the full story.

Buying with schools in mind? We can confirm the exact zoned schools for any Whispering Oaks address.

The takeaway

What is actually moving near Whispering Oaks, sourced and dated. We do not publish rumor.

Recent Developments in Whispering Oaks

Our read on what is being built around Whispering Oaks, scored for direction, significance, and how close the effect lands. The full sourced timeline follows below.

Net OutlookBullishMainland Ormond Beach in this corridor is largely built out, so the story for an established neighborhood like Whispering Oaks is condition, the oak-shaded setting, and the HOA scope rather than new construction.

Established oak-shaded setting

BullishNotable impact
SignificanceRadius: Whispering Oaks

Mature trees and maintained common areas in a convenient mainland Ormond location hold steady demand from buyers who want an established, green neighborhood.

Low-fee HOA scope

NeutralNotable impact
SignificanceRadius: Whispering Oaks

A reported annual HOA fee around $300 maintains common areas; confirm the current dues and exactly what they cover, including any trails or recreational areas, before you write.

Tree and flood verification

NeutralMinor impact
SignificanceRadius: Ormond Beach mainland

On treed lots, tree health, drainage, and the FEMA flood determination per parcel matter; the FEMA map is authoritative, so confirm it for the specific home.

Direction, significance, and effect-radius ratings are Momentum's proprietary, qualitative read of the sourced items below, not investment advice or a prediction for any specific home.

Development, infrastructure, retail, and school activity affecting Whispering Oaks, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated June 2026.

Showing the latest, scroll for all updates ↓

  1. June 2026
    Community

    Neighborhood profile documented by third-party sources

    Third-party real-estate sources describe Whispering Oaks as an established, oak-shaded single-family neighborhood on the Ormond Beach mainland, ZIP 32174, with a homeowners association maintaining common areas and a reported annual fee around $300. Why it matters: Character and the HOA are reported by third-party sources; verify the current dues, what they cover, the lot, and the FEMA flood zone before relying on them. Source

Development alerts for Whispering OaksGet a short monthly email when something new is approved, funded, or opens near Whispering Oaks.

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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.

If we were buying in Whispering Oaks, this is the order of operations we would run, and the one we run for our clients.

1

Confirm the HOA dues and exactly what they cover. Get the current figure, what is maintained, and any rules, since the common-area scope is part of the value here.

2

Pull the FEMA flood zone for the exact parcel. Mainland exposure varies; confirm the determination for the specific home.

3

Account for the mature trees. On a treed lot, confirm tree health, proximity to the home, and how the lot drains.

4

Inspect the home's basics. Roof age, HVAC, plumbing, and electrical drive the real cost on established homes; budget them before you write.

5

Comp house-by-house. Price the specific home on its size, lot, and condition against the closest comparable Whispering Oaks sale, not a city average.

Best Buy
A well-kept home with a newer roof and updated systems on a good oak-shaded lot, priced to its condition rather than a city average.
Biggest Risk
Deferred maintenance on an older home, tree and drainage issues, or an HOA scope that differs from expectations.
Best Lot
The oak-shaded lot and the home's condition are the value here; the low HOA fee buys maintained common areas.
Smart Timing
A steady, established Ormond market gives a prepared buyer who has inspected the home and confirmed the HOA room to negotiate on condition.
The takeaway

On mobile, tap any heading below to open it. This is the home by home, lot by lot, club and renovation detail, organized so you can jump straight to what matters to you.

Community Details at a Glance

Whispering Oaks is an established single-family neighborhood on the mainland in Ormond Beach, Volusia County, ZIP 32174, known for mature oak trees and landscaped common areas. Homes vary in style and size on treed lots. The neighborhood has a homeowners association that maintains common areas, with a reported annual fee around $300; the current dues and what they cover, including any trails or recreational areas, should be confirmed for the specific home. The mainland location is convenient and green, close to shopping, dining, and parks, with easy I-95 access. The central diligence items are the HOA scope, the FEMA flood zone per parcel, tree and drainage considerations on a treed lot, and the condition of the specific home.

The takeaway

Three honest price bands. Condition and lot, not the square footage alone, decide where a home lands.

Entry: smaller original-condition homes
$435K to $435K

Smaller homes in original condition are the value entry. Budget the updates, confirm the HOA scope, and verify the flood zone before you write (third-party context, June 2026, not MLS).

Lowest entry
Mid: updated three- and four-bedroom homes
$435K to $435K

Updated homes are the core of the neighborhood. Condition, lot, and the oak setting separate these; price on the closest comparable Whispering Oaks sale.

Most inventory
High: larger or fully renovated homes
$435K to $435K

Larger or fully renovated homes, especially on the best oak-shaded lots, sit at the top of the neighborhood. Price each on its updates, lot, and condition, not a city average.

Strongest resale

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

$435K to $435K
Entry: smaller original-condition homes
Smaller homes in original condition are the value entry. Budget the updates, confirm the HOA scope, and verify the flood zone before you write (third-party context, June 2026, not MLS).
$435K to $435K
Mid: updated three- and four-bedroom homes
Updated homes are the core of the neighborhood. Condition, lot, and the oak setting separate these; price on the closest comparable Whispering Oaks sale.
$435K to $435K
High: larger or fully renovated homes
Larger or fully renovated homes, especially on the best oak-shaded lots, sit at the top of the neighborhood. Price each on its updates, lot, and condition, not a city average.

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

15-Second Take
  • Renovation math decides the deal
  • Better lots and views resell strongest
  • Roof and HVAC age drive the insurance quote
  • Interior lots are where buyers overpay
Jon Brooks, Momentum Realty
Operator Note

Most buyers overpay on interior lots in the back half of the community. A sharp renovation can distract you, but the weaker resale position follows the lot, not the finishes. We read the homesite before the kitchen.

No CDD on the tax billStrong
Central Intracoastal West locationStrong
Scarce golf and lake homesitesStrong
$30M club reinvestment to 2028Positive
All-resale 1990s conditionManage it

Momentum analysis based on the community's structure, location, lot scarcity, and housing stock. Not a guarantee of future value.

Jon Brooks, Momentum Realty
Operator Note

The strongest value pocket is usually a renovated home on a good lot priced just under the next tier up. Buyers chasing the single biggest house often pay top prices for what is really a renovation project.

5 Mistakes Buyers Make in Whispering Oaks

15-Second Take
  • Calling the listing agent (who works for the seller)
  • Misjudging the renovation budget
  • Overpaying for an interior lot
  • Underbudgeting the carrying costs
  • Skipping the roof, HVAC, and systems check

The same five mistakes cost buyers the most in any market. Every one is avoidable with the right preparation before you tour.

Whispering Oaks is about an established, oak-shaded home with maintained common areas, not amenities you pay heavily for. The deal is read in the condition, the lot, the HOA scope, and the flood zone, not the sticker.

Jon Brooks · Founder, Momentum Realty
6.4B · Buy Score
Resale Strength6.4/10
Renovation Risk5.8/10
Location Efficiency7.0/10
Long-Term Defensibility6.2/10
Carrying Cost Advantage6.2/10

Momentum Intelligence Scores are our proprietary, qualitative assessment based on the analysis on this page, on a 0 to 10 scale. They are a framework for comparing communities, not a guarantee of future value or advice on a specific home.

Why our read on Whispering Oaks is different.

Most pages on this community are an automated estimate wrapped in stock copy. This one is built from the live DBAAR feed, fourteen years of closed sales, and a renovation-by-renovation read of what actually moves value here, lot by lot. No Zestimate, no guesswork.

Live DBAAR feed14 years of closed salesRenovation-premium analysisLot-by-lot, no automated estimates
Jon Brooks, founder of Momentum Realty. A housing economist with a background in real estate investment banking at Deutsche Bank and consulting at Ernst & Young, who has built and analyzed Northeast Florida real estate from the ground up.

Which Lots & Views Hold Value Best

Where the value actually sits. Each home is shaded by its price per square foot (a value read, not just a price) and ringed by lot type, so you can see at a glance which pockets carry a real, durable premium and where a renovation play makes sense.

Value ($/sqft)
$261 value$401 premium
Lake / waterPreserveInterior

Fill = price per square foot; ring = lot type, inferred from listing descriptions. Sold homes are shown by realized $/sqft (lot type not always recorded). Asking and recent-sold figures from DBAAR; for orientation, not an appraisal.

15-Second Take
  • The oak-shaded lot and the home's condition are the value; the low HOA fee buys maintained common areas.
  • On a treed lot, check tree health, drainage, and the FEMA flood zone per parcel.
  • Roof age and systems drive cost more than square footage on established homes.

In an established oak-shaded neighborhood, value comes down to the lot and the home's condition. At Whispering Oaks, the single-family homes on mature-tree lots are driven by roof age, systems, and updates, and the oak setting adds tree-health and drainage items to the usual inspection. The low-fee HOA buys maintained common areas, so confirming its scope matters. The honest approach is to verify the HOA, the trees, and the flood zone, then price the specific home on its condition and lot against the closest comparable Whispering Oaks sale rather than a city median.

Whispering Oaks in 15 seconds.

Best forBuyers who want an established, oak-shaded single-family home in mainland Ormond Beach with a low-fee HOA.
Strong onSetting and value: mature trees, maintained common areas, and a convenient location near I-95.
WatchThe HOA scope, older-home condition, and tree, drainage, and flood items per parcel.
Not forBuyers who want a beachside address, or who want no HOA at all.
The edgeAn oak-shaded, maintained-common-area neighborhood at a low annual HOA fee.

HOA, CDD & Fees

15-Second Take
  • A reported annual HOA fee around $300 maintains common areas; confirm the current figure and scope.
  • Verify any trails or recreational common areas before you rely on them.
  • Budget insurance, older-home maintenance, and the flood determination per parcel.

Whispering Oaks has a homeowners association that maintains common areas, with at least one listing showing an annual fee around $300. Confirm the current dues and exactly what they cover, including any walking trails or recreational areas, plus any rules, in writing. No CDD is expected; confirm per parcel.

The reported dues fund maintained common areas and landscaping, and sources mention walking trails and recreational facilities. Verify exactly what is funded for the specific home.

There is no reported private club or mandatory membership beyond the homeowners association; the draws are the oak-shaded setting and the maintained common areas.

The takeaway

Selling here is won on condition and view, not the Zestimate. The right number comes from closed comps matched to your renovation level and lot.

Momentum listings (YTD)
97.98%
Sold-to-list ratio across the Jacksonville metro for our agents, sellers keeping more of their price.
Market average (YTD)
96.73%
The broader metro average sold-to-list ratio over the same period.
Momentum days on market
64 days
Median days on market for our listings, faster sales mean less carrying cost and stronger leverage.
Market days on market
72 days
The broader metro median over the same period.

Sold-to-list and days-on-market figures reflect Momentum Realty listings versus the Jacksonville metro average, year to date. Your home's result depends on pricing, condition, lot, view, and preparation.

In Whispering Oaks, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping Hammock Trace, a home priced to the community average instead of its true condition and view either leaves money on the table or sits. A renovated kitchen, newer roof and HVAC, and a golf or lake view all deserve to show up in your price, and a buyer pool reading renovation math needs to be shown why your home is worth it. We build that case with real comps and a pricing strategy for the current market.

What is your Whispering Oaks home worth?

Get a no-obligation home value based on real comparable sales in Whispering Oaks matched to your condition, lot, and view, 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 homes for sale in Whispering Oaks on the map →

Real comps, not a Zestimate.

The real cost & risk here

Before the list price, the Florida math the portals skip. These are Volusia County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.

$1,789/mo
Volusia County typical true cost to own
$151/mo
Volusia County typical home insurance
Check CDD
Confirm before you offer

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.

Whispering Oaks Market Scorecard

Buyer-Leaning Market (limited data)

Whispering Oaks is currently a buyer-leaning market (limited data). Limited supply, a median asking price of n/a.

n/a
Months supply
n/a
Median list
$435,000
Median sold
$177
Per sqft
n/a
Days on mkt
0/0/1
Active/Pend/Sold

Typical home value in the 32174 ZIP is $371,102, about 10.1% above the Florida norm (Zillow Home Value Index).

Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.

Live data: © 2026 Daytona Beach Area Association of REALTORS®, Inc. Refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.

Frequently Asked Questions

Where is Whispering Oaks?
Whispering Oaks is an established single-family neighborhood on the mainland in Ormond Beach, ZIP 32174, known for mature oak trees and maintained common areas.
Is there an HOA at Whispering Oaks?
Yes, the neighborhood has a homeowners association that maintains common areas, with a reported annual fee around $300. Confirm the current dues and exactly what they cover in writing.
What kind of homes are in Whispering Oaks?
Single-family homes that vary in style and size on treed lots. Compare house-by-house on lot, size, and condition (third-party data, June 2026).
What do homes cost in Whispering Oaks?
Pricing is best confirmed per home because style, size, and condition vary (third-party data, June 2026, not MLS). Confirm current pricing for a specific home.
Does Whispering Oaks have trails or amenities?
Third-party sources mention maintained common areas and reference walking trails and recreational facilities. Verify exactly what is available and what the dues fund before you rely on it.
Is Whispering Oaks on the beach?
No. It is on the Ormond Beach mainland; central Ormond is a short drive and the beaches are about 16 to 22 minutes east over the river bridge. Confirm the specific home's location.
Is Whispering Oaks in a flood zone?
Mainland exposure varies by parcel. The FEMA map is authoritative, so confirm the determination for the specific home.
What should I check on an oak-shaded lot here?
Confirm tree health and proximity to the home, how the lot drains, and the FEMA flood zone, in addition to the usual roof and systems inspection.
Is there a CDD?
No CDD is expected in an established neighborhood like Whispering Oaks, but confirm per parcel as a matter of course.
What is nearby?
Ormond Beach shopping and services, easy I-95 access, the Granada Boulevard corridor, local parks and trails, and the Halifax River and beaches a longer drive east.
What schools serve Whispering Oaks?
It is served by Volusia County Schools, with assignments set by address. Confirm the current zoned schools for the specific home with the district before you rely on it.
Should I use the listing agent to buy in Whispering Oaks?
No. The listing agent works for the seller. Having your own representation, which costs you nothing as the buyer, to read the inspection, the HOA, the flood zone, and comps is the highest-leverage decision you make.
Who is the best real estate agent for Whispering Oaks Real Estate?
The best agent for Whispering Oaks Real Estate is one who actively works Ormond Beach and knows the community's pricing, HOA and CDD details, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for Whispering Oaks Real Estate.
How do I find a top Ormond Beach real estate agent who knows Whispering Oaks Real Estate?
Share a few details in the form on this page. Momentum Realty has 280+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Whispering Oaks Real Estate and the wider Ormond Beach area.
Can Momentum Realty connect me with an agent for Whispering Oaks Real Estate?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Whispering Oaks Real Estate purchase or sale - no call center and no pressure.
You want an established, oak-shaded single-family home in mainland Ormond BeachExcellent fit
You value maintained common areas at a low annual HOA feeExcellent fit
You will verify the HOA dues, the lot, and the FEMA flood zoneExcellent fit
You want a beachside or direct-waterfront addressProbably not
You want no HOA at allProbably not
You are unwilling to account for mature trees and verify the flood zoneProbably not

Get the inside read on Whispering Oaks

Whether you are buying a renovation project, comparing the lots and views, weighing the carrying costs, or selling your Whispering Oaks home, tell us what you need. Every inquiry comes straight to us. We represent you, not the seller, and what your agent is paid is negotiable and set in a written buyer agreement up front. No obligation, no spam, no high-pressure follow-up.

We respond personally, usually the same day.

You are all set.

A Momentum Realty Whispering Oaks specialist will reach out personally, usually the same day.

Photography on this page is sourced from active and recently sold MLS listings in this community and remains the property of the listing brokerage and/or photographer. © 2026 Daytona Beach Area Association of REALTORS®, Inc. Information deemed reliable but not guaranteed.

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