Whispering Pines
Homes for Sale in Santa Rosa Beach, FL
All 855 homes for sale in Santa Rosa Beach, FL · median $1,150,000 · Walton County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via Emerald Coast MLS
As of October 2026, Whispering Pines in Santa Rosa Beach, FL has 1 home for sale. As of October 2026, the MLS records 6 closed sales in Whispering Pines in Santa Rosa Beach, FL since 2000, the most recent in April 2026. Across Santa Rosa Beach as a whole, 545 homes closed in the last 12 months at a median of $975,000, 84 median days on market, with 302 homes for sale today. At that median and Walton County's FY2025-26 rate of 9.758 mills, annual property tax runs about $9,510 ($9,130 with the full homestead exemption).
| Location | Santa Rosa Beach, Walton County, FL · ZIP 32435, 32439, 32459 |
|---|---|
| Homes in the community | 53 (FL DOR 2025 assessment roll) |
| Years built | 1965–2022 (median 2000) |
| Typical living area | 1,456 sq ft (median) |
| For sale right now | 1 active, 0 pending · median asking $1,095,000 |
| Owner-occupied (homestead) share | 56% |
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 PINES key facts,” movewithmomentum.com/neighborhoods/whispering-pines--walton, data as of September 20, 2026.
Last 30 days in Whispering Pines: 1 new listing (median asking $1,095,000). As of July 25, 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.
Whispering Pines is a small pocket of 53 homes in Santa Rosa Beach, and with just one active listing at the moment, there is effectively no shelf to shop from. That scarcity, not any list of amenities, is the story here. When inventory is this thin, price is set less by comps and more by whatever the single available home happens to offer in condition, size, and lot.
The building stock spans from 1965 to 2022 with a median build year around 2000, so what you buy varies widely — an original mid-century structure and a recent build sit under the same community name. That range means condition drives value more than location alone. A buyer should underwrite each house on its own merits; a seller with a well-kept or updated home has room to stand apart in a market with almost nothing to compare against.
The 60-Second Overview
Whispering Pines is a compact, established enclave in Santa Rosa Beach where a wide span of build years and modest median footprint mean no two homes trade on the same terms. With current MLS listings showing no shared amenities, this is a buy-the-house, not buy-the-community, market.
Emerald Coast MLS sales records identify 5 homes in WHISPERING PINES that have changed hands since 2015, built between 2001 and 2016 (median 2007), with a median living area of about 1,671 sq ft and a typical 3-bedroom, 2.5-bath layout; 80% 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 3 qualified sales in WHISPERING PINES across 2024–2025 (1 in 2024, 2 in 2025), median $165,000 — 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 Pines is best for.
Best for
- Buyers who want a smaller Santa Rosa Beach home and are comfortable acting on limited inventory
- Renovation-minded buyers willing to price and rehab an older structure
- Investors weighing a Walton County beach-adjacent hold, given the mixed owner-occupancy pattern
Probably not for
- Buyers who need multiple homes to compare before committing
- Buyers seeking newer, larger, amenity-backed construction
- Buyers who want a turnkey purchase without inspection risk on an older home
The market around Whispering Pines
Whispering Pines is too small for its own price trend, so here is the market around it.
In ZIP 32435, 52 homes are on the market and 19% are under contract — a steady corner of Santa Rosa Beach.
Across Walton County, 3,174 homes are active and 698 pending (18% under contract).
In ZIP 32435 (Santa Rosa Beach), 124 homes closed in the last 12 months at a median of $208K, down 2.7% year over year, with a median 66 days on market. Right now 41 active and 10 pending listings put supply at about 5.7 months — a buyer's market. See the live ZIP 32435 housing market and the Walton County market.
ZIP and county figures describe the wider market, not Whispering Pines specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in WHISPERING PINES, 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.
Homes For Sale Right Now in Whispering Pines
Live MLS inventory for Whispering Pines. 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 Pines 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 Pines Walton Right Now (1)
All 1 active and pending Whispering Pines Walton listings with a detail page, newest first, refreshed twice a day from the MLS.
- 39 Deal Court · $1,095,000 · 3 bd / 2.5 ba · listed Aug 11, 2026 · listed by Berkshire Hathaway HomeServices
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 Pines 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 Pines address.
Shop the zone: Homes zoned for South Walton High School
The Whispering Pines buying strategy.
If we were buying in Whispering Pines 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 Pines.
A small pool with a wide age range
At 53 homes with a median living area around 1,456 square feet, this is a right-sized neighborhood rather than a large planned development. The homestead share sits just over half, which points to a mix of owner-occupied and non-owner-occupied use — worth noting in a beach-adjacent Walton County market where a portion of stock often turns to seasonal or investment use.
The 1965-to-2022 build window is the number to watch. It tells you the community grew in phases, and it warns buyers that inspections matter here: an older home may need systems and roof scrutiny, while a newer one carries a different cost basis. No community amenities were identified from current listings, so value rests on the individual property and the Santa Rosa Beach location itself.
The location and the amenities are priced into every listing in Whispering Pines. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a neighborhood with one listing and a build range spanning nearly six decades, generic comps mislead. We underwrite each home on its own condition, age, and footprint, and we know how to price against thin inventory — whether that means helping a seller stand out or keeping a buyer from overpaying when there is nothing to compare against.
Whispering Pines 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 Pines 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 Pines sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Whispering Pines, 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 Pines home worth?
Get a no-obligation home value based on real comparable sales in Whispering Pines, 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 →
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Walton 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 · Walton 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.
18% 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 (2026-10-02).
Frequently Asked Questions
How many homes are in Whispering Pines?
What share of Whispering Pines is owner-occupied?
When were the homes in Whispering Pines built?
Who is the best real estate agent for Whispering Pines?
How do I find a top Santa Rosa Beach real estate agent who knows Whispering Pines?
Can Momentum Realty connect me with an agent for Whispering Pines?
Where is Whispering Pines, and what county is it in?
Should you buy in Whispering Pines?
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 32435/32439/32459)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2000 (6 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 PINES fits the bigger picture — live prices, inventory, and Momentum Scores:
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