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Miramar Beach · Neighborhood

Whispering Oaks Homes for Sale

Whispering Oaks is a platted Miramar Beach subdivision, Plat Book 5, page 54, that the county draws as 53 parcels: 41 single-family, 11 vacant and one site-improvement parcel. The county flood layer puts part of every Block A parcel in a special flood hazard area and none of the 27 Block B parcels.

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    Living in Whispering Oaks

    Walton County's parcel layer files Whispering Oaks under series 19-2S-21-42400, with legal descriptions that cite Plat Book 5, page 54. It holds 53 parcels, each counted once: 41 single-family, 11 vacant and one site-improvement parcel, divided between Block A (26 parcels of 0.85 to 1.76 acres) and Block B (27 parcels of 0.11 to 1.00 acre). None of the 53 carries the common-area use code, so the county shows no association-owned parcel here. A few legal descriptions misspell the plat name or leave it out, so a name search alone would miss them; the parcel-number series does not.

    The 2026 state roll counts 41 houses built between 1984 and 2024, with living areas from 1,743 to 10,255 square feet, on Walton Way and Private Court. The county's address points run to 55 rows for the 53 parcel IDs: 45 read Miramar Beach 32550, three carry the place name Whispering Oaks, and ten, all on vacant or site-improvement parcels, read no address assigned.

    Flood exposure splits by block. The county flood layer puts ground from all 26 Block A parcels in a special flood hazard area, about 12 to 68 percent of each parcel on a sampled grid: Zone AO, Zone VE (the coastal wave-action category) at 10 or 11 feet, and on lots 22 through 28 Zone AE at 7 or 8 feet. None of the 27 Block B parcels touches one. A Block B lot mapped outside those zones still needs its own elevation, drainage and insurance review.

    A restriction document for Whispering Oaks appears on the county's covenants map at Official Records Book 209, page 562, listed for single-family use. The map's duration field says 1/1/2009 and its expiration field 4/21/2011; those dates alone cannot say whether the restrictions still apply, so ask the Clerk of Court for the document and any renewal.

    The saved listing search for August 20, 2026 found four active and 14 sold dwellings under the Miramar Beach label, which does not say which block a sale came from. The records consulted for this page are silent on association rules, amenity lists, rental terms and access rights.

    HOA & Fees

    What is the HOA fee at Whispering Oaks?

    No HOA fee for Whispering Oaks has been reported on the MLS in our records. Whether a home belongs to an association, and what it charges, is set by that home's recorded covenants, so ask a licensed real estate agent or the association about the home you are considering.

    Live Inventory

    Homes for Sale in Whispering Oaks

    Price ReducedLuxury

    $6,575,000

    510 Walton Way

    Miramar Beach, FL 32550

    6 bd 6.5 ba 6,924 sqft
    Price ReducedLuxury

    $2,879,000

    364 Walton Way

    Miramar Beach, FL 32550

    5 bd 5 full, 2 half ba 8,464 sqft

    Local Answers

    Whispering Oaks FAQ

    How much is the HOA fee at Whispering Oaks?

    No HOA fee for Whispering Oaks has been reported on the MLS in our records. Whether a home belongs to an association, and what it charges, is set by that home's recorded covenants, so ask a licensed real estate agent or the association about the home you are considering.

    How many parcels does Whispering Oaks have, and how are they used?

    The county layer holds 53 parcel IDs under series 19-2S-21-42400: 41 single-family, 11 vacant and one site-improvement parcel, with 26 in Block A and 27 in Block B. Their legal text cites the Whispering Oaks plat, Plat Book 5, page 54, and the series number is a safer filter than a name. Use codes describe the roll, not occupancy or ownership.

    Which Whispering Oaks parcels have mapped flood-hazard ground?

    Every Block A parcel, 26 in all, and no Block B parcel. The Block A ground falls in Zone AO, Zone VE at 10 or 11 feet, and Zone AE at 7 or 8 feet on lots 22 through 28. Each parcel holds only part of that ground, so check the exact lot on the current map.

    Why do 55 address rows cover 53 Whispering Oaks parcels?

    Two parcels carry two address points each. In all, 45 rows read Miramar Beach 32550, three carry the place name Whispering Oaks, and ten read no address assigned. The rows locate points; they do not draw boundaries or count homes.

    Does the county map show a restriction document for Whispering Oaks?

    The county's covenants layer lists one at Official Records Book 209, page 562, for single-family use, with a duration field of 1/1/2009 and an expiration field of 4/21/2011. Ask the Clerk of Court for the document and any later renewal before relying on it.

    What does the four active and 14 sold count cover?

    It covers dwellings listed under the Miramar Beach label on August 20, 2026, and it does not separate Block A from Block B. Read the block letter in a candidate's parcel number (00A or 00B) before comparing it with another sale.

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