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Santa Rosa Beach · Neighborhood

Whispering Lake Homes for Sale

Whispering Lake is a Walton County subdivision in Santa Rosa Beach, two recorded plats of single-family lots off Veterans Road north of US 98.

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    Short-term rentals: not allowed, per our brokerage's rental review.

    Living in Whispering Lake

    Walton County's parcel layer files Whispering Lake under two plats. The original Whispering Lake Subdivision, recorded at Plat Book 17, Page 81, holds lots numbered 1 to 64 along Whispering Lake Drive, and the state's 2026 roll addresses four of them, lots 49 through 52, on Veterans Road instead. Whispering Lake First Addition, at Plat Book 18, Page 83, adds 21 lots on Lullaby Loop. That same roll gives Santa Rosa Beach as the site city for each parcel it lists on either plat.

    The county commission voted 5 to 0 on July 25, 2006 to approve for recordation a final plat its minutes call Whispering Lakes Subdivision, described there as phases 1 and 2 of an 80-lot single-family subdivision on the east side of Veterans Road, north of US 98. Nearly seven years later, on February 26, 2013, the commission approved a plat development order application for Whispering Lakes Phase I covering 21 lots on 6.55 acres, subject to a letter confirming its infrastructure was finished. The county parcel layer now carries 21 lots on the First Addition and 85 lot parcels across both plats, five more than the 80 the 2006 minutes name, though one of the 85, lot 11 of the first plat, has no legal text or owner in that layer and is missing from the 2026 state roll; identify a lot by its recorded plat and lot number, not by either approval.

    Every house the 2026 state roll dates here went up between 2011 and 2015, the first plat's from 2011 to 2013 and Lullaby Loop's from 2013 to 2015. On each plat, the parcel layer lists the streets and common areas under one parcel number owned by the Whispering Lake Homeowners Association. A county map layer of properties with a covenants and restrictions document on file ties both plats to one instrument, Official Records Book 2867, Page 1744, and its entry points on to three other Official Records entries as well.

    HOA & Fees

    What is the HOA fee at Whispering Lake?

    As of November 11, 2026, Whispering Lake homes for sale that report a fee on the MLS list these HOA fees:

    • Single-family homes: $86 to $97 a month, median $92 (2 listings)

    Fees vary by home type and section. Some homes also belong to a sub-association for their section, and a listing's fee may cover only one association, so confirm every association a home belongs to and what each one charges.

    Based on 2 active MLS listings that report an HOA fee. Fees billed quarterly, twice a year or yearly are shown as a monthly equivalent.

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    Local Answers

    Whispering Lake FAQ

    How much is the HOA fee at Whispering Lake?

    As of November 11, 2026, Whispering Lake homes for sale that report a fee on the MLS list these HOA fees: single-family homes, $86 to $97 a month, median $92 (2 listings). Fees vary by home type and section. Some homes also belong to a sub-association for their section, and a listing's fee may cover only one association, so confirm every association a home belongs to and what each one charges.

    Which plats make up Whispering Lake in Santa Rosa Beach?

    Two, as Walton County's parcel layer reads. The original plat, Plat Book 17, Page 81, runs lots 1 to 64 on Whispering Lake Drive, with lots 49 through 52 addressed on Veterans Road in the state roll. Whispering Lake First Addition, Plat Book 18, Page 83, runs lots 1 to 21 on Lullaby Loop. Lot numbers 1 through 21 appear on both plats, so a lot number alone can point at two parcels here; check which plat book the legal description cites.

    What plat approvals did Walton County give Whispering Lakes?

    Commission minutes for July 25, 2006 record a unanimous vote approving for recordation the final plat of Whispering Lakes Subdivision, phases 1 and 2 of an 80-lot single-family subdivision east of Veterans Road. Minutes for February 26, 2013 record approval of a 21-lot plat application on 6.55 acres under the name Whispering Lakes Phase I, made contingent on a letter of completion for the infrastructure. Neither set of minutes gives a plat book and page.

    What build years and living areas does the state roll give the Whispering Lake houses?

    The 2026 state roll dates the first-plat houses on Whispering Lake Drive and Veterans Road to 2011 through 2013 and gives them 1,970 to 3,700 square feet of living area, on lots Walton County's parcel layer draws at about 0.21 to 0.50 acre. The Lullaby Loop houses of the First Addition date to 2013 through 2015, with 2,102 to 2,883 square feet on lots of about 0.16 to 0.17 acre.

    Which recorded instrument carries the covenants for Whispering Lake?

    Walton County's covenants and restrictions layer, compiled from a list the Clerk of Court supplied, places Whispering Lakes and Whispering Lakes First Addition under Official Records Book 2867, Page 1744. Its entry gives the duration as perpetual and the use as single-family, marks commercial and industrial use no, and adds Book 2890, Page 498, Book 2901, Page 1831 and Book 2915, Page 3596 as related entries. Pull all four from the Clerk before relying on anyone's summary of them.

    What is the Whispering Lake Homeowners Association?

    Since June 1, 2011, when it was filed as document N11000005366, The Whispering Lake Homeowners' Association has been on file in Florida's corporate registry as a not-for-profit. Its status there reads active, and the newest of the annual reports listed on that page was filed January 8, 2026. Walton County's parcel layer names the association as owner of the parcels described as the streets and common areas of both Whispering Lake plats.

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    Sources

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