4820 WHISPERING OAKS DRIVE, NORTH PORT, FL, 34287
Pending48 days on marketListed Jun 19, 2026MLS #N6144761
About this home
4820 WHISPERING OAKS DRIVE
Move-in ready lakefront villa in Heron Creek Golf and Country Club with major updates already completed: new tile roof and added attic insulation (2024), HVAC (2022), water heater (2025), impact windows, impact-rated front door, and reinforced garage door. Features include quartz countertops, GE slate appliances, luxury vinyl flooring, additional lighting added, custom moldings and arched doorways, and a screened lanai overlooking the lake and fountain. Located in Flood Zone X with no flood insurance required. Enjoy championship golf, tennis, fitness center, clubhouse, pool, dining, and a maintenance-free lifestyle with internet, TV, landscaping, irrigation, and exterior painting included in the HOA. No CDD fees.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,340
Sqft
0.17 ac
Lot size
2
Garage
2003
Year built
One
Levels
$224
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$2,280 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,280/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+21.5%
$/sqft vs HERON CREEK
$224 vs $234
Days on market
48 vs 53 typical
Where $224/sqft sits among the 18 homes for sale in HERON CREEK
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Heron Creek
Get to know North Port. See the full North Port guide →
Heron Creek — neighborhood snapshot
Population
1,949
Median age
63
Median income
$108,936
Median home value
$317,839
Avg household
2
Households w/ children
196
For the school run
Sarasota County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The North Port market
$316K → $304K
North Port median sold, yr/yr
96.7%
Sale-to-list ratio (12 mo)
9 of 18
HERON CREEK have cut their price
Median sold price, North Port, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 151% above the NORTH PORT 34287 median. See the full North Port market guide →
Paper trail
This home's history
Reality check
What actually sold near 4820 WHISPERING OAKS DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$289,900
4827 WHISPERING OAKS DRIVE · same community
2 bd · 2 ba · 1,487 sqft · $195/sqft · 109 DOM
Sold · Sep ’25$330,000
4693 WHISPERING OAKS DRIVE · same community
2 bd · 2 ba · 1,508 sqft · $219/sqft · 6 DOM
Sold · May ’26$320,000
5064 WHISPERING OAKS DRIVE · same community
2 bd · 2 ba · 1,657 sqft · $193/sqft · 137 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4820 WHISPERING OAKS DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4820 WHISPERING OAKS DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
4820 WHISPERING OAKS DRIVE FAQs
What would the monthly payment be for 4820 WHISPERING OAKS DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,280/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 4820 WHISPERING OAKS DRIVE?+
The most recent tax bill on record (2024) was $2,665. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 4820 WHISPERING OAKS DRIVE?+
The listing reports pets: Dogs OK. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in North Port?+
At $299,900, this home is listed about 10% below the North Port median of $335,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4820 WHISPERING OAKS DRIVE?+
Heron Creek Middle School (middle), North Port High School (high), Lamarque Elementary School (elementary) — Sarasota County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of POINTE OF PALMS REAL ESTATE · Louise Clapp. MLS #N6144761.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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