San Carlos Park / Three Oaks, FL · Age-Restricted 55+ Communities

Whispering Pines

55+ manufactured-home seasonal living

Age-Restricted 55+ Communitiesmobile-home-parkEntry · $200K – $450KFEMA Zone AE

On the Map

Where Whispering Pines sits

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Available Now

Homes for sale in Whispering Pines

No active listings in Whispering Pines right now

New homes list here weekly, search nearby or ask Rick to watch this community for you.

At a Glance

Whispering Pines at a glance

Price Range
Entry
Typically $200K – $450K
Flood Zone
Zone AE
High risk · 1% annual chance · BFE established
high-confidence estimate, verify by address
Community Type
mobile-home-park
Region
San Carlos Park / Three Oaks

Amenities & Lifestyle

What you get living in Whispering Pines

55+RetirementAffordable

Drive Times

Location & access

  • 🏖️ Nearest Beach39 min
  • ✈️ RSW Airport18 min
  • 🏙️ Downtown Fort Myers19 min
  • 🏥 Nearest Hospital25 min
  • 🛣️ I-75 Access13 min

Cost of Ownership

Estimated yearly costs for a entry-tier home

Florida estimates based on a $350,000 home in Whispering Pines. Actual numbers vary, book a Strategy Session for a live, parcel-specific quote.

Property Tax
$4,550
~$379/mo · Lee County millage ~1.3%
Insurance (incl. flood)
$4,200, $7,700
Flood + wind in high-risk zone
HOA Estimate
$0, $150/mo
Typically low/none

Estimates only. Florida Homestead Exemption (when you qualify) can knock $750-1,500 off the annual tax bill.

⚠️ Flood Zone Accuracy Note

Whispering Pines is mapped primarily in Zone AE

All sample points within Whispering Pines returned Zone AE. Individual parcels may differ, flood zones are assigned per parcel by FEMA, not per community.

Before making an offer, always verify the exact flood zone for the specific property address:

Source: FEMA National Flood Hazard Layer · sampled at 5 points per community · confidence: high

Ready to Look Closer?

Get live numbers for Whispering Pines

HOA dues, current listings, recent sales, builder incentives, all change weekly. Book a free Strategy Session and I'll pull a live snapshot for Whispering Pines tailored to your timeline and budget.

Good Questions

Whispering Pines, frequently asked questions

What are home prices like in Whispering Pines?
Whispering Pines is in the entry price tier, typically Typically $200K – $450K. List prices vary by size, age, condition, and current inventory; search current listings or ask Rick for live comps.
What FEMA flood zone is Whispering Pines in?
Whispering Pines is mapped primarily in FEMA Zone AE, High risk · 1% annual chance · BFE established. Individual parcels can differ; Rick verifies the exact zone for any address.
What schools are near Whispering Pines?
Closest schools include Treeline Elementary School (1.9 mi), Ray V. Pottorf Elementary School (1.9 mi), Gateway High School (2.4 mi). Browse all on the schools directory.
What does it cost to own a home in Whispering Pines?
For a $350,000 home, estimate roughly $4,550/yr property tax, $4,200-$7,700/yr insurance (incl. flood), and $0-$150/mo HOA. Full breakdown in the SWFL cost cheatsheet.
What amenities does Whispering Pines offer?
Whispering Pines features 55+, Retirement, Affordable. Compare similar communities on the interactive map.