172 WHISPERING PINES ROAD, GEORGETOWN, FL, 32139
Active92 days on marketListed Apr 24, 2026MLS #V4948730
About this home
172 WHISPERING PINES ROAD
This cleared 1.21-acre lakefront lot offers a rare combination of privacy, flexibility, and natural beauty—making it the ideal setting for your custom-built home or high-quality manufactured residence. Nestled within the peaceful Plantation Pines community, this build-ready parcel features direct water access through the community boat ramp. Outdoor enthusiasts will appreciate being just minutes from world-class bass fishing on Lake George and the scenic St. Johns River, while the nearby Ocala National Forest offers endless opportunities for hiking, boating, and exploring Florida’s natural beauty. The property is zoned R-2 (Residential), allowing for a single-family home, manufactured home, or potential duplex (buyer to verify). Electricity is available nearby, and the lot is accessible via a paved road, offering a quiet, tucked-away feel while still being within reach of everyday conveniences.
Facts & features
The home at a glance
1.21 ac
Lot size
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.
$373 /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
$373/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.
Where it sits
Inside Georgetown
Get to know Georgetown. See the full Georgetown guide →
GEORGETOWN 32139 — neighborhood snapshot
Population
897
Median age
60.5
Median income
$56,806
Median home value
$129,400
Avg household
2.69
Households w/ children
58%
For the school run
Putnam County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Georgetown market
$187K → $265K
Georgetown median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
Median sold price, Georgetown, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 114% above the GEORGETOWN 32139 median. See the full Georgetown market guide →
Paper trail
This home's history
Reality check
What actually sold near 172 WHISPERING PINES ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$340,000
133 SEMINOLE TRAIL · same community
2 bd · 1 ba · 1,247 sqft · $273/sqft · 46 DOM
Sold · Mar ’26$299,900
104 FERNCREEK DRIVE
3 bd · 2 ba · 1,134 sqft · $264/sqft · 6 DOM
Sold · Apr ’26$230,000
201 PLUMOSA DRIVE
3 bd · 2 ba · 1,539 sqft · $149/sqft · 80 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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 172 WHISPERING PINES ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 172 WHISPERING PINES ROAD — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
172 WHISPERING PINES ROAD FAQs
What would the monthly payment be for 172 WHISPERING PINES ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $373/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 172 WHISPERING PINES ROAD?+
The most recent tax bill on record (2025) was $281. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Georgetown?+
At $29,900, this home is listed about 93% below the Georgetown median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 172 WHISPERING PINES ROAD?+
Middleton-Burney Elementary School (elementary), Crescent City Junior-Senior High School (high) — Putnam County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Elvira Hanna. MLS #V4948730.
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.
Never miss a listing
New Georgetown homes, in your inbox
Like 172 WHISPERING PINES ROAD but not quite? A daily digest of every new listing in Georgetown — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Eric to ping you on any price or status change →