Whispering Oaks MH Community: mobile home park in Palatka, Florida
Unofficial page — independent directory built from the Florida state registry, updated July 2026.
Run this park? Correct anything on this page free — no card, no account.
A 25-space mobile home park in Palatka, FL. It's remote: the nearest pharmacy we can find is about 25 miles away. County records put it on 6.3 acres, built in 1993.
Flood risk looks favorable here: the park sits in zone X, clear of FEMA's special hazard designation. 25 spaces — big enough that billing by spreadsheet starts to show its cracks. 100% of homes in the area report broadband at 100/20 Mbps or faster — one less worry for remote work.
- Size
- 25 spaces · 7th largest of 16 in Putnam County (median 25)
- Size vs the state
- Larger than about 25% of Florida's registered parks
- Land
- 6.3 acres · about 4 lots per acre · built 1993
- Rent nearby
- 2-bedroom fair market rent $1,155/mo (HUD FY 2026)
- Flood zone
- N/A — outside the mapped floodplain
- Wildfire risk
- Higher than 79% of U.S. counties (USFS, county-wide)
- Tornadoes
- 46 recorded in Putnam County since 1950, strongest F2 (NOAA)
- Water
- Own public system (well) · EPA FL3421467
- Nearest
- Grocery 1.5 mi · pharmacy 25 mi · clinic 2.4 mi
- School & ER
- William D. Moseley Elementary School 1.1 mi · Hca Florida Putnam Hospital (ER) 2.4 mi
- Internet
- 100% of homes at 100/20 Mbps · fiber 4% · gigabit 4%
- Neighborhood
- Median rent $940/mo · median income $47,000 · 20% mobile homes
Distances are straight-line, so the drive is longer. Internet and neighborhood figures describe the surrounding town — and the rent benchmark, wildfire rank, and tornado count the wider county — not this park’s own lots. The fair market rent is apartment-style rent (HUD’s area benchmark), not this park’s lot rent. Rent limits are not legal advice.
Looking for the office number? Their Google Maps listing may have it →
Worth knowing
This park runs its own regulated public water system (EPA id FL3421467), drawing from its own groundwater well. The system reports serving about 160 residents through 64 service connections.
Palatka is a rural community about 25 miles west of Palm Coast (about 89,000 people). 9 other registered parks lie within about 10 miles.
For residents
- Water billing: if your park submeters water, Florida bills it at the cost of service with the combined service charge capped at 9% (§367.022(9)) — there's no markup on the water itself. Check the math free with the water submeter calculator, or read the Florida water-billing guide.
- Paying rent: ask the park office how they take payment. Parks that run on Lot Sidekick hand residents clear, itemized rent and water bills.
- Thinking about moving here? What to ask a park before you rent a lot, and what lot rent covers and how it goes up.
Common questions
How many spaces does Whispering Oaks MH Community have?
Whispering Oaks MH Community has 25 total spaces per the Florida park registry (as of July 22, 2026).
Is this Whispering Oaks MH Community's official website or phone number?
No. This is Whispering Oaks MH Community's page in the Lot Sidekick park directory, built from the state registry. We're independent of the park and can't take messages for it. The park office hasn't added a public contact here yet; if you own the park, claiming the page (free) lets you add one.
Where is Whispering Oaks MH Community?
3429 Bainbridge Rd, Palatka, Florida 32177, in Putnam County.
How much is lot rent at Whispering Oaks MH Community?
Whispering Oaks MH Community doesn't publish its lot rent anywhere we could find, and we won't guess at a figure. Call the park office to ask. For scale: HUD's FY 2026 fair market rent for a 2-bedroom rental around Putnam County is $1,155/mo — that's apartment-style rent for the area, and lot rent (the ground under a home you own) usually runs well below it. If you run this park, you can add your real lot rent to this page for free.
How much can lot rent go up at Whispering Oaks MH Community?
Florida has no statewide cap on lot rent, but Chapter 723 requires 90 days' written notice (Statute §723.037), and an increase justified by comparable parks must be disclosed — residents can request mediation.
Where does the water at Whispering Oaks MH Community come from?
Whispering Oaks MH Community operates its own public water system, registered with the EPA as FL3421467 ("WHISPERING OAKS MHP"). That means the park — not a city utility — supplies and is accountable for the water at each lot. You can look up its monitoring and compliance record by that id in the EPA's Safe Drinking Water Information System.
Nearby parks in Putnam County
| Park | Distance | Spaces |
|---|---|---|
| Westover MHP | ~0.6 mi | 25 |
| River Oaks Mobile Home Park | ~1.9 mi | 70 |
| Port Buena Vista Mobile Home Comm. | ~2.4 mi | 11 |
| River Villas Manufactured Home Park | ~2.9 mi | 68 |
| Crootdog Haven Mobile Home Park | ~3.1 mi | 13 |
Park value estimate
Putnam County assesses this park at $1M — about $41,000 per space. The median across 7 other assessed parks in the county is $27,000 per space, so this one sits in the top quarter of the county.
These are county assessments for tax purposes, not a market appraisal and not an asking price. A park's real value turns on its rent roll, its expenses and its utilities — none of which are in a public record.
Free tools
- Park value & profitability estimator: what a 25-space park earns and what it's worth, at the cap rate you pick.
- Rent increase calculator: the 2026 Florida cap applied to a 25-space park.
- RUBS calculator: split one master-meter water bill across 25 lots so the pennies add up exactly.
- Water submeter calculator: two meter reads in, an at-cost tenant bill out.
- Notice generator: a clean, printable rent-increase notice with the dates filled in.
- Rent receipt generator: a printable receipt for a cash, check, or money-order payment — two copies to a sheet.
- Prorated rent calculator: the exact first-month charge when someone moves in mid-cycle.
Registry record
| State registry ID | PRMY002182 |
|---|---|
| Registered with | The Florida Department of Business and Professional Regulation |
| Listed as | WHISPERING OAKS MH COMMUNITY |
Data from official state registry that may be out of date.
Source: Florida Department of Business and Professional Regulation mobile home park registrations (myfloridalicense.com), as of July 22, 2026. Counts come from the state's registry and can lag real life. See something out of date? Tell us, or claim the page.
https://lotsidekick.com/parks/florida/putnam/whispering-oaks-mh-community