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Overview

4 bd3 ba2,328 sqft2 car garageSingle Family
TypeSingle Family
HOA$125/mo
Built2023
Lot7,405 sqft
Living area2,328 sqft
Price / sqft$170
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Kitchen/Family Room ComboSplit BedroomWalk-in Closet(s)SidewalkPlaygroundPoolSidewalksDishwasher

491 Whistling Duck Trl is a 2023-built home in Silver Springs, St Cloud. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,328 square feet of living space. Listed at $395,000 (about $170/sqft), 506 days on market. Flood zone NA - confirm flood insurance requirements with your lender. HOA runs $125 monthly.

From the listing

Just reduced for a quick sale!! Welcome to this exquisite two-story home located at Silver Springs in St. Cloud,FL! Embrace eco-friendly living and enjoy cost savings on your utility bills, thanks to Meritage Homes, an Energy Star builder! Inside this 4-bedroom, 2.5-bathroom home you’ll find an open plan concept with all bedrooms located upstairs for your privacy! The kitchen features white cabinets and elegant granite countertops! The property also boasts ceramic tile throughout the first floor, while the second floor showcases beautiful wood/laminate flooring. Also, the staircase has been recently upgraded with wood and cast iron railing! On the second floor, you’ll find a loft/den area, perfect for your entertainment system, work area or even a cozy reading room!. All stainless steel appliances are included, along with a premium water softener system! Silver Springs has NO CDD and offers many amenities, including a resort-style pool, a clubhouse, and playgrounds! Conveniently located just minutes from Lake Nona Medical City, this property is close to everything the Lake Nona area has to offer! The home is vacant, so come see it today!

The essentials

Built
2023
Price / sqft
$170
On market
506 days
Annual tax
$5,320
HOA
$125/mo
Flood zone
NA
Lot
7,405 sqft
Type
Single Family Residence

At a glance

Single family
Built 2023
Community pool
Shared amenity
2 car garage
7,405 sqft lot
Lot size
2,328 sqft
Living area

Payment

Est. monthly payment
$2,826/mo
Down payment (20%)
$79,000
Property taxes
$443/mo
HOA
$125/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2023
Lot
7,405 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
506
Kitchen/Family Room Combo
Split Bedroom
Walk-in Closet(s)
Sidewalk
Playground
Pool
Sidewalks
Dishwasher
Disposal
Dryer
Range
Refrigerator
Washer
Water Softener
Elementary
VOYAGER K-8
Middle
VOYAGER K-8
High
Harmony High

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone NA
Annual Tax (2024)
$5,320
Parcel #
28-25-31-5037-0001-0280

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Silver Springs
County
Osceola
MLS Area
34771 - St Cloud (Magnolia Square)
Lot Size
7,405 sqft
Sidewalk
HOA
$125/mo
Community Management Professionals

Price history

Date
Event
Price
10/16/2026
Price change
Source: Stellar MLS #O6313749
$395,000-7.1%
$170/sqft
-
Price change
Source: Stellar MLS #O6313749
$425,000-15.0%
$183/sqft
5/30/2025
Listed for sale
Source: Stellar MLS #O6313749
$499,995
$215/sqft

Neighborhood

491 Whistling Duck Trl
St Cloud, FL, 34771 · 34771 - St Cloud (Magnolia Square)

Market insights

Offer Insights

Choose an offer strength

List price: $395,000
$392,500 – $395,000
99.5% – 100% of listTops out right at the list price
80% of listList price
303 of the last 469 home closings in 34771 landed at this number or higher (65%). The median one sat 37 days before it went under contract, and this one is on day 506 after a $104,995 cut.

Sample: 469 closed home sales in 34771 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$2,826/mo
Principal & interest$2,060
Property taxes$443
Insurance$198
HOA$125
Down payment20% · $79,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$395,000

$170 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,328 sq ft

Time on market

506 days

Year built

2023

Monthly payment

About $2,826/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,320 annual tax bill, insurance, and the $125/mo HOA fee.

HOA fee

$125/mo

Managed by Community Management Professionals.

Flood zone

Zone NA

That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.

Offer

What should I offer?

Have another question?

Brokered byCT HOMES REALTY CORPORATIONListing agent: Fernando OrsiniListing data from Stellar MLS, MLS# O6313749.

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