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Overview

3 bd3 ba1,724 sqft2 car garageSingle Family
TypeSingle Family
HOA$105/mo
Built2023
Lot5,227 sqft
Living area1,724 sqft
Price / sqft$219
Garage2 car

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

About this home

Primarybedroom UpstairsDishwasherMicrowaveRangeRefrigerator

520 Whistling Duck Trl is a 2023-built home in Silver Springs, St Cloud. Inside you'll find 3 bedrooms, 3 bathrooms, and 1,724 square feet of living space. Listed at $378,000 (about $219/sqft), 190 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $105 monthly.

From the listing

RENT TO OWN. This Beautiful 3 bedroom 2 bathroom home located in the new community of Silver Springs! Amazing floor plan with a loft on the second floor. Open Concept, great for family entertainment. Livingroom, kitchen and dining area on the first floor. The back yard has a Beautiful water view that is great for morning coffee and relaxation! All three bedrooms are on the second floor. Amazing location, 10 minutes from Lake Nona and Lake Nona's Medical City, Hospitals, schools, restaurants and shopping. Near Orlando International Airport. Easy access to toll roads 528 and 417.

The essentials

Built
2023
Price / sqft
$219
On market
190 days
Annual tax
$5,282
HOA
$105/mo
Flood zone
X · Low risk
Lot
5,227 sqft
Type
Single Family Residence

At a glance

Single family
Built 2023
2 car garage
5,227 sqft lot
Lot size
1,724 sqft
Living area

Payment

Est. monthly payment
$2,705/mo
Down payment (20%)
$75,600
Property taxes
$440/mo
HOA
$105/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2023
Lot
5,227 sqft
Cooling
Central Air
Heating
Heat Pump
Parking
-
Days on Market
190
Primarybedroom Upstairs
Dishwasher
Microwave
Range
Refrigerator
Flood Zone X
Annual Tax (2025)
$5,282
Parcel #
28-25-31-5037-0001-0330

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
5,227 sqft
HOA
$105/mo
Community Mgmt Professionals

Price history

Date
Event
Price
6/18/2026
Price change
Source: Stellar MLS #O6395015
$378,000-0.5%
$219/sqft
4/3/2026
Listed for sale
Source: Stellar MLS #O6395015
$380,000
$220/sqft

Neighborhood

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

Market insights

Offer Insights

Choose an offer strength

List price: $378,000
$375,000 – $378,000
99.5% – 100% of listTops out right at the list price
80% of listList price
306 of the last 474 home closings in 34771 landed at this number or higher (65%). The median one sat 36 days before it went under contract, and this one is on day 190 after a $2,000 cut.

Sample: 474 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
$2,706/mo
Principal & interest$1,971
Property taxes$440
Insurance$189
HOA$105
Down payment20% · $75,600
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 is the fee 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

$378,000

$219 per sq ft

Beds and baths

3 beds, 3 baths

Size

1,724 sq ft

Time on market

190 days

Year built

2023

Monthly payment

About $2,705/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,282 annual tax bill, insurance, and the $105/mo HOA fee.

HOA fee

$105/mo

Managed by Community Mgmt Professionals.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered byLPT REALTY, LLCListing agent: Susan SotoListing data from Stellar MLS, MLS# O6395015.

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