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Overview

4 bd3 ba2,754 sqft2 car garageSingle Family
TypeSingle Family
HOA$68/mo
Built1980
Lot22,433 sqft
Living area2,754 sqft
Price / sqft$218
Garage2 car

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

About this home

Built-in FeaturesCeiling Fans(s)Central VaccumEat-in KitchenHigh CeilingsOpen FloorplanPrimary Bedroom Main FloorSolid Wood Cabinets

3181 Whisper Wind Dr is a 1980-built home in Lake Ajay Village, St Cloud. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,754 square feet of living space. Listed at $599,000 (about $218/sqft), 117 days on market. Flood zone A - confirm flood insurance requirements with your lender. HOA runs $68 monthly.

From the listing

Welcome to this one-of-a-kind custom pool home filled with warmth, character, and architectural charm! Nestled beneath mature oak trees on a spacious lot, this unique property offers soaring vaulted ceilings, exposed wood beams, rich flooring, and a stunning floor-to-ceiling stone fireplace that creates an unforgettable focal point in the main living area. Designed for both entertaining and everyday living, the open-concept layout flows seamlessly into the spacious kitchen featuring modern countertops, stainless steel appliances, abundant cabinetry, center island, and generous dining space. Large windows and sliding glass doors bring in natural light while creating a seamless indoor-outdoor connection. This versatile floor plan offers oversized bedrooms, loft areas, and multiple flex spaces perfect for a home office, media room, playroom, gym, or additional living area. The spacious primary suite provides a private retreat with ample room to relax and unwind. Step outside into your own private Florida oasis featuring a large screened-in pool enclosure, covered lanai, expansive patio space, and mature landscaping surrounded by beautiful oak trees and peaceful outdoor views. Whether hosting family and friends or enjoying a quiet evening poolside, this backyard was designed for making memories. Additional features include solar panels for energy efficiency, updated flooring throughout, rustic-modern finishes, balcony access overlooking the outdoor living space, oversized driveway, and exceptional curb appeal. If you are searching for a home with personality, flexibility, and timeless character, this is not your typical cookie-cutter property. This home offers a rare combination of space, charm, and resort-style outdoor living all in one unique package.

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The essentials

Built
1980
Price / sqft
$218
On market
117 days
Annual tax
$6,713
HOA
$68/mo
Flood zone
A
Lot
22,433 sqft
Type
Single Family Residence

At a glance

Single family
Built 1980
Private pool
Heated
2 car garage
Driveway
0.52 acres
Lot size
2,754 sqft
Living area

Payment

Est. monthly payment
$4,051/mo
Down payment (20%)
$119,800
Property taxes
$559/mo
HOA
$68/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1980
Lot
22,433 sqft
Cooling
Central Air, Zoned
Heating
Central, Electric, Heat Pump, Zoned
Parking
Driveway, Garage Door Opener, Garage Faces Side, Oversized
Pool
Deck, Heated, In Ground, Screen Enclosure
Days on Market
117
Built-in Features
Ceiling Fans(s)
Central Vaccum
Eat-in Kitchen
High Ceilings
Open Floorplan
Primary Bedroom Main Floor
Solid Wood Cabinets
Split Bedroom
Stone Counters
Thermostat
Vaulted Ceiling(s)
Walk-in Closet(s)
Window Treatments
Balcony
Private Mailbox
Rain Gutters
Deed Restrictions
Gated Community - No Guard
Golf Carts OK
Special Community Restrictions
Tennis Court(s)
Built-in Oven
Convection Oven
Cooktop
Dishwasher
Disposal
Electric Water Heater
Refrigerator
Elementary
Narcoossee Elementary
Middle
Narcoossee Middle
High
Tohopekaliga High School

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

Homestead exemption on file Flood Zone A
Annual Tax (2025)
$6,713
Parcel #
04-25-31-2512-0001-0380

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
Lake Ajay Village
County
Osceola
MLS Area
34771 - St Cloud (Magnolia Square)
Lot Size
22,433 sqft
Conservation AreaFlood Insurance RequiredFloodZoneGreenbeltLandscapedOversized LotPavedPrivate
HOA
$68/mo
Lake Ajay Village

Price history

Date
Event
Price
9/26/2026
Price change
Source: Stellar MLS #O6415271
$599,000-4.1%
$218/sqft
-
Price change
Source: Stellar MLS #O6415271
$624,500-10.7%
$227/sqft
6/16/2026
Listed for sale
Source: Stellar MLS #O6415271
$699,000
$254/sqft

Neighborhood

3181 Whisper Wind Dr
St Cloud, FL, 34771 · 34771 - St Cloud (Magnolia Square)

Market insights

Offer Insights

Choose an offer strength

List price: $599,000
$595,000 – $599,000
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 117 after a $100,000 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
$4,051/mo
Principal & interest$3,124
Property taxes$559
Insurance$300
HOA$68
Down payment20% · $119,800
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

$599,000

$218 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,754 sq ft

Time on market

117 days

Year built

1980

Monthly payment

About $4,051/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $6,713 annual tax bill, insurance, and the $68/mo HOA fee.

HOA fee

$68/mo

Managed by Lake Ajay Village.

Flood zone

Zone A

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?

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Brokered byREAL BROKER, LLCListing agent: Peter LuuListing data from Stellar MLS, MLS# O6415271.

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