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Overview

3 bd3 ba1,715 sqft2 car garageSingle Family
TypeSingle Family
HOA$125/mo
Built2023
Lot5,400 sqft
Living area1,715 sqft
Price / sqft$244
Garage2 car

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

About this home

Kitchen/Family Room ComboParkPlaygroundPoolDishwasherElectric Water HeaterMicrowaveRange

360 Whistling Duck Trl is a 2023-built home in Silver Springs, St Cloud. Inside you'll find 3 bedrooms, 3 bathrooms, and 1,715 square feet of living space. Listed at $419,000 (about $244/sqft), 119 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $125 monthly.

From the listing

***Opportunity to assume the seller’s loan at a competitive 5.125 rate*** Furnished, turnkey home in the highly desirable Silver Springs community loaded with upgrades, includes a whole-home water filtration system, and offers NO CDD fees just minutes from Lake Nona. Enjoy peaceful pond views and added privacy with no rear neighbors. Inside, you'll find a spacious open-concept layout designed for both everyday living and entertaining. The kitchen features granite countertops, ample cabinetry, and stainless steel appliances, flowing seamlessly into the main living and dining areas. The garage features an unfinished bonus space that is already framed and ready to be completed as a private home office, gym, or flex room to fit your needs. Conveniently located just minutes from Lake Nona Medical City, Orlando International Airport, shopping, dining, and major roadways, this home offers the perfect combination of comfort, convenience, and waterfront living.

The essentials

Built
2023
Price / sqft
$244
On market
119 days
Annual tax
$4,527
HOA
$125/mo
Flood zone
X · Low risk
Lot
5,400 sqft
Type
Single Family Residence

At a glance

Single family
Built 2023
Water views
Water
Community pool
Shared amenity
2 car garage
Driveway
5,400 sqft lot
Lot size

Payment

Est. monthly payment
$2,897/mo
Down payment (20%)
$83,800
Property taxes
$377/mo
HOA
$125/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2023
Lot
5,400 sqft
Cooling
Central Air
Heating
Electric
Parking
Driveway
Days on Market
119
Kitchen/Family Room Combo
Park
Playground
Pool
Dishwasher
Electric Water Heater
Microwave
Range
Refrigerator
Elementary
Narcoossee Elementary
Middle
Narcoossee Middle
High
Harmony High

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

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$4,527
Parcel #
28-25-31-5037-0001-0440

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
5,400 sqft
HOA
$125/mo
Community Management Professionals

Price history

Date
Event
Price
8/16/2026
Price change
Source: Stellar MLS #O6419324
$419,000-1.2%
$244/sqft
-
Price change
Source: Stellar MLS #O6419324
$424,000-3.6%
$247/sqft
6/21/2026
Listed for sale
Source: Stellar MLS #O6419324
$439,900
$257/sqft

Neighborhood

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

Market insights

Offer Insights

Choose an offer strength

List price: $419,000
$417,500 – $419,000
99.5% – 100% of listTops out right at the list price
80% of listList price
303 of the last 468 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 119 after a $20,900 cut.

Sample: 468 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
$2,897/mo
Principal & interest$2,185
Property taxes$377
Insurance$210
HOA$125
Down payment20% · $83,800
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

$419,000

$244 per sq ft

Beds and baths

3 beds, 3 baths

Size

1,715 sq ft

Time on market

119 days

Year built

2023

Monthly payment

About $2,897/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,527 annual tax bill, insurance, and the $125/mo HOA fee.

HOA fee

$125/mo

Managed by Community Management 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 byCREEGAN GROUPListing agent: Chris CreeganListing data from Stellar MLS, MLS# O6419324.

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