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Overview

4 bd2 ba2,259 sqft2 car garageSingle Family
TypeSingle Family
HOA$248/qtr
Built1984
Lot23,958 sqft
Living area2,259 sqft
Price / sqft$328
Garage2 car

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

About this home

Ceiling Fans(s)Eat-in KitchenKitchen/Family Room ComboOpen FloorplanPrimary Bedroom Main FloorSaunaSolid Surface CountersSplit Bedroom

5370 Whispering Pine Cir is a 1984-built home in Majestic Oaks, St Cloud. Inside you'll find 4 bedrooms, 2 bathrooms, and 2,259 square feet of living space. Listed at $739,900 (about $328/sqft), 48 days on market. Flood zone AE - confirm flood insurance requirements with your lender. HOA runs $248 quarterly.

From the listing

NOW $739,900! CANAL-FRONT POOL HOME • PRIVATE DOCK & BOAT LIFT • STUNNING WATER VIEWS • EXCEPTIONAL PRIVACY • 0.55 ACRES This EXTENSIVELY UPDATED 4-bedroom, 2-bath home in Majestic Oaks provides waterfront living, a heated saltwater pool, spacious 2021 private boat dock, boat lift and exceptional privacy in the front and back. Just minutes from Lake Nona and Medical City, with access to the Chain of Lakes. The open floor plan features a stone wood burning fireplace, 2-person sauna, all newer energy efficient double pane windows and interior solid wood doors, extra added attic insulation, renovated kitchen and bathrooms, updated LVP flooring, upgraded electrical, remodeled laundry, plantation shutters, spacious closets throughout, and upgraded Pebble-Tech pool and equipment. Beautiful views are enjoyed from virtually every room. The kitchen includes ceiling-height soft-close cabinetry, quartz countertops, a large peninsula, double oven, built-in microwave drawer, stainless appliances, handmade tile backsplash and granite sink with touch faucet. The spacious owner’s suite includes covered lanai access, an ensuite with dual vanities, walk-in shower and walk-in closet. Three additional bedrooms provide flexibility for guests, a home office or hobbies. Outside, enjoy a large travertine-paver pool area, heated saltwater pool, covered dock and boat lift accommodating a boat up to approximately 21 feet. The property also features an expansive, oversized driveway with ample room for an RV and multiple vehicles. Built in 2021, the custom dock adds space for relaxing, entertaining and boating from your own backyard. Having only two owners this property is immaculate and meticulously maintained throughout, offering a perfect turnkey transition.

The essentials

Built
1984
Price / sqft
$328
On market
48 days
Annual tax
$631
HOA
$248/qtr
Flood zone
AE
Lot
23,958 sqft
Type
Single Family Residence

At a glance

Single family
Built 1984
Waterfront
Canal - Freshwater
Private pool
Heated
2 car garage
0.55 acres
Lot size

Payment

Est. monthly payment
$4,364/mo
Down payment (20%)
$147,980
Property taxes
$53/mo
HOA
$248/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1984
Lot
23,958 sqft
Cooling
Central Air
Heating
Electric, Heat Pump
Parking
-
Pool
Chlorine Free, Deck, Gunite, Heated, In Ground, Lighting, Salt Water, Screen Enclosure, Tile
Waterfront
Canal - Freshwater
Days on Market
48
Ceiling Fans(s)
Eat-in Kitchen
Kitchen/Family Room Combo
Open Floorplan
Primary Bedroom Main Floor
Sauna
Solid Surface Counters
Split Bedroom
Thermostat
Vaulted Ceiling(s)
Walk-in Closet(s)
Window Treatments
Courtyard
Dog Run
Lighting
Private Mailbox
Rain Gutters
Convection Oven
Cooktop
Dishwasher
Disposal
Electric Water Heater
Exhaust Fan
Ice Maker
Microwave
Range
Range Hood
Refrigerator
Touchless Faucet
Elementary
Narcoossee Elementary
Middle
Narcoossee Middle
High
Tohopekaliga High School

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

Flood Zone AE
Annual Tax (2024)
$631
Parcel #
05-25-31-4025-0001-0570

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
Majestic Oaks
County
Osceola
MLS Area
34771 - St Cloud (Magnolia Square)
Lot Size
23,958 sqft
HOA
$248/qtr
Sentry Management

Price history

Date
Event
Price
9/23/2026
Price change
Source: Stellar MLS #O6436258
$739,900-1.3%
$328/sqft
-
Price change
Source: Stellar MLS #O6436258
$749,900-2.0%
$332/sqft
8/24/2026
Listed for sale
Source: Stellar MLS #O6436258
$765,000
$339/sqft

Neighborhood

5370 Whispering Pine Cir
St Cloud, FL, 34771 · 34771 - St Cloud (Magnolia Square)

Market insights

Offer Insights

Choose an offer strength

List price: $739,900
$735,000 – $739,900
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 48 after a $25,100 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
$4,364/mo
Principal & interest$3,859
Property taxes$53
Insurance$370
HOA$83
Down payment20% · $147,980
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

$739,900

$328 per sq ft

Beds and baths

4 beds, 2 baths

Size

2,259 sq ft

Time on market

48 days

Year built

1984

Monthly payment

About $4,364/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $631 annual tax bill, insurance, and the $248/qtr HOA fee.

HOA fee

$248/qtr

Managed by Sentry Management.

Flood zone

Zone AE

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 byBEYCOME OF FLORIDA LLCListing agent: Steven KolenoListing data from Stellar MLS, MLS# O6436258.

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