3181 WHISPER WIND DRIVE, ST CLOUD, FL, 34771
Active37 days on marketListed Jun 16, 2026MLS #O6415271
About this home
3181 WHISPER WIND DRIVE
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.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,754
Sqft
0.52 ac
Lot size
2
Garage
1980
Year built
Two
Levels
$254
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$4,821 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,821/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−8.2%
Days on market
37 vs 33 typical
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside St Cloud
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Cloud. See the full St Cloud guide →
ST CLOUD 34771 — neighborhood snapshot
Population
31,368
Median age
38.6
Median income
$101,434
Median home value
$427,500
Avg household
3.21
Households w/ children
4,183
For the school run
Osceola County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Cloud market
$414K → $400K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 64% above the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3181 WHISPER WIND DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3181 WHISPER WIND DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
3181 WHISPER WIND DRIVE FAQs
What would the monthly payment be for 3181 WHISPER WIND DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,821/mo — principal and interest, the actual property-tax bill, the $68/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 3181 WHISPER WIND DRIVE?+
The association fee works out to $68 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3181 WHISPER WIND DRIVE?+
The most recent tax bill on record (2025) was $6,713. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 3181 WHISPER WIND DRIVE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in St Cloud?+
At $699,000, this home is listed about 64% above the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3181 WHISPER WIND DRIVE?+
Lakeview Elementary School (elementary), Narcoossee Middle School (middle), Harmony High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.
Listing courtesy of REAL BROKER, LLC · Peter Luu. MLS #O6415271.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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