360 WHISTLING DUCK TRAIL, ST CLOUD, FL, 34771
Active29 days on marketListed Jun 26, 2026MLS #O6419324
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About this home
360 WHISTLING DUCK TRAIL
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.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,715
Sqft
0.12 ac
Lot size
2
Garage
2023
Year built
Two
Levels
$247
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.
$3,346 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$3,346/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
+13.1%
$/sqft vs SILVER SPRINGS
$247 vs $200
Days on market
29 vs 33 typical
Where $247/sqft sits among the 6 homes for sale in SILVER SPRINGS
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)
4 of 6
SILVER SPRINGS have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
Paper trail
This home's history
Reality check
What actually sold near 360 WHISTLING DUCK TRAIL
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$296,000
6229 Flash Lane, FL 32536 · same community
3 bd · 2 ba · 1,679 sqft · $176/sqft · 8 DOM
Sold · Jun ’26$370,000
140 S ZUNI ROAD · same community
4 bd · 2.5 ba · 2,140 sqft · $173/sqft · 165 DOM
Sold · Jun ’26$435,000
511 WHISTLING DUCK TRL · same community
4 bd · 2.5 ba · 2,328 sqft · $187/sqft · 63 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
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 360 WHISTLING DUCK TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 360 WHISTLING DUCK TRAIL — 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
360 WHISTLING DUCK TRAIL FAQs
What would the monthly payment be for 360 WHISTLING DUCK TRAIL?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,346/mo — principal and interest, the actual property-tax bill, the $125/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 360 WHISTLING DUCK TRAIL?+
The association fee works out to $125 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 360 WHISTLING DUCK TRAIL?+
The most recent tax bill on record (2025) was $4,527. 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 360 WHISTLING DUCK TRAIL?+
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 $424,000, this home is priced right at the St Cloud median.
Which schools are assigned to 360 WHISTLING DUCK TRAIL?+
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.
Keep looking
Similar homes nearby
Listing courtesy of CREEGAN GROUP · Chris Creegan. MLS #O6419324.
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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