370 WHISTLING DUCK TRAIL, St. Cloud, FL, 34771 | $424,900

Under contract-accepting backup offers. Welcome Home! Move-in ready, like new, and just over 2, 000 square feet, this home truly checks ALL of the boxes. Featuring 4 bedrooms, 2. 5 bathrooms, a loft space, and tranquil water views, this home is designed for both comfort and style. As you enter, you’ll be immediately impressed by the soaring ceilings and an abundance of natural light that fills the space. Neutral 12x24 tile flooring flows seamlessly throughout the main living areas. A conveniently located powder room and storage closet sit just off the entryway, leading you into the open-concept kitchen, dining, and family room—perfect for everyday living and entertaining. You’ll love hosting family and friends in the light and bright kitchen, featuring a large island with a single-basin sink, quartz countertops, shaker-style cabinetry, stainless steel appliances, and a closet pantry. Just off the kitchen is a well-situated laundry room with direct access to the garage. Conveniently located off the kitchen, the dining room is complete with a custom built-in wine bar, adding a stylish touch for entertaining. Unwind in your cozy family room while taking in the beautiful water views. Tucked away at the back of the home, the primary bedroom and ensuite offer a private retreat. The primary bedroom features plush carpeting, serene water views, and a custom walk-in closet. The ensuite bathroom includes a walk-in shower, a dual-sink vanity with quartz countertops, and a private water closet. Let’s head upstairs! This functional floor plan offers an oversized loft space, along with three additional bedrooms—two of which feature water views—and a full bathroom. Enjoy the Florida weather year-round on your covered porch, offering the most relaxing and beautiful views, with plenty of green space to enjoy. Lastly, your new home includes a 2-car garage, ample storage, and a full driveway. Silver Springs Community offers a resort-style pool and playground and is conveniently located minutes from Lake Nona, Orlando International Airport, major highways, shopping, dining, USTA, and A-rated schools.

Features

  • Amenities: Playground, Pool
  • Rooms: 8
  • Bedrooms: 4
  • Baths: 2 full / 1 half
  • Laundry: Laundry Room
  • Year Built: 2023
  • Garage: 2-car Driveway
  • Heating: Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 2,170
  • Acreage: 0.12
  • Est. Taxes: $5,277
  • HOA Fee: $112 Monthly
  • Elem. School: VOYAGER K-8
  • Middle School: VOYAGER K-8
  • High School: Harmony High
  • Pet Policy: Yes
  • Appliances: Dishwasher, Disposal, Microwave, Range
  • MLS#: O6379559
  • Days on Market: 72 days
  • Website: https://www.raveis.com
    /prop/O6379559/370whistlingducktrail_stcloud_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 5/24/2026 10:32:08 PM)
Listing courtesy of LUNA GROUP   Phone: 239-935-9388

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
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Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

Pedro.Delgadillo@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
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    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

370 WHISTLING DUCK TRAIL, St. Cloud, FL, 34771

$424,900

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $339,920 $339,920 $339,920
Term 360 months 360 months 180 months
Initial Interest Rate** 6.250% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.474% 6.640% 5.972%
Monthly Tax Payment $440 $440 $440
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,093 $2,146 $2,823
Total Monthly Payment $2,608 $2,661 $3,338

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.