441 WHISTLING DUCK TRAIL, St. Cloud, FL, 34771 | $470,000

Located in the desirable Silver Springs community, this beautifully maintained 4-bedroom, 3-bath home sits on an oversized 0. 32-acre lot with no rear neighbors and peaceful water views, offering the perfect blend of privacy, space, and modern comfort. From the moment you arrive, you’ll appreciate the attractive landscaping, brick paver accents, and stylish modern exterior that create impressive curb appeal.

Step inside to a welcoming entryway highlighted by a staircase leading to the second floor and a thoughtfully designed layout that offers both functionality and flexibility. Immediately to the left of the front entry is a convenient downstairs guest bedroom and full bath—ideal for guests, multi-generational living, or added privacy for family members.

Continuing through the home, you’ll find a versatile flex space currently being used as a home office that could easily serve as a playroom, formal dining area, or additional sitting space depending on your needs. The heart of the home opens into the living room, dining area, and kitchen, all flowing seamlessly together and filled with natural light from surrounding windows and double sliding glass doors overlooking the backyard.

The kitchen is designed for both everyday living and entertaining, featuring white cabinetry, stainless steel appliances, tile backsplash, a walk-in pantry, and a massive center island with bar seating perfect for casual meals, serving, and gathering with guests. The living room adds warmth and character with a beautiful custom accent wall that serves as a standout focal point.

Upstairs, you’ll be greeted by a spacious loft area offering endless possibilities for a second living room, game room, movie space, playroom, or additional entertainment area. Just off the loft is the generously sized primary suite featuring abundant natural lighting and a private en-suite bathroom complete with dual vanity sinks, a large walk-in shower, and a walk-in closet with built-in shelving for added organization.

The remaining upstairs bedrooms are positioned on the opposite side of the home, offering privacy and flexibility for family or guests. Each bedroom is similar in size and layout while continuing the home’s bright and airy feel with plenty of natural light throughout.

Step outside through the double sliding glass doors and enjoy your own private outdoor retreat. The covered back patio provides shade from the Florida sun and is finished with brick pavers—perfect for outdoor dining, entertaining, or relaxing while overlooking the expansive fenced backyard. With no rear neighbors, peaceful water views, and plenty of open space for gatherings, play, or pets to roam, the backyard truly becomes an extension of the home.

Conveniently located near major roads, highways, shopping, dining, and everyday conveniences, residents of Silver Springs also enjoy access to fantastic community amenities, making this home an exceptional opportunity for comfortable Florida living.

Features

  • Amenities: Clubhouse, Park, Playground, Pool
  • Rooms: 8
  • Bedrooms: 4
  • Baths: 3 full
  • Laundry: Inside
  • Year Built: 2023
  • Garage: 2-car
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 2,634
  • Acreage: 0.32
  • Est. Taxes: $6,069
  • HOA Fee: $112 Monthly
  • Water Front: Yes
  • Pet Policy: Yes
  • Appliances: Built-In Oven, Cooktop, Dishwasher, Microwave
  • MLS#: S5148495
  • Days on Market: 6 days
  • Website: https://www.raveis.com
    /prop/S5148495/441whistlingducktrail_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 5/20/2026 2:17:11 PM)
Listing courtesy of EXP REALTY LLC   Phone: 407-846-0940

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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

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

$470,000

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 $376,000 $376,000 $376,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.250% 6.625% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.609% 6.776% 6.078%
Monthly Tax Payment $506 $506 $506
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,315 $2,408 $3,148
Total Monthly Payment $2,896 $2,989 $3,729

* 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.