491 WHISTLING DUCK TRAIL, ST CLOUD, FL, 34771
Active420 days on marketListed May 30, 2025MLS #O6313749
About this home
491 WHISTLING DUCK TRAIL
Reduced 75k for a quick sale!! Welcome to this exquisite two-story home located at Silver Springs in St. Cloud,FL! Embrace eco-friendly living and enjoy cost savings on your utility bills, thanks to Meritage Homes, an Energy Star builder! Inside this 4-bedroom, 2.5-bathroom home you’ll find an open plan concept with all bedrooms located upstairs for your privacy! The kitchen features white cabinets and elegant granite countertops! The property also boasts ceramic tile throughout the first floor, while the second floor showcases beautiful wood/laminate flooring. Also, the staircase has been recently upgraded with wood and cast iron railing! On the second floor, you’ll find a loft/den area, perfect for your entertainment system, work area or even a cozy reading room!. All stainless steel appliances are included, along with a premium water softener system! Silver Springs has NO CDD and offers many amenities, including a resort-style pool, a clubhouse, and playgrounds! Conveniently located just minutes from Lake Nona Medical City, this property is close to everything the Lake Nona area has to offer! The home is vacant, so come see it today!
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,328
Sqft
0.17 ac
Lot size
2
Garage
2023
Year built
Two
Levels
$183
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.
$3,418 /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
$3,418/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
−11.9%
$/sqft vs SILVER SPRINGS
$183 vs $229
Days on market
420 vs 33 typical
Where $183/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 491 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 · Jun ’26$435,000
511 WHISTLING DUCK TRL · same community
4 bd · 2.5 ba · 2,328 sqft · $187/sqft · 63 DOM
Sold · Apr ’26$437,000
5232 STEPHS FIELD STREET · same community
4 bd · 2.5 ba · 2,468 sqft · $177/sqft · 29 DOM
Sold · Jun ’26$370,000
140 S ZUNI ROAD · same community
4 bd · 2.5 ba · 2,140 sqft · $173/sqft · 165 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 491 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 491 WHISTLING DUCK TRAIL — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
491 WHISTLING DUCK TRAIL FAQs
What would the monthly payment be for 491 WHISTLING DUCK TRAIL?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,418/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 491 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 491 WHISTLING DUCK TRAIL?+
The most recent tax bill on record (2024) was $5,320. 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 491 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 $424,985, this home is priced right at the St Cloud median.
Which schools are assigned to 491 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.
The brief
Three things that matter here
01Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
02Time on market is leverage
420 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $499,995, now $424,985 — a $75K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CT HOMES REALTY CORPORATION · Fernando Orsini. MLS #O6313749.
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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