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511 Whistling Duck Trl, Saint Cloud, FL, 34771

4beds
3baths
2,328sqft
$430,000
$185price/sqft
$2,957/moest. monthly cost
$118,280/yrincome needed

About This Home

Some homes have a backyard. This one has a lifestyle. Tucked inside a sought-after St. Cloud community just minutes from Lake Nona and Medical City, this stunning 4-bedroom, 3-bathroom home sits on a premium lot with serene water views, no rear neighbors, and a generously sized yard that delivers the privacy and breathing room nearly impossible to find in today's Central Florida market. Step outside onto the extended covered patio, a true outdoor living room with upgraded concrete flooring and a full roof covering where weekends mean hosting, unwinding, and watching the sun set over the water from your own backyard. Inside, the upgrades continue throughout, with an open-concept kitchen featuring quartz countertops that flows effortlessly into the main living and dining spaces, the kind of layout where family life just works, whether it's a quiet Tuesday night or a house full of guests. Upstairs, a sunlit loft opens up endless possibilities as a playroom, media room, or creative retreat, while the primary suite serves as a genuine sanctuary with a generous walk-in closet and double-vanity en suite bath. Three additional well-sized bedrooms provide comfortable space for everyone under the roof. Built with energy-efficient construction that keeps utility costs low year-round, residents enjoy a community pool, cabana, park, and tot lot just steps away — all within minutes of the dining, retail, and major employment centers along the Narcoossee Road corridor. Homes with this view, this yard, and these upgrades in St. Cloud don't come along often, this is the one.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

9/10
Voyager K-8Grades K-84.9 mi
5/10
Harmony High SchoolGrades 9-128.2 mi

Construction

Condition

  • Year built: 2023

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Block,Cement Siding,Concrete,Stucco

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Refrigerator,Solar Hot Water Rented
  • Laundry features: Inside

Bedroom2

  • Features: Built-in Closet
  • Level: Second

Bedroom3

  • Features: Built-in Closet
  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Kitchen/Family Room Combo
  • Flooring: Tile

Great Room

  • Level: First

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,888
  • Total interior livable area: 2,328 sqft

Kitchen

  • Level: First

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: Second

Property

Details

  • Parcel number: 282531503700010300
  • Zoning: RES
  • Special condition: None

Features

  • Levels: Two
  • Stories: 2
  • Exterior features: Irrigation System
  • Has view: Yes
  • View description: Lake
  • Has water view: Yes
  • Water view: Lake

Lot

  • Lot size: 7,282 sqft

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Lightning
    LightningVery High
  • Strong Wind
    Strong WindVery High
  • Tornado
    TornadoRelatively High
  • Wildfire
    WildfireRelatively High
  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Tornado
Wildfire
Hurricane
Inland Flooding

FEMA Declared Disasters in Osceola County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,174$26,088
Home Insurance *$242$2,904
Property Taxes $307$3,684
Electricity $234$2,811
Total$2,957$35,484
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$101,382/yr
40% on housing$88,710/yr
45% on housing$78,853/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 13.0%
13.0%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 4.8%
4.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$185This listing

vs Other Active Listings

Avg $/sqft

ZIP 34771$226
Osceola County$185

vs Homes Sold Last Month

Median $/sqft

ZIP 34771$211
Osceola County$205

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-21Price change$430,000
2026-03-28Price change$440,000
2026-03-11Listed for sale$450,000
2023-06-29Sold$455,640
2023-04-19Pending sale$469,640
2023-02-07Price change$469,640
2022-11-18Listed for sale$469,560

For Sale by Agent

AgentJessica Macias
BrokerageKELLER WILLIAMS ADVANTAGE III

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