5370 WHISPERING PINE CIRCLE, ST CLOUD, FL, 34771
Active28 days on marketListed Aug 24, 2026MLS #O6436258
About this home
5370 WHISPERING PINE CIRCLE
CANAL-FRONT POOL HOME WITH PRIVATE DOCK & BOAT LIFT — MOVE-IN READY! BEAUTIFUL WIDE-OPEN WATER VIEWS FROM VIRTUALLY EVERY ROOM • EXCEPTIONAL PRIVACY FRONT & BACK. Enjoy peaceful waterfront living from your own backyard with this move in ready canal-front pool home with covered boat dock, featuring stunning wide-open views. Home is located in the sought-after Majestic Oaks subdivision minutes from Medical City, and Lake Nona. This canal-front property boasts .55 acres with direct access to CHAIN OF LAKES; Lake Ajay, Fells Cove and East Lake Tohopekaliga. Private custom-built (2021) Trex dock with a boat lift accommodates up to a 21-foot boat, inviting you to enjoy boating, skiing, fishing, paddleboarding, or taking in the serene canal views. The home perfectly blends original charm and contemporary updates, featuring four spacious bedrooms, two baths, and an open floor plan with beautiful views from every room. The kitchen is a chef's delight, featuring a massive peninsula, double oven, built in microwave drawer, custom soft-close cabinetry that reaches the ceiling, black stainless-steel appliances, handmade tile backsplash, quartz countertops, a granite sink with a touch faucet. A spacious owner’s suite provides plenty of space for a seating area, with direct access to the covered lanai. It’s the perfect place to retreat and recharge. The primary ensuite features dual vanities and a walk-in shower. Additional highlights of this home include an extensive paved driveway, two-person sauna, newer solid wood interior doors, newly replaced energy efficient double-pane windows, all three sliding glass doors and both double doors, extra attic insulation, a stone wood burning fireplace with an electric insert, LVP flooring, plantation shutters, and spacious closets throughout. Step outside to a re-surfaced Pebble-Tech finished heated saltwater pool with travertine pavers for year-round enjoyment under the screened lanai. This elevated home has never flooded providing peace of mind. Located just 2 miles from Lake Nona and less than a mile from Publix. Enjoy lower taxes without sacrificing convenience.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,259
Sqft
0.55 ac
Lot size
2
Garage
1984
Year built
One
Levels
$332
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.
$4,623 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,623/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+23.5%
$/sqft vs MAJESTIC OAKS
$332 vs $214
Days on market
28 vs 47 typical
Where $332/sqft sits among the 6 homes for sale in MAJESTIC OAKS
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
$412K → $394K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
1 of 6
MAJESTIC OAKS have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 82% above the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 5370 WHISPERING PINE CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$414,000
5381 SW 89TH PLACE · same community
3 bd · 3 ba · 2,251 sqft · $184/sqft · 14 DOM
Sold · Oct ’25$330,000
5392 SW 89TH STREET · same community
3 bd · 2 ba · 2,269 sqft · $145/sqft · 9 DOM
Sold · Jun ’26$590,000
5369 CROOKED OAK CIRCLE · same community
4 bd · 2 ba · 2,279 sqft · $259/sqft · 233 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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 5370 WHISPERING PINE CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5370 WHISPERING PINE CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5370 WHISPERING PINE CIRCLE FAQs
What would the monthly payment be for 5370 WHISPERING PINE CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,623/mo — principal and interest, the actual property-tax bill, the $83/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 5370 WHISPERING PINE CIRCLE?+
The association fee works out to $83 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5370 WHISPERING PINE CIRCLE?+
The most recent tax bill on record (2024) was $631. 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 5370 WHISPERING PINE CIRCLE?+
The listing reports pets: Breed Restrictions. 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 $749,900, this home is listed about 75% above the St Cloud median of $429,000. The market section on this page shows how the area is trending.
Which schools are assigned to 5370 WHISPERING PINE CIRCLE?+
Harmony Community School (elementary), Harmony High School (high), Narcoossee Middle School (middle) — Osceola County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$749,900 runs 82% above the ST CLOUD 34771 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong assigned schools
Harmony Community School, Harmony High School, Narcoossee Middle School — Harmony Community School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $765,000, now $749,900 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BEYCOME OF FLORIDA LLC · Steven Koleno. MLS #O6436258.
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.
Never miss a listing
New St Cloud homes, in your inbox
Like 5370 WHISPERING PINE CIRCLE but not quite? A daily digest of every new listing in St Cloud — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask John to ping you on any price or status change →