3180 WHISPER WIND DR, ST CLOUD, FL, 34771
Active3 days on marketListed Sep 17, 2026MLS #S5157792
About this home
3180 WHISPER WIND DR
Welcome to this exceptional 3-bedroom, 2-bathroom home in the beautiful gated community of Lake Ajay, ideally located less than a mile from Lake Nona. This home has been completely transformed from the inside out. The owner stripped the home down to its core, removing all interior finishes, wiring, plumbing, and non-load-bearing walls before rebuilding it with quality and attention to detail throughout.The extensive renovation includes new ductwork, plumbing, electrical, and additional attic insulation, along with energy-efficient windows designed to help reduce heating and cooling costs. High ceilings, abundant recessed lighting, and luxury vinyl flooring throughout create a bright, modern, and inviting atmosphere. The stunning kitchen offers an abundance of cabinetry, including extensive storage beneath the oversized island, which features a beautiful waterfall quartz countertop and a touchless faucet. A stylish wet bar with an additional sink and wine refrigerator makes entertaining effortless. The spacious primary suite offers a spa-like ensuite bathroom featuring dual sinks, floor-to-ceiling tile, and a large walk-in shower with two rain shower heads. The second bathroom is equally impressive, with a walk-in shower and rain shower.Step outside and discover an entertainer’s dream! Enjoy the huge covered, brick-pavered patio overlooking the large screened-in pool area. A newly added pool deck and fire pit provide the perfect setting for relaxing or entertaining family and friends. The backyard borders a 5-acre greenspace, offering exceptional privacy and a peaceful natural backdrop.Bring your boat! The expanded, newly paved driveway provides plenty of space for boat parking. Residents also enjoy access to a community boat ramp with access to Lake Ajay, Fells Cove, and East Lake Tohopekaliga—perfect for boating, fishing, and water sports.The gated community also offers amenities including basketball, tennis, and pickleball. The prime location puts you less than 10 minutes from Lake Nona’s renowned shopping, dining, and entertainment, approximately 20 minutes from Orlando International Airport, and convenient to major highways SR 417 and SR 528.This exceptional home combines extensive renovation, modern finishes, outdoor entertaining, privacy, and an unbeatable location. Don't miss the opportunity to make this Lake Ajay gem your new home!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,962
Sqft
0.5 ac
Lot size
2
Garage
1982
Year built
One
Levels
$372
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.
$4,970 /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
$4,970/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
+50.1%
$/sqft vs St Cloud actives
$372 vs $217
Days on market
3 vs 47 typical
Where $372/sqft sits among the 400 St Cloud actives
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)
243 of 400
St Cloud actives have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 78% 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 3180 WHISPER WIND DR
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$625,000
5302 FOREST BREEZE COURT · same community
4 bd · 2 ba · 2,301 sqft · $272/sqft · 69 DOM
Sold · Jul ’26$310,000
3025 ELLA WAY
3 bd · 3 ba · 1,996 sqft · $155/sqft · 55 DOM
Sold · Jun ’26$530,000
5229 HAMMOCK CIRCLE
3 bd · 2.5 ba · 2,027 sqft · $261/sqft · 113 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 3180 WHISPER WIND DR — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3180 WHISPER WIND DR — 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
3180 WHISPER WIND DR FAQs
What would the monthly payment be for 3180 WHISPER WIND DR?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,970/mo — principal and interest, the actual property-tax bill, the $142/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 3180 WHISPER WIND DR?+
The association fee works out to $142 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3180 WHISPER WIND DR?+
The most recent tax bill on record (2025) was $5,464. 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 3180 WHISPER WIND DR?+
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 $729,980, this home is listed about 70% 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 3180 WHISPER WIND DR?+
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
$729,980 runs 78% above the ST CLOUD 34771 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Fresh on the market
Only 3 days on market in a St Cloud market that averages 47 — if it fits, move quickly.
04Strong assigned schools
Harmony Community School, Harmony High School, Narcoossee Middle School — Harmony Community School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of ORLANDO REGIONAL REALTY · Heike Knaus. MLS #S5157792.
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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