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$749,900

5370 WHISPERING PINE CIRCLE, ST CLOUD, FL 34771

Active21 days on market

Beds

4

Baths

2

Sq Ft

2,259 sq ft

Year Built

1984

Lot Size

0.55 acres

Garage

2

About This Property

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.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #O6436258
StatusActive
Year Built1984
Total Rooms12
ConstructionBlock, Concrete, Stone, Stucco
RoofShingle
FoundationSlab
FacesNorth
SubdivisionMAJESTIC OAKS
CountyOsceola
OwnershipFee Simple
FurnishedNegotiable

Interior Features

InteriorCeiling Fan(s), Eating Space In Kitchen, Kitchen/Family Room Combo, Open Floorplan, Primary Bedroom Main Floor, Sauna, Solid Surface Counters, Split Bedroom, Thermostat, Vaulted Ceiling(s), Walk-In Closet(s), Window Treatments
FlooringCarpet, Luxury Vinyl
AppliancesConvection Oven, Cooktop, Dishwasher, Disposal, Electric Water Heater, Exhaust Fan, Ice Maker, Microwave, Range, Range Hood, Refrigerator, Touchless Faucet
LaundryLaundry Room
CoolingCentral Air
HeatingElectric, Heat Pump
FireplaceYes ()

Exterior & Lot

ExteriorCourtyard, Dog Run, French Doors, Irrigation System, Lighting, Private Mailbox, Rain Gutters, Sauna, Sliding Doors
Lot Size0.55 acres (23,958 sq ft)
Road SurfaceAsphalt, Paved

Pool & Spa

Private PoolYes
Pool FeaturesChlorine Free, Deck, Gunite, Heated, In Ground, Lighting, Salt Water, Screen Enclosure, Tile

Waterfront

WaterfrontYes
FeaturesCanal - Freshwater

Utilities

WaterPublic
SewerSeptic Tank
UtilitiesPublic

Parking

GarageYes (2 spaces)

HOA & Community

HOAYes
HOA Fee$248 / Quarterly
Senior CommunityNo

Financial Details

List Price$749,900
Original Price$765,000
Annual Taxes$631 (2024)
FinancingCash, Conventional, FHA, Other, VA Loan
ZoningOPUD
Parcel #052531402500010570

Schools

ElementaryNarcoossee Elementary
MiddleNarcoossee Middle
HighTohopekaliga High School

Directions

Drive north on Narcoossee Road/CR 15. Left to Whisper Wind Drive. Right to Majestic Oak Drive. Left to Whispering Pine Circle. Property is on the left.

Location

5370 WHISPERING PINE CIRCLE, ST CLOUD, FL 34771

Listing Information

OfficeBEYCOME OF FLORIDA LLC
ListedAugust 24, 2026

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Home Price

$749,900

20% ($149,980)
6.75%

Loan Term

Principal & Interest$3,891
Property Tax (est.)$687
Insurance (est.)$150
Total Monthly$4,728
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $749,900 home in ST CLOUD.

🏛️

FHA Loan

$26,247 Down

Government-backed, low down payment. Credit scores as low as 580.

🎖️

VA Loan

$0 Down

Zero down for eligible veterans, active duty, and military families.

🏦

Conventional

$37,495 Down

Traditional financing. As low as 3-5% down with good credit.

Florida Down Payment Assistance Programs

You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000

First-time buyers working in FL

FL Assist

Up to $10,000

FHA, VA, or USDA borrowers

FL HLP Second Mortgage

Up to $10,000

First-time buyers, 0% deferred

Can You Afford This Home?

Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.

Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: September 14, 2026.

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