Residential Property - Single Family Residence in St Cloud
Listing Price: $499,000 (Mortgage Calculator →)
Description of Property
In a community where 4-bedroom homes have sold for over $750,000 in the past six months, this fully upgraded 5-bedroom + office home presents a rare entry point at $499,000 — more space, more upgrades, and move-in ready today. 2,631 square feet of carpet-free living. Luxury wood-look ceramic tile covers the entire first floor. Durable luxury vinyl plank continues upstairs. The result is a clean, low-maintenance finish that looks like a model home because it was built like one — with over $50,000 in premium upgrades throughout. The layout works for real life. A dedicated first-floor office handles remote work. A first-floor guest room accommodates visitors or in-laws without disrupting the household. Upstairs, the converted loft is now a true fifth bedroom — giving large families the flexibility they actually need. The kitchen is built for people who cook. Quartz countertops, an oversized island, stainless steel appliances, and natural gas cooking — all open to the great room for effortless entertaining. The primary suite delivers a hotel-level experience: porcelain tile, frameless glass shower, dual vanities, and gold fixtures throughout. A whole-home water filtration system and gas tankless water heater round out the infrastructure — pure water and endless hot water, from day one. Step outside to a fully fenced backyard with preserve views and no rear neighbors. Private, quiet, and ready for a pool. Community amenities include a resort-style pool, splash pad, dog park, and walking trails. Location puts you minutes from Narcoossee Road, Lake Nona Medical City, top-rated schools, and the 192 corridor — with Orlando International Airport 30 minutes out and Florida's beaches under an hour away. This home also qualifies for up to $25,495 in down payment assistance plus a 1% interest rate buydown through the preferred lender — making the numbers work for more buyers than you'd expect.









































Property Details At A Glance
Property Type: Residential
Property Use or Sub Type: Single Family Residence
City: St Cloud
County: Osceola
Subdivision: The Reserve At Twin Lakes
Bedrooms: 5
Bathrooms: 3
Sq. Ft. Gross: 3,123
Sq. Ft. Living Area: 2,631
Cost per (heated) sqare foot: $190
Year built: 2024
Annual Tax: $2,979
HOA Fee: $76 Monthly
Other Tax Assessments: $1,381
Taxes and fees can change periodically, and other fees may apply. Please check with your Suncoasteam agent for more details.
- Private Road
Appliances: Water Softener
Window Features: Low-Emissivity Windows
Additional Rooms: Bonus Room
Flooring: Tile
Green Features
Indoor Air Quality: No/Low VOC Paint/Finish
Green Energy Features: Windows
GreenWater Conservation: Low-Flow Fixtures
Schools
Elementary School: Hickory Tree Elem
Middle/Junior High School: Harmony Middle
High School: Harmony High
Pool & Waterfront Info
Private Pool: Not specified
Exterior & Construction
Construction: Stucco
Foundation: Slab
Roof: Shingle
Exterior Features: Sprinkler Metered
Garage: Yes
Garage Spaces: 2
Parking Features: Garage Door Opener
Floors Total: 2
Floors in Unit: Two
Cooling: Central Air
Heating & Fuel: Natural Gas
Patio & Porch Features: Rear Porch
View: Park/Greenbelt
Fencing: Fenced
Sewer: Public Sewer
Water Source: Public
Community Features: Sidewalks
Association Amenities: Pool
Lot Information
Lot Features: Sidewalk
Lot Size (acres): 0.14
Lot Size (sq. ft.): 6,000 square feet
Lot Dimensions: 50 x 120
Front Exposure: West
Legal Description & Other Information
Financing Available: VA Loan
Parcel Number: 202631526600011242
Zoning: RES
Pets Allowed/Pet Policies: Yes
Tax Legal Desc.: TWIN LAKES PH 7A PB 34 PGS 1-5 LOT 1242
Section: 20
Range: 31
Listing courtesy of EXP REALTY LLC. The information relating to real estate for sale on this website comes in part from the My Florida Regional MLS DBA Stellar MLS. This information is provided exclusively for consumers' personal, non-commercial use. It may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data is deemed reliable but is not guaranteed accurate by the MLS.