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Overview

3 bd2 ba1,846 sqft2 car garageSingle Family
TypeSingle Family
HOA$248/qtr
Built2023
Lot6,500 sqft
Living area1,846 sqft
Price / sqft$211
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)Eat-in KitchenLiving Room/Dining Room ComboOpen FloorplanSmart HomeSolid Surface CountersThermostatWalk-in Closet(s)

405 Chayne Pl is a 2023-built home in Summerly, St Cloud. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,846 square feet of living space. Listed at $389,900 (about $211/sqft), 25 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $248 quarterly.

From the listing

HUGE 40K PRICE REDUCTION.BUILT IN 2023 | FULLY FENCED BACKYARD | DIRECT WALKING TRAIL ACCESS | NO CDD! Discover modern living in the desirable Summerly community of Saint Cloud. This well-maintained 3-bedroom, 2-bathroom home features the popular Aria floor plan, offering an open-concept layout designed for everyday living and entertaining. The kitchen features quartz countertops, stainless steel appliances, and counter space overlooking the dining and living areas. LVP flooring enhances the main living spaces, while the split-bedroom design provides added privacy. The primary suite features a spacious walk-in closet, dual sinks, and a walk-in shower. Enjoy Florida living from your covered lanai overlooking a fully fenced backyard, complete with a private gate leading directly to the community walking trail—a standout feature for morning walks, outdoor activities, and enjoying the neighborhood. Additional conveniences include a smart thermostat, smart lock, video doorbell, security system, and a washer and dryer that convey with the home. The 2-car garage provides additional storage and parking. Summerly residents enjoy a resort-style community pool, playground, low annual HOA, and NO CDD fees. Conveniently located near the Narcoossee Road corridor, with access to shopping, dining, Lake Nona, Medical City, and Orlando International Airport. Enjoy a move-in-ready home with a fenced backyard and thoughtful upgrades already in place. Schedule your private tour and experience everything this home has.

The essentials

Built
2023
Price / sqft
$211
On market
25 days
Annual tax
$5,027
HOA
$248/qtr
Flood zone
X · Low risk
Lot
6,500 sqft
Type
Single Family Residence

At a glance

Single family
Built 2023
Community pool
Shared amenity
2 car garage
6,500 sqft lot
Lot size
1,846 sqft
Living area

Payment

Est. monthly payment
$2,730/mo
Down payment (20%)
$77,980
Property taxes
$419/mo
HOA
$248/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2023
Lot
6,500 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
25
Ceiling Fans(s)
Eat-in Kitchen
Living Room/Dining Room Combo
Open Floorplan
Smart Home
Solid Surface Counters
Thermostat
Walk-in Closet(s)
Rain Gutters
Sidewalk
Sprinkler Metered
Clubhouse
Community Mailbox
Deed Restrictions
Dog Park
Playground
Pool
Sidewalks
Street Lights
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range
Washer
Elementary
Narcoossee Elementary
Middle
Narcoossee Middle
High
Harmony High

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$5,027
Parcel #
28-25-31-5038-0001-2640

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Summerly
County
Osceola
MLS Area
34771 - St Cloud (Magnolia Square)
Lot Size
6,500 sqft
Cleared
HOA
$248/qtr
Summerly Community Association / Larissa

Price history

Date
Event
Price
10/14/2026
Price change
Source: Stellar MLS #G5118060
$389,900-9.3%
$211/sqft
9/20/2026
Listed for sale
Source: Stellar MLS #G5118060
$430,000
$233/sqft

Neighborhood

405 Chayne Pl
St Cloud, FL, 34771 · 34771 - St Cloud (Magnolia Square)

Market insights

Offer Insights

Choose an offer strength

List price: $389,900
$387,500 – $389,900
99.5% – 100% of listTops out right at the list price
80% of listList price
305 of the last 471 home closings in 34771 landed at this number or higher (65%). The median one sat 36 days before it went under contract, and this one is on day 25 after a $40,100 cut.

Sample: 471 closed home sales in 34771 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$2,730/mo
Principal & interest$2,033
Property taxes$419
Insurance$195
HOA$83
Down payment20% · $77,980
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$389,900

$211 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,846 sq ft

Time on market

25 days

Year built

2023

Monthly payment

About $2,730/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,027 annual tax bill, insurance, and the $248/qtr HOA fee.

HOA fee

$248/qtr

Managed by Summerly Community Association / Larissa.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

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Brokered byHOMESMARTListing agent: Nan Seelall LLCListing data from Stellar MLS, MLS# G5118060.

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