Overview
Ask anything about this home
Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.
Open house
Saturday, Oct 10 · 1:00 PM to 5:00 PM
New construction · 2026
Different rules apply when you buy new
Build snapshot
- Build year
- 2026
- Builder
- Ask the team — not on MLS
- Community
- WATERLIN 45'S
- Type
- Single Family Residence
True monthly carry
- HOA
- ~$75/mo
- CDD bond
- Yes — typically $1,500–$3,500/yr
- Builder incentives
- Ask — change weekly
What we'll do for you on a new build
Builder contract redlines
Builder contracts favor the builder. We mark up the clauses you should push back on before you sign.
11-month inspection
Your 1-year warranty expires quietly. We book an independent inspection at month 11 — saves $5K+ on average in caught defects.
Verified incentives
We verify the current builder incentives every time we walk a community. Rate buy-downs, design-center credits, closing costs — all itemized.
CDD heads-up.This community is in a Community Development District — there's a separate annual bond payment ($1,500–$3,500 typical) on top of HOA that builders often roll into the mortgage statement. Worth knowing before you write an offer.
About this home
4572 Firefly Ln is a 2026-built home in Waterlin 45's, St Cloud. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,100 square feet of living space. Listed at $443,396 (about $211/sqft), 16 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $75 monthly.
Virtually Staged. Under Construction. The Magnolia floor plan offers a comfortable two-story layout featuring 4 bedrooms and 2.5 bathrooms, ideal for those seeking both space and functionality. The main floor includes a spacious family room adjacent to the dining area, with a covered patio extending from the Living room for outdoor enjoyment. The kitchen provides direct access to the dining space, and a separate laundry room sits conveniently near the two-car garage entrance. The primary suite, located on the first floor, includes a private bathroom and a walk-in closet, creating a peaceful retreat. Upstairs, a versatile loft area is surrounded by three additional bedrooms, making it perfect for a cozy lounge or play area. The Magnolia balances everyday convenience with thoughtful design for a welcoming home environment. The sample photos show the model home and are meant to showcase the craftsmanship and design quality.
Request documents
Free. Tap one and our team sends it over.
The essentials
At a glance
Payment
Details
Districts can re-zone, so verify directly with the district before relying on these.
Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
Price history
Neighborhood
Market insights
Offer Insights
Choose an offer strength
Sample: 376 closed home sales in 34772 over the last 8 months, Stellar MLS. A starting point, not a guarantee.
Talk through an offer with our teamCalculator
Not sure what you can afford?
Put in your household income and we will tell you where this payment sits.
Property taxes estimated at 1.55% of price a year. Insurance estimated at 0.60%. HOA is the fee 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
$443,396
$211 per sq ft
Beds and baths
4 beds, 3 baths
Size
2,100 sq ft
Time on market
16 days
Year built
2026
Monthly payment
About $3,181/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $0 annual tax bill, insurance, and the $75/mo HOA fee.
HOA fee
$75/mo
Managed by Gov Mngt Service.
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?
Have another question?
Keep exploring Florida
Pick up where you left off, or see what else is out there.
