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Overview

4 bd3 ba2,334 sqft2 car garageTownhouse
TypeTownhouse
HOA$1,200/yr
Built2027
Lot2,614 sqft
Living area2,334 sqft
Price / sqft$167
Garage2 car

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

New construction · 2027

Different rules apply when you buy new

Build snapshot

Build year
2027
Builder
Ask the team — not on MLS
Community
RALSTON RESERVE
Type
Townhouse

True monthly carry

HOA
~$100/mo
CDD bond
No CDD disclosed
Builder incentives
Ask — change weekly

What we'll do for you on a new build

Builder contract redlines

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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.

About this home

Dog ParkPlaygroundDishwasherDisposalDryerElectric Water HeaterRangeRefrigerator

5441 Osprey Meadow Way is a 2027-built home in Ralston Reserve, St Cloud. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,334 square feet of living space. Listed at $389,900 (about $167/sqft), 45 days on market. Flood zone x - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $1,200 annually.

From the listing

Under Construction. Spacious, open-layout end-unit townhome featuring 4 bedrooms and an attached alley-entry 2-car garage. The first floor offers a bright, inviting living area with beautiful finishes and thoughtful details throughout. Upstairs, enjoy four generously sized bedrooms, including a spacious primary suite with a private owner's retreat, walk-in wardrobe, and en-suite bath featuring dual vanities, glass-enclosed tiled shower, linen closet, and private water closet. The professionally designed kitchen features a counter-height island, quartz countertops, 36-inch soft-close cabinetry with crown molding and decorative hardware, decorative tile backsplash, stainless steel undermount sink with pull-down faucet, pantry, and Samsung stainless steel appliances, including a 5-burner smooth-top electric range with Wi-Fi smart controls, fingerprint-resistant microwave with ventilation system, ENERGY STAR® quiet-operation dishwasher, and ENERGY STAR® side-by-side refrigerator. Additional features include a convenient powder room, Samsung full-size washer and dryer, low-maintenance luxury vinyl plank flooring throughout the first floor, laundry room, and bathrooms, stain-resistant Shaw carpeting in the bedrooms, energy-efficient LED lighting, custom-fit 2-inch faux wood blinds, and more. Energy-efficient construction includes R-30 insulation, foam-injected block insulation, double-pane Low-E windows, and a programmable thermostat. This thoughtfully designed new construction home offers style, comfort, convenience, and energy efficiency.

The essentials

Built
2027
Price / sqft
$167
On market
45 days
Annual tax
$0
HOA
$1,200/yr
Flood zone
X · Low risk
Lot
2,614 sqft
Type
Townhouse

At a glance

Townhouse
Built 2027
2 car garage
2,614 sqft lot
Lot size
2,334 sqft
Living area
Brand new
Built 2027

Payment

Est. monthly payment
$2,832/mo
Down payment (20%)
$77,980
Property taxes
$0/mo
HOA
$1,200/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Townhouse
Year Built
2027
Lot
2,614 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
45
Dog Park
Playground
Dishwasher
Disposal
Dryer
Electric Water Heater
Range
Refrigerator
Washer
Flood Zone x
Annual Tax (2026)
$0
Parcel #
21-25-31-4753-0001-0460

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
Ralston Reserve
County
Osceola
MLS Area
34771 - St Cloud (Magnolia Square)
Lot Size
2,614 sqft
HOA
$1,200/yr
HCMANAGEMENT

Price history

Date
Event
Price
9/3/2026
Listed for sale
Source: Stellar MLS #L4964834
$389,900
$167/sqft

Neighborhood

5441 Osprey Meadow Way
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
95 of the last 130 townhouse or villa closings in 34771 landed at this number or higher (73%). The median one sat 44 days before it went under contract, and this one is on day 45.

Sample: 130 closed townhouse or villa 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
$2,832/mo
Principal & interest$2,033
Property taxes$504
Insurance$195
HOA$100
Down payment20% · $77,980
Interest rate6.80%
Loan term

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Property taxes estimated at 1.55% of price a year. 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

$167 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,334 sq ft

Time on market

45 days

Year built

2027

Monthly payment

About $2,832/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $0 annual tax bill, insurance, and the $1,200/yr HOA fee.

HOA fee

$1,200/yr

Managed by HCMANAGEMENT.

Flood zone

Zone X

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

Offer

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Have another question?

Brokered byCAMBRIDGE REALTY OF CENTRAL FLListing agent: George Lindsey, IIIListing data from Stellar MLS, MLS# L4964834.

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