

Overview
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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
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.
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.
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The essentials
At a glance
Payment
Details
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
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Sample: 130 closed townhouse or villa sales in 34771 over the last 8 months, Stellar MLS. A starting point, not a guarantee.
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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.
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