Overview
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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.
New construction · 2026
Different rules apply when you buy new
Build snapshot
- Build year
- 2026
- Builder
- Ask the team — not on MLS
- Community
- THE CROSSINGS PH 2
- Type
- Single Family Residence
True monthly carry
- HOA
- ~$10/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
590 Windy Willow Way is a 2026-built home in The Crossings Ph 2, St Cloud. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,066 square feet of living space. Listed at $399,140 (about $193/sqft), 30 days on market. Flood zone x - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $115 annually.
Under Construction. New construction home with 2066 square feet on two-story including 4 bedrooms with loft, 2.5 baths, and an open living area. Enjoy an open kitchen with Silestone countertops, Samsung stainless steel appliances, and a spacious island, fully open to the dining café and gathering room. The living area, laundry room, and baths include luxury wood vinyl plank flooring, with stain-resistant carpet in the bedrooms. Your owner's suite is complete with a walk-in wardrobe and a private en-suite bath with dual vanities, and a tiled shower. 2-car garage, custom-fit window blinds, architectural shingles, energy-efficient insulation and windows, and a full builder warranty. “Please note, virtual tour/photos showcases the home layout; colors and design options in actual home for sale may differ. Furnishings and décor do not convey."
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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: 474 closed home 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 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
$399,140
$193 per sq ft
Beds and baths
4 beds, 3 baths
Size
2,066 sq ft
Time on market
30 days
Year built
2026
Monthly payment
About $2,807/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $0 annual tax bill, insurance, and the $115/yr HOA fee.
HOA fee
$115/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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