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Overview

4 bd3 ba1,957 sqft2 car garageSingle Family
TypeSingle Family
HOA$228/qtr
Built2023
Lot6,534 sqft
Living area1,957 sqft
Price / sqft$266
Garage2 car

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

About this home

Eat-in KitchenKitchen/Family Room ComboLiving Room/Dining Room ComboLightingRain GuttersSidewalkDishwasherDryer

2905 Tupelo Loop is a 2023-built home in Twin Lakes Ph 8, St Cloud. Inside you'll find 4 bedrooms, 3 bathrooms, and 1,957 square feet of living space. Listed at $519,900 (about $266/sqft), 173 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $228 quarterly.

From the listing

MODEL-QUALITY FINISHES - SMART UPGRADES THROUGHOUT. Welcome to Twin Lakes Reserve, a tranquil and meticulously planned enclave in St. Cloud. This 2023 residence is fully loaded with premium upgrades and ready for immediate move-in.EXTERIOR HIGHLIGHTS: This home features extensive upgrades including premium artistic pavers in both front and back yards. The backyard is a private sanctuary with artistic landscaping and a full privacy fence. The highlight is the upgraded lanai, featuring a fully motorized retractable power screen system and a wall-mounted TV, creating the ultimate outdoor media lounge.INTERIOR LUXURY: Enjoy an entirely CARPET-FREE home featuring premium Luxury Vinyl Plank (LVP) flooring throughout. The gourmet kitchen boasts a massive oversized island with high-end Quartz countertops. This home is equipped with a tankless water heater for efficiency. Every bedroom includes custom-built closet systems and high-end designer ceiling fans.PREMIER LOCATION: Minutes away from major highways, Orlando International Airport, and world-class theme parks. Why wait for a new build? Experience the perfect blend of modern technology and refined design. Schedule your private showing today!

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The essentials

Built
2023
Price / sqft
$266
On market
173 days
Annual tax
$1,570
HOA
$228/qtr
Flood zone
X · Low risk
Lot
6,534 sqft
Type
Single Family Residence

At a glance

Single family
Built 2023
2 car garage
Driveway
6,534 sqft lot
Lot size
1,957 sqft
Living area

Payment

Est. monthly payment
$3,178/mo
Down payment (20%)
$103,980
Property taxes
$131/mo
HOA
$228/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2023
Lot
6,534 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway
Days on Market
173
Eat-in Kitchen
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Lighting
Rain Gutters
Sidewalk
Dishwasher
Dryer
Microwave
Range
Refrigerator
Washer
Elementary
Neptune Elementary
Middle
Neptune Middle (6-8)
High
Gateway High School (9 12)

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

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$1,570
Parcel #
20-26-31-5265-0001-1067

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
Twin Lakes Ph 8
County
Osceola
MLS Area
34772 - St Cloud (Narcoossee Road)
Lot Size
6,534 sqft
HOA
$228/qtr
Evergreen Lifestyles Management

Price history

Date
Event
Price
4/21/2026
Listed for sale
Source: Stellar MLS #O6402805
$519,900
$266/sqft

Neighborhood

2905 Tupelo Loop
St Cloud, FL, 34772 · 34772 - St Cloud (Narcoossee Road)

Market insights

Offer Insights

Choose an offer strength

List price: $519,900
$515,000 – $519,900
99.5% – 100% of listTops out right at the list price
80% of listList price
235 of the last 376 home closings in 34772 landed at this number or higher (63%). The median one sat 41 days before it went under contract, and this one is on day 173.

Sample: 376 closed home sales in 34772 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$3,178/mo
Principal & interest$2,711
Property taxes$131
Insurance$260
HOA$76
Down payment20% · $103,980
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 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

$519,900

$266 per sq ft

Beds and baths

4 beds, 3 baths

Size

1,957 sq ft

Time on market

173 days

Year built

2023

Monthly payment

About $3,178/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $1,570 annual tax bill, insurance, and the $228/qtr HOA fee.

HOA fee

$228/qtr

Managed by Evergreen Lifestyles Management.

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?

Brokered byVALSTAR REALTY LLCListing agent: Junzhi LiuListing data from Stellar MLS, MLS# O6402805.

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