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Overview

3 bd3 ba2,208 sqft2 car garageSingle Family
TypeSingle Family
HOA$310/mo
Built2017
Lot6,000 sqft
Living area2,208 sqft
Price / sqft$253
Garage2 car

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

About this home

Ceiling Fans(s)Crown MoldingHigh CeilingsKitchen/Family Room ComboLiving Room/Dining Room ComboOpen FloorplanPrimary Bedroom Main FloorSolid Surface Counters

4912 Catalpa Dr is a 2017-built home in Twin Lakes Ph 1, St Cloud. Inside you'll find 3 bedrooms, 3 bathrooms, and 2,208 square feet of living space. Listed at $559,500 (about $253/sqft), 158 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $310 monthly.

From the listing

Welcome to paradise in the highly sought-after, GATED Twin Lakes community in St. Cloud where luxury and resort-style living come together in one immaculate and beautiful home with NO REAR NEIGHBORS. From the moment you arrive you will love the charming, covered FRONT PORCH - the perfect place to enjoy your morning coffee. Inside a bright, open layout unfolds with WOOD-LOOK PLANK FLOORS and elegant plantation shutters. This meticulously maintained home features a newly installed (July 2024) tankless water heater. The spacious Great Room is ideal for entertaining, while the super-cute POCKET OFFICE offers a quiet, efficient workspace. The GOURMET KITCHEN is a true showpiece, featuring 42" cabinetry, extensive glass backsplash, vented hood, stainless steel appliances, built-in wall oven, and abundant granite countertops. The ISLAND Breakfast Bar is stunning! Perfect for entertaining during the Holidays. A HUGE walk-in PANTRY and generously sized Laundry Room add to the exceptional functionality of this home. The Primary Suite is light, airy and beautifully appointed with a tray ceiling, transom window, elegant PLANTATION SHUTTERS and a luxurious Bathroom offering a FRAMELESS glass shower with two shower heads and an expansive granite vanity with exceptional countertop space. The Powder Room is perfectly placed for guests, and the layout includes three bedrooms - one currently set up as a Den. Step outside to nearly 370 square feet of covered outdoor living space, an incredible extension of the home. The BRICK-PAVED PATIO overlooks an idyllic, peaceful view with NO REAR NEIGHBORS, creating a private retreat that feels like your own slice of paradise. ELECTRIC SUN BLINDS to the Sliding Doors and the Screened-in Patio provide shade and comfort at the touch of a button. Twin Lakes offers a lifestyle like no other, with a resort-style pool, clubhouse, fitness center, scenic lakes, walking trails, and the must-see Community Garden. Twin Lakes is known for its vibrant, welcoming atmosphere with a full-time lifestyle director who curates an active social calendar filled with Seminars, Lunch and Learn Events, Trivia, Karaoke and Bingo Nights, to name a few. Enjoy Tennis and Pickleball lessons, or dive into one of the many clubs - Mahjong, Bunco, Crafts, Billiards, Ceramics, Quilting, Line Dancing, Genealogy, Poker, Stitch and Sew! Spend an afternoon on the tranquil shores of Live Oak Lake, Jon Boat and Pontoon Boat use is available through the Association. This is more than just a home, it’s a fantastic lifestyle upgrade in a thriving 55+ community. With privacy, high ceilings and an open layout, this residence offers the perfect blend of elegance, comfort and resort-style living. It's a fabulous opportunity to own a home that truly feels like a private retreat. Located close to Lake Nona and Medical City.

The essentials

Built
2017
Price / sqft
$253
On market
158 days
Annual tax
$8,518
HOA
$310/mo
Flood zone
X · Low risk
Lot
6,000 sqft
Type
Single Family Residence

At a glance

Single family
Built 2017
Community pool
Fitness center too
2 car garage
Driveway
6,000 sqft lot
Lot size
2,208 sqft
Living area

Payment

Est. monthly payment
$4,218/mo
Down payment (20%)
$111,900
Property taxes
$710/mo
HOA
$310/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2017
Lot
6,000 sqft
Cooling
Central Air
Heating
Central, Electric, Heat Pump, Natural Gas
Parking
Driveway, Garage Door Opener
Days on Market
158
Ceiling Fans(s)
Crown Molding
High Ceilings
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Open Floorplan
Primary Bedroom Main Floor
Solid Surface Counters
Split Bedroom
Stone Counters
Thermostat
Tray Ceiling(s)
Walk-in Closet(s)
Window Treatments
Lighting
Rain Gutters
Sidewalk
Buyer Approval Required
Clubhouse
Community Mailbox
Deed Restrictions
Dog Park
Fitness Center
Gated Community - No Guard
Golf Carts OK
Irrigation-reclaimed Water
No Truck/Rv/Motorcycle Parking
Pool
Sidewalks
Special Community Restrictions
Tennis Court(s)
Street Lights
Cooktop
Dishwasher
Disposal
Gas Water Heater
Microwave
Range
Range Hood
Tankless Water Heater
Wine Refrigerator
Homestead exemption on file In a CDD (Community Development District) Flood Zone X
Annual Tax (2025)
$8,518
Parcel #
17-26-31-5261-0001-1000

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 1
County
Osceola
MLS Area
34772 - St Cloud (Narcoossee Road)
Lot Size
6,000 sqft
LandscapedSidewalkPavedPrivate
HOA
$310/mo
Amanda Martineau

Price history

Date
Event
Price
9/1/2026
Price change
Source: Stellar MLS #O6405805
$559,500-0.1%
$253/sqft
5/12/2026
Listed for sale
Source: Stellar MLS #O6405805
$560,000
$254/sqft

Neighborhood

4912 Catalpa Dr
St Cloud, FL, 34772 · 34772 - St Cloud (Narcoossee Road)

Market insights

Offer Insights

Choose an offer strength

List price: $559,500
$555,000 – $559,500
99.5% – 100% of listTops out right at the list price
80% of listList price
243 of the last 393 home closings in 34772 landed at this number or higher (62%). The median one sat 41 days before it went under contract, and this one is on day 158 after a $500 cut.

Sample: 393 closed home sales in 34772 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$4,218/mo
Principal & interest$2,918
Property taxes$710
Insurance$280
HOA$310
Down payment20% · $111,900
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 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

$559,500

$253 per sq ft

Beds and baths

3 beds, 3 baths

Size

2,208 sq ft

Time on market

158 days

Year built

2017

Monthly payment

About $4,218/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $8,518 annual tax bill, insurance, and the $310/mo HOA fee.

HOA fee

$310/mo

Managed by Amanda Martineau.

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 byCOLDWELL BANKER REALTYListing agent: Michelle BardsleyListing data from Stellar MLS, MLS# O6405805.

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