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Overview

4 bd3 ba2,667 sqft2 car garageSingle Family
TypeSingle Family
HOA$181.25/qtr
Built2023
Lot6,970 sqft
Living area2,667 sqft
Price / sqft$195
Garage2 car

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

About this home

Ceiling Fans(s)Eat-in KitchenHigh CeilingsLiving Room/Dining Room ComboPrimarybedroom UpstairsThermostatWalk-in Closet(s)Lighting

5592 Vigo Loop is a 2023-built home in Siena Reserve Ph 2c, St Cloud. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,667 square feet of living space. Listed at $519,990 (about $195/sqft), 81 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $181.25 quarterly.

From the listing

Welcome to Siena Reserve, a beautiful community in charming St. Cloud offering an affordable HOA and no CDD. Surrounded by picturesque wetlands and tranquil ponds, this inviting community provides a peaceful setting filled with Florida’s natural beauty and wildlife, while remaining conveniently close to Central Florida’s shopping, dining, entertainment, and major attractions. Nearly new and built in 2023, this impressive 4-bedroom, 3-bath home combines modern style, spacious living, and a thoughtfully designed floor plan. From the moment you step inside, you’re welcomed by soaring 9’4” ceilings, an abundance of natural light, and a versatile office/flex space, perfect for working from home, studying, or creating a quiet sitting area. Continue down the hall and the home opens beautifully into a bright and airy open-concept living, dining, and kitchen area designed for gathering and entertaining. The spacious kitchen serves as the heart of the home, featuring granite countertops, a large center island with seating, abundant cabinetry, and generous prep space. The seamless layout creates an effortless flow between the kitchen, dining, and living areas, while large sliding glass doors fill the space with natural light and invite you outdoors. Step through the sliders onto the covered lanai, where indoor and outdoor living come together. Beyond the lanai is a huge, fully fenced backyard on an oversized corner lot, offering wonderful privacy and plenty of room to entertain, play, garden, or simply enjoy the Florida sunshine. Back inside, a desirable first-floor bedroom and full bathroom provide flexibility for guests, extended family, or multigenerational living. Head upstairs to discover a spacious loft, perfect for a second family room, media room, game room, or additional flex space, along with the remaining bedrooms and private primary suite. Additional features include a Nest Smart Thermostat, extended paver driveway and walkway, garage door opener, and covered lanai, adding convenience, comfort, and curb appeal. Siena Reserve completes the Florida lifestyle with a resort-style swimming pool and shaded cabanas, along with the beauty of surrounding ponds and conservation areas. Conveniently located near the Florida Turnpike and US-192, you’ll enjoy easy access to Lake Nona, Kissimmee, Orlando, shopping, dining, recreation, and the many attractions and conveniences throughout Central Florida Nearly new, beautifully designed, and offering the space, privacy, and lifestyle you’ve been looking for, this one truly checks all the boxes. Come experience it for yourself and make it yours!

The essentials

Built
2023
Price / sqft
$195
On market
81 days
Annual tax
$6,503
HOA
$181.25/qtr
Flood zone
X · Low risk
Lot
6,970 sqft
Type
Single Family Residence

At a glance

Single family
Built 2023
Community pool
Shared amenity
2 car garage
Driveway
6,970 sqft lot
Lot size
2,667 sqft
Living area

Payment

Est. monthly payment
$3,574/mo
Down payment (20%)
$103,998
Property taxes
$542/mo
HOA
$181.25/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2023
Lot
6,970 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway, Garage Door Opener
Days on Market
81
Ceiling Fans(s)
Eat-in Kitchen
High Ceilings
Living Room/Dining Room Combo
Primarybedroom Upstairs
Thermostat
Walk-in Closet(s)
Lighting
Private Yard
Sidewalk
Sprinkler Metered
Deed Restrictions
Park
Playground
Pool
Street Lights
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
Elementary
Narcoossee Elementary
Middle
Narcoossee Middle
High
Harmony High

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

Flood Zone X
Annual Tax (2025)
$6,503
Parcel #
21-25-31-4979-0001-3320

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
Siena Reserve Ph 2c
County
Osceola
MLS Area
34771 - St Cloud (Magnolia Square)
Lot Size
6,970 sqft
HOA
$181.25/qtr
Highland Community Management

Price history

Date
Event
Price
7/28/2026
Listed for sale
Source: Stellar MLS #O6429826
$519,990
$195/sqft

Neighborhood

5592 Vigo Loop
St Cloud, FL, 34771 · 34771 - St Cloud (Magnolia Square)

Market insights

Offer Insights

Choose an offer strength

List price: $519,990
$515,000 – $519,990
99.5% – 100% of listTops out right at the list price
80% of listList price
304 of the last 469 home closings in 34771 landed at this number or higher (65%). The median one sat 36 days before it went under contract, and this one is on day 81.

Sample: 469 closed home sales in 34771 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$3,574/mo
Principal & interest$2,712
Property taxes$542
Insurance$260
HOA$60
Down payment20% · $103,998
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

$519,990

$195 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,667 sq ft

Time on market

81 days

Year built

2023

Monthly payment

About $3,574/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $6,503 annual tax bill, insurance, and the $181.25/qtr HOA fee.

HOA fee

$181.25/qtr

Managed by Highland Community 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 byCOLDWELL BANKER REALTYListing agent: Irma ShafferListing data from Stellar MLS, MLS# O6429826.

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