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Overview

4 bd2 ba2,092 sqft2 car garageSingle Family
TypeSingle Family
HOA$110/mo
Built2015
Lot7,405 sqft
Living area2,092 sqft
Price / sqft$191
Garage2 car

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

About this home

Eat-in KitchenHigh CeilingsKitchen/Family Room ComboOpen FloorplanPrimary Bedroom Main FloorSplit BedroomStone CountersWindow Treatments

5106 Appenine Loop W is a 2015-built home in Narcoossee Village Ph 1, St Cloud. Inside you'll find 4 bedrooms, 2 bathrooms, and 2,092 square feet of living space. Listed at $399,000 (about $191/sqft), 65 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $110 monthly.

From the listing

Gorgeous single story home with exterior stone detail, open interior floor plan, and easy entertaining on a corner lot in desirable Narcoossee Village area. This 4 bedroom home boast plenty of space for the family with gorgeous kitchen and entertaining areas. Light, bright and airy, well maintained home with added features such as a dedicated coffee bar area just off the kitchen, laundry room inside the home with space for added cabinet storage and drop zone from the garage. The large primary suite offers huge walk-in closet for two, easy access to rear porch for evening cocktails, and primary bath with dual sinks, separate tub and shower, and water closet room. Additional bedrooms on other side of home (3) share a spacious secondary bath. This corner lot offers an oversized yard space for pets or children's play spaces and a large pool and lanai area if desired. Close proximity to International Airport, sports complexes, and the remodeled quaint, brick-lined, downtown St. Cloud featuring fantastic restaurants, bars, dessert shops, and bookstore speakeasy all within 15 minutes drive. This home is back on the market due to buyers failure to perform and is now your opportunity to own this lovely home!

The essentials

Built
2015
Price / sqft
$191
On market
65 days
Annual tax
$3,984
HOA
$110/mo
Flood zone
X · Low risk
Lot
7,405 sqft
Type
Single Family Residence

At a glance

Single family
Built 2015
Community pool
Shared amenity
2 car garage
Driveway
7,405 sqft lot
Lot size
2,092 sqft
Living area

Payment

Est. monthly payment
$2,722/mo
Down payment (20%)
$79,800
Property taxes
$332/mo
HOA
$110/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2015
Lot
7,405 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway, Garage Door Opener
Days on Market
65
Eat-in Kitchen
High Ceilings
Kitchen/Family Room Combo
Open Floorplan
Primary Bedroom Main Floor
Split Bedroom
Stone Counters
Window Treatments
Sidewalk
Park
Playground
Pool
Sidewalks
Dishwasher
Disposal
Range
Refrigerator
Elementary
VOYAGER K-8
Middle
VOYAGER K-8
High
Tohopekaliga High School

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

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$3,984
Parcel #
20-25-31-4258-0001-0520

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
Narcoossee Village Ph 1
County
Osceola
MLS Area
34771 - St Cloud (Magnolia Square)
Lot Size
7,405 sqft
Corner Lot
HOA
$110/mo
Kayla Govan

Price history

Date
Event
Price
10/4/2026
Price change
Source: Stellar MLS #O6431382
$399,000-1.5%
$191/sqft
8/6/2026
Listed for sale
Source: Stellar MLS #O6431382
$405,000
$194/sqft

Neighborhood

5106 Appenine Loop W
St Cloud, FL, 34771 · 34771 - St Cloud (Magnolia Square)

Market insights

Offer Insights

Choose an offer strength

List price: $399,000
$397,500 – $399,000
99.5% – 100% of listTops out right at the list price
80% of listList price
305 of the last 474 home closings in 34771 landed at this number or higher (64%). The median one sat 36 days before it went under contract, and this one is on day 65 after a $6,000 cut.

Sample: 474 closed home sales in 34771 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$2,722/mo
Principal & interest$2,081
Property taxes$332
Insurance$200
HOA$110
Down payment20% · $79,800
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

$399,000

$191 per sq ft

Beds and baths

4 beds, 2 baths

Size

2,092 sq ft

Time on market

65 days

Year built

2015

Monthly payment

About $2,722/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,984 annual tax bill, insurance, and the $110/mo HOA fee.

HOA fee

$110/mo

Managed by Kayla Govan.

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 byBLUE MAGNOLIA REALTY LLCListing agent: Dawn BriggsListing data from Stellar MLS, MLS# O6431382.

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