Overview
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New construction · 2026
Different rules apply when you buy new
Build snapshot
- Build year
- 2026
- Builder
- Ask the team — not on MLS
- Community
- THE WATERS AT CENTER LAKE RANCH
- Type
- Single Family Residence
True monthly carry
- HOA
- ~$173/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
5085 Lost Key Pl is a 2026-built home in The Waters At Center Lake Ranch, St Cloud. Inside you'll find 3 bedrooms, 3 bathrooms, and 1,790 square feet of living space. Listed at $430,304 (about $240/sqft), 58 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $172.78 monthly.
Under Construction. What's Special: Close to Trails | Flex Room | Covered Lanai. New Construction - October Completion! Welcome to the Saint Vincent at 5085 Lost Key Place in The Waters at Center Lake Ranch! The open-concept layout features a great room, dining area, and kitchen with a large island and walk-in pantry, creating the perfect setting for gathering. Just beyond the main living space, the covered lanai offers a place to relax and enjoy the outdoors year-round. Tucked away, the primary suite includes an ensuite bath and a peaceful retreat from the day. Three secondary bedrooms provide flexibility for guests, a home office or hobbies. A convenient laundry area, powder room, and two-car garage complete this floor plan. The Waters at Center Lake Ranch sits within a 2,050-acre master-planned community just south of Lake Nona. Conveniently located along the Narcoossee corridor, this natural gas community offers strong value near Medical City. Enjoy a walkable setting with cohesive neighborhoods, multi-use trails, recreation areas, and conservation wetlands that enrich daily living. Additional Highlights Include: 8' interior doors and whole house blinds. Photos are for representative purposes only. MLS#O6433625
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The essentials
At a glance
Payment
Details
Districts can re-zone, so verify directly with the district before relying on these.
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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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
$430,304
$240 per sq ft
Beds and baths
3 beds, 3 baths
Size
1,790 sq ft
Time on market
58 days
Year built
2026
Monthly payment
About $2,850/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,615 annual tax bill, insurance, and the $172.78/mo HOA fee.
HOA fee
$172.78/mo
Managed by Castle Group.
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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