3495 Malawi Trl, photo 1
Active
1 / 20

Overview

4 bd2 ba1,828 sqft2 car garageSingle Family
TypeSingle Family
HOA$200/qtr
Built2026
Lot7,405 sqft
Living area1,828 sqft
Price / sqft$213
Garage2 car

Ask anything about this home

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

New construction · 2026

Different rules apply when you buy new

Build snapshot

Build year
2026
Builder
Ask the team — not on MLS
Community
BUENA LAGO
Type
Single Family Residence

True monthly carry

HOA
~$67/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

Eat-in KitchenKitchen/Family Room ComboLiving Room/Dining Room ComboOpen FloorplanSolid Surface CountersSplit BedroomStone CountersWalk-in Closet(s)

3495 Malawi Trl is a 2026-built home in Buena Lago, St Cloud. Inside you'll find 4 bedrooms, 2 bathrooms, and 1,828 square feet of living space. Listed at $389,997 (about $213/sqft), 39 days on market. Flood zone AE - confirm flood insurance requirements with your lender. HOA runs $200 quarterly.

From the listing

Under Construction. Buena Lago presents the Cali. This all concrete block constructed, one-story layout optimizes living space with an open concept kitchen overlooking the living area, dining room, and outdoor lanai. Entertaining is a breeze, as this popular single-family home features a spacious kitchen island, dining area and a spacious pantry for extra storage. This community has stainless steel appliances, making cooking a piece of cake. Bedroom one, located in the back of the home for privacy, has an en suite bathroom with a double vanity, spacious shower/tub space as well as a spacious walk-in closet. Towards the front of the home two additional bedrooms share a second full bathroom. Across the hall you will find a fourth bedroom. This home features a space to fit all your needs. Like all homes in Buena Lago, the Cali includes Smart home technology package which allows you to control your home with your smart device while near or away. *Photos are of similar model but not that of exact house. Pictures, photographs, colors, features, and sizes are for illustration purposes only and will vary from the homes as built. Home and community information including pricing, included features, terms, availability and amenities are subject to change and prior sale at any time without notice or obligation. Please note that no representations or warranties are made regarding school districts or school assignments; you should conduct your own investigation regarding current and future schools and school boundaries.*

The essentials

Built
2026
Price / sqft
$213
On market
39 days
Annual tax
$2,353
HOA
$200/qtr
Flood zone
AE
Lot
7,405 sqft
Type
Single Family Residence

At a glance

Single family
Built 2026
Community pool
Shared amenity
2 car garage
7,405 sqft lot
Lot size
1,828 sqft
Living area

Payment

Est. monthly payment
$2,492/mo
Down payment (20%)
$77,999
Property taxes
$196/mo
HOA
$200/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2026
Lot
7,405 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
39
Eat-in Kitchen
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Open Floorplan
Solid Surface Counters
Split Bedroom
Stone Counters
Walk-in Closet(s)
Sidewalk
Sprinkler Metered
Deed Restrictions
Playground
Pool
Street Lights
Dishwasher
Disposal
Range
In a CDD (Community Development District) Flood Zone AE
Annual Tax (2025)
$2,353
Parcel #
32-26-31-3664-0001-2740

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
Buena Lago
County
Osceola
MLS Area
34772 - St Cloud (Narcoossee Road)
Lot Size
7,405 sqft
HOA
$200/qtr
Association Solutions of Central Florida Mark

Price history

Date
Event
Price
10/8/2026
Price change
Source: Stellar MLS #O6438660
$389,997-1.3%
$213/sqft
-
Price change
Source: Stellar MLS #O6438660
$394,997-1.3%
$216/sqft
9/2/2026
Listed for sale
Source: Stellar MLS #O6438660
$400,000
$219/sqft

Neighborhood

3495 Malawi Trl
St Cloud, FL, 34772 · 34772 - St Cloud (Narcoossee Road)

Market insights

Offer Insights

Choose an offer strength

List price: $389,997
$387,500 – $389,997
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 39 after a $10,003 cut.

Sample: 376 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
$2,492/mo
Principal & interest$2,034
Property taxes$196
Insurance$195
HOA$67
Down payment20% · $77,999
Interest rate6.80%
Loan term

Not sure what you can afford?

Put in your household income and we will tell you where this payment sits.

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

$389,997

$213 per sq ft

Beds and baths

4 beds, 2 baths

Size

1,828 sq ft

Time on market

39 days

Year built

2026

Monthly payment

About $2,492/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,353 annual tax bill, insurance, and the $200/qtr HOA fee.

HOA fee

$200/qtr

Managed by Association Solutions of Central Florida Mark.

Flood zone

Zone AE

That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.

Offer

What should I offer?

Have another question?

Brokered byDR HORTON REALTY OF CENTRAL FLORIDA LLCListing agent: Stephen ClineListing data from Stellar MLS, MLS# O6438660.

Keep exploring Florida

Pick up where you left off, or see what else is out there.