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Overview

5 bd3 ba2,546 sqft2 car garageSingle Family
TypeSingle Family
HOA$150/yr
Built2026
Lot3,484 sqft
Living area2,546 sqft
Price / sqft$163
Garage2 car

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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
WATERLIN 45'S
Type
Single Family Residence

True monthly carry

HOA
~$13/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

IN Wall Pest SystemKitchen/Family Room ComboSolid Surface CountersSolid Wood CabinetsThermostatWalk-in Closet(s)ClubhouseDog Park

4584 Forge Rd is a 2026-built home in Waterlin 45's, St Cloud. Inside you'll find 5 bedrooms, 3 bathrooms, and 2,546 square feet of living space. Listed at $414,990 (about $163/sqft), 18 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $150 annually.

From the listing

Under Construction. This new two-story Napali is ready for modern lifestyles. Upon entry is a convenient bedroom with an en-suite bathroom, leading to an inviting open-concept floorplan with access to a covered patio. A luxurious owner’s suite provides a private retreat on the first floor, complete with a full bathroom and walk-in closet. Three additional bedrooms can be found on the second floor, including a versatile game room. Every home comes with Lennar’s Everything’s Included® promise, which includes new appliances as well as quartz countertops, and more in the price of your home. Waterlin is one of the most anticipated new communities. Residents will enjoy access to a sparkling swimming pool and state-of-the-art community center with plenty of gathering spaces, playground and trail. Situated at the center of Florida, Saint Cloud offers a small-town feel with excellent schools, endless recreation and an array of shopping, dining and entertainment options. Easy access to the Orlando Turnpike makes commutes to downtown Orlando a breeze.

The essentials

Built
2026
Price / sqft
$163
On market
18 days
Annual tax
$0
HOA
$150/yr
Flood zone
X · Low risk
Lot
3,484 sqft
Type
Single Family Residence

At a glance

Single family
Built 2026
2 car garage
Driveway
3,484 sqft lot
Lot size
2,546 sqft
Living area
Brand new
Built 2026

Payment

Est. monthly payment
$2,921/mo
Down payment (20%)
$82,998
Property taxes
$0/mo
HOA
$150/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2026
Lot
3,484 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Driveway, Garage Door Opener
Days on Market
18
IN Wall Pest System
Kitchen/Family Room Combo
Solid Surface Counters
Solid Wood Cabinets
Thermostat
Walk-in Closet(s)
Clubhouse
Dog Park
Irrigation-reclaimed Water
Park
Playground
Tennis Court(s)
Street Lights
Dishwasher
Disposal
Dryer
Microwave
Refrigerator
Washer
Elementary
Canoe Creek K-8
Middle
Canoe Creek K-8
High
Harmony High

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

In a CDD (Community Development District) Flood Zone X
Annual Tax (2025)
$0
Parcel #
12-27-30-3742-0001-1470

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
Waterlin 45's
County
Osceola
MLS Area
34772 - St Cloud (Narcoossee Road)
Lot Size
3,484 sqft
City LimitsSidewalkPavedPrivate
HOA
$150/yr
Community Assoc & Lifestyle Mgmt. / Marcia Calleja

Price history

Date
Event
Price
9/25/2026
Listed for sale
Source: Stellar MLS #O6444821
$414,990
$163/sqft

Neighborhood

4584 Forge Rd
St Cloud, FL, 34772 · 34772 - St Cloud (Narcoossee Road)

Market insights

Offer Insights

Choose an offer strength

List price: $414,990
$412,500 – $414,990
99.5% – 100% of listTops out right at the list price
80% of listList price
235 of the last 377 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 18.

Sample: 377 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
$2,921/mo
Principal & interest$2,164
Property taxes$536
Insurance$207
HOA$13
Down payment20% · $82,998
Interest rate6.80%
Loan term

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Property taxes estimated at 1.55% of price a year. 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

$414,990

$163 per sq ft

Beds and baths

5 beds, 3 baths

Size

2,546 sq ft

Time on market

18 days

Year built

2026

Monthly payment

About $2,921/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $0 annual tax bill, insurance, and the $150/yr HOA fee.

HOA fee

$150/yr

Managed by Community Assoc & Lifestyle Mgmt. / Marcia Calleja.

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 byLENNAR REALTYListing agent: Ben GoldsteinListing data from Stellar MLS, MLS# O6444821.

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