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Overview

4 bd3 ba2,089 sqft2 car garageSingle Family
TypeSingle Family
HOA$150/yr
Built2026
Lot3,484 sqft
Living area2,089 sqft
Price / sqft$182
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

4554 Forge Rd is a 2026-built home in Waterlin 45's, St Cloud. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,089 square feet of living space. Listed at $380,499 (about $182/sqft), 8 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. Perfect for any lifestyle, this new Bora, four-bedroom home features a low-maintenance single-story classic and cottage inspired design. Upon entry there are three secondary bedrooms, while a spacious owner’s suite at the back of the home provides access to a full bathroom and walk-in closet. A modern kitchen shares an open plan with an elegant dining room and inviting family room—with a nearby covered patio for year-round outdoor fun. 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
$182
On market
8 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
2,089 sqft
Living area
Brand new
Built 2026

Payment

Est. monthly payment
$2,678/mo
Down payment (20%)
$76,100
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
8
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 #
12-27-30-3742-0001-2880

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
10/6/2026
Price change
Source: Stellar MLS #O6446947
$380,499-2.5%
$182/sqft
10/2/2026
Listed for sale
Source: Stellar MLS #O6446947
$390,249
$187/sqft

Neighborhood

4554 Forge Rd
St Cloud, FL, 34772 · 34772 - St Cloud (Narcoossee Road)

Market insights

Offer Insights

Choose an offer strength

List price: $380,499
$377,500 – $380,499
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 8 after a $9,750 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
$2,679/mo
Principal & interest$1,984
Property taxes$491
Insurance$190
HOA$13
Down payment20% · $76,100
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 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

$380,499

$182 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,089 sq ft

Time on market

8 days

Year built

2026

Monthly payment

About $2,678/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# O6446947.

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