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Overview

4 bd5 ba2,366 sqftSingle Family
TypeSingle Family
HOA$115/mo
Built2026
Lot3,484 sqft
Living area2,366 sqft
Price / sqft$199

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
CROSSPRAIRIE 50S
Type
Single Family Residence

True monthly carry

HOA
~$115/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

5136 Loyalty Dr is a 2026-built home in Crossprairie 50s, St Cloud. Inside you'll find 4 bedrooms, 5 bathrooms, and 2,366 square feet of living space. Listed at $470,490 (about $199/sqft), 0 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $115 monthly.

From the listing

Virtually Staged. Under Construction. This new single-story McCartney Next Gen® home features a private suite with its own entrance, living area, kitchenette, bedroom, bathroom and laundry, perfect for multigenerational households. The main home is host to an inviting open concept layout with easy access to a covered patio for seamless indoor-outdoor living. Two secondary bedrooms are located off the foyer, and a lavish owner’s suite is tucked into a private rear corner, complete with a full bathroom and walk-in closet. 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. The Glades at Crossprairie is one of the most anticipated new communities. Residents will enjoy an amenity-rich lifestyle with access to a sparkling swimming pool, modern fitness center, playground, trails and dog park. With convenient proximity to the Turnpike, this community is a short drive from downtown Saint Cloud and an array of outdoor recreation destinations, including Lakefront Park and Cherokee Point Conservation Area. Plus, the Lakefront Marina provides easy boat storage for endless fun on the water.

The essentials

Built
2026
Price / sqft
$199
On market
Today
Annual tax
$0
HOA
$115/mo
Flood zone
X · Low risk
Lot
3,484 sqft
Type
Single Family Residence

At a glance

Single family
Built 2026
3,484 sqft lot
Lot size
2,366 sqft
Living area
Brand new
Built 2026

Payment

Est. monthly payment
$3,412/mo
Down payment (20%)
$94,098
Property taxes
$0/mo
HOA
$115/mo
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
0
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
Neptune Elementary
Middle
Neptune Middle (6-8)
High
St. Cloud High School

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 #
17-26-30-0134-0001-1620

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
Crossprairie 50s
County
Osceola
MLS Area
34772 - St Cloud (Narcoossee Road)
Lot Size
3,484 sqft
City LimitsSidewalkPavedPrivate
HOA
$115/mo
ADDESS MGMT / ERIN POIRIER

Price history

Date
Event
Price
10/9/2026
Listed for sale
Source: Stellar MLS #O6448676
$470,490
$199/sqft

Neighborhood

5136 Loyalty Dr
St Cloud, FL, 34772 · 34772 - St Cloud (Narcoossee Road)

Market insights

Offer Insights

Choose an offer strength

List price: $470,490
$467,500 – $470,490
99.5% – 100% of listTops out right at the list price
80% of listList price
234 of the last 372 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 just listed today.

Sample: 372 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
$3,412/mo
Principal & interest$2,454
Property taxes$608
Insurance$235
HOA$115
Down payment20% · $94,098
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 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

$470,490

$199 per sq ft

Beds and baths

4 beds, 5 baths

Size

2,366 sq ft

Time on market

Listed today

Year built

2026

Monthly payment

About $3,412/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $0 annual tax bill, insurance, and the $115/mo HOA fee.

HOA fee

$115/mo

Managed by ADDESS MGMT / ERIN POIRIER.

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# O6448676.

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