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
- ~$84/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
5091 Lost Key Pl is a 2026-built home in The Waters At Center Lake Ranch, St Cloud. Inside you'll find 4 bedrooms, 4 bathrooms, and 2,589 square feet of living space. Listed at $532,449 (about $206/sqft), 0 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $83.93 monthly.
What's Special: USP 1 | USP 2 | USP 3. New Construction - [Month] Completion! Welcome to the Anastasia at 5091 Lost Key Place in The Waters at Center Lake Ranch! This new home has an open and inviting layout with plenty of space to live, work, and entertain. Just off the foyer, a private study provides flexibility for a home office or creative space. The gourmet kitchen shines with beautiful quartz countertops, ample cabinetry, and a seamless connection to the dining area and spacious great room with soaring ceilings and sliding doors leading out to the lanai. The first-floor primary suite offers a peaceful retreat with an en-suite bath and walk-in closet. Upstairs, a versatile loft overlooks the main living area and is complemented by three secondary bedrooms and two full bathrooms. 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, single pocket door at primary suite to bath, extended flooring to primary suite and closet, washer and dryer, and GE refrigerator. MLS#O6450859
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The essentials
At a glance
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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
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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
$532,449
$206 per sq ft
Beds and baths
4 beds, 4 baths
Size
2,589 sq ft
Time on market
Listed today
Year built
2026
Monthly payment
About $3,815/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $0 annual tax bill, insurance, and the $83.93/mo HOA fee.
HOA fee
$83.93/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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