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Overview

4 bd3 ba2,490 sqft2 car garageSingle Family
TypeSingle Family
HOA$130/mo
Built2023
Lot4,792 sqft
Living area2,490 sqft
Price / sqft$160
Garage2 car

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

About this home

Ceiling Fans(s)Eat-in KitchenLiving Room/Dining Room ComboOpen FloorplanSplit BedroomThermostatWalk-in Closet(s)Sidewalk

6098 Windy Leaf Aly is a 2023-built home in Amelia Groves Ph 1, St Cloud. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,490 square feet of living space. Listed at $399,000 (about $160/sqft), 166 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $130 monthly.

From the listing

Welcome to your new home in the highly desirable Amelia Groves community in St. Cloud! Built in 2023, this stunning two-story bungalow combines modern design, comfort, and an unbeatable location with a peaceful water view. Step inside to a spacious open-concept floor plan designed for both everyday living and entertaining. The heart of the home is the beautifully appointed kitchen, featuring a large center island, sleek stainless-steel appliances—including a range, refrigerator, dishwasher, and microwave—and plenty of cabinet space. The primary suite offers a relaxing retreat with a generous walk-in closet and a private en-suite bathroom complete with dual sinks and a stylish framed shower. On the main level, you’ll find a well-placed bedroom next to a full bathroom, complemented by a den/study across the way—ideal for flexible living or working from home. Upstairs, you'll also find a conveniently located laundry room for added ease.Thoughtful details throughout the home include cozy carpeted bedrooms, elegant tile flooring in wet areas and the main living spaces, and plenty of natural light. From the kitchen you have access to the covered screened patio that leads to the garage. Enjoy your morning coffee on the charming front porch or unwind in the evening while taking in the serene water view—perfect for relaxing or entertaining outdoors. This move-in ready home truly offers the perfect blend of style, functionality, and location.****Home square footage, taxes, lot sizes, and schools are to be independently verified.***

The essentials

Built
2023
Price / sqft
$160
On market
166 days
Annual tax
$6,281
HOA
$130/mo
Flood zone
X · Low risk
Lot
4,792 sqft
Type
Single Family Residence

At a glance

Single family
Built 2023
Community pool
Shared amenity
2 car garage
Driveway
4,792 sqft lot
Lot size
2,490 sqft
Living area

Payment

Est. monthly payment
$2,934/mo
Down payment (20%)
$79,800
Property taxes
$523/mo
HOA
$130/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2023
Lot
4,792 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway, Garage Door Opener
Days on Market
166
Ceiling Fans(s)
Eat-in Kitchen
Living Room/Dining Room Combo
Open Floorplan
Split Bedroom
Thermostat
Walk-in Closet(s)
Sidewalk
Deed Restrictions
Pool
Sidewalks
Dishwasher
Disposal
Dryer
Microwave
Range
Refrigerator
Washer
Elementary
Hickory Tree Elem
Middle
Harmony Middle
High
Harmony High

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

Flood Zone X
Annual Tax (2025)
$6,281
Parcel #
03-26-31-3522-0001-1320

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
Amelia Groves Ph 1
County
Osceola
MLS Area
34771 - St Cloud (Magnolia Square)
Lot Size
4,792 sqft
Sidewalk
HOA
$130/mo
Miguel Aviles

Price history

Date
Event
Price
7/28/2026
Price change
Source: Stellar MLS #S5148943
$399,000-3.9%
$160/sqft
-
Price change
Source: Stellar MLS #S5148943
$415,000-9.6%
$167/sqft
4/30/2026
Listed for sale
Source: Stellar MLS #S5148943
$459,000
$184/sqft

Neighborhood

6098 Windy Leaf Aly
St Cloud, FL, 34771 · 34771 - St Cloud (Magnolia Square)

Market insights

Offer Insights

Choose an offer strength

List price: $399,000
$397,500 – $399,000
99.5% – 100% of listTops out right at the list price
80% of listList price
306 of the last 473 home closings in 34771 landed at this number or higher (65%). The median one sat 36 days before it went under contract, and this one is on day 166 after a $60,000 cut.

Sample: 473 closed home sales in 34771 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$2,934/mo
Principal & interest$2,081
Property taxes$523
Insurance$200
HOA$130
Down payment20% · $79,800
Interest rate6.80%
Loan term

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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

$399,000

$160 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,490 sq ft

Time on market

166 days

Year built

2023

Monthly payment

About $2,934/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $6,281 annual tax bill, insurance, and the $130/mo HOA fee.

HOA fee

$130/mo

Managed by Miguel Aviles.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

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Have another question?

Brokered byALLEGIANT MANAGEMENT GROUP INCListing agent: Elizabeth Santiago MoyetListing data from Stellar MLS, MLS# S5148943.

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