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Overview

4 bd2 ba1,996 sqft2 car garageSingle Family
TypeSingle Family
HOA$685/yr
Built2021
Lot6,098 sqft
Living area1,996 sqft
Price / sqft$198
Garage2 car

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

About this home

Ceiling Fans(s)Kitchen/Family Room ComboOpen FloorplanWalk-in Closet(s)Hurricane ShuttersDog ParkPlaygroundPool

5542 Toulouse Ln is a 2021-built home in Siena Reserve Ph 2a & 2b, St Cloud. Inside you'll find 4 bedrooms, 2 bathrooms, and 1,996 square feet of living space. Listed at $395,000 (about $198/sqft), 154 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $685 annually.

From the listing

Discover modern living in the heart of Saint Cloud! This beautifully maintained 4-bedroom, 2-bathroom home built in 2021 offers nearly 2,000 heated sq ft of open-concept living space designed for comfort and functionality. Featuring spacious bedrooms, a modern kitchen, ceramic tile flooring, and a bright, inviting layout, this home is truly move-in ready. Located in the growing Siena Reserve community, residents enjoy convenient access to Lake Nona, Medical City, Orlando International Airport, major shopping centers, restaurants, and top-rated schools. Saint Cloud continues to experience exciting growth with new road expansions and improved access routes, making commuting easier than ever while increasing the area’s long-term value and desirability. Whether you’re looking for your primary residence or a strong investment opportunity, this home offers the perfect combination of location, condition, and lifestyle. Schedule your private showing today!

The essentials

Built
2021
Price / sqft
$198
On market
154 days
Annual tax
$3,807
HOA
$685/yr
Flood zone
X · Low risk
Lot
6,098 sqft
Type
Single Family Residence

At a glance

Single family
Built 2021
Community pool
Shared amenity
2 car garage
6,098 sqft lot
Lot size
1,996 sqft
Living area

Payment

Est. monthly payment
$2,632/mo
Down payment (20%)
$79,000
Property taxes
$317/mo
HOA
$685/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2021
Lot
6,098 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
154
Ceiling Fans(s)
Kitchen/Family Room Combo
Open Floorplan
Walk-in Closet(s)
Hurricane Shutters
Dog Park
Playground
Pool
Sidewalks
Dishwasher
Dryer
Microwave
Range
Refrigerator
Elementary
Narcoossee Elementary
Middle
Narcoossee Middle
High
Harmony High

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

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$3,807
Parcel #
21-25-31-4978-0001-0150

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
Siena Reserve Ph 2a & 2b
County
Osceola
MLS Area
34771 - St Cloud (Magnolia Square)
Lot Size
6,098 sqft
HOA
$685/yr
Siena Reserve HOA

Price history

Date
Event
Price
10/14/2026
Price change
Source: Stellar MLS #S5150402
$395,000-1.2%
$198/sqft
-
Price change
Source: Stellar MLS #S5150402
$400,000-4.8%
$200/sqft
5/15/2026
Listed for sale
Source: Stellar MLS #S5150402
$420,000
$210/sqft

Neighborhood

5542 Toulouse Ln
St Cloud, FL, 34771 · 34771 - St Cloud (Magnolia Square)

Market insights

Offer Insights

Choose an offer strength

List price: $395,000
$392,500 – $395,000
99.5% – 100% of listTops out right at the list price
80% of listList price
305 of the last 471 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 154 after a $25,000 cut.

Sample: 471 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
$2,632/mo
Principal & interest$2,060
Property taxes$317
Insurance$198
HOA$57
Down payment20% · $79,000
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

$395,000

$198 per sq ft

Beds and baths

4 beds, 2 baths

Size

1,996 sq ft

Time on market

154 days

Year built

2021

Monthly payment

About $2,632/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,807 annual tax bill, insurance, and the $685/yr HOA fee.

HOA fee

$685/yr

Managed by Siena Reserve HOA.

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 byAROD PARTNERS REALTYListing agent: Geinnessis MartinezListing data from Stellar MLS, MLS# S5150402.

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