5447 Pine Lilly Dr, photo 1
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Overview

4 bd3 ba2,020 sqft2 car garageSingle Family
TypeSingle Family
HOA$181.25/qtr
Built2023
Lot5,663 sqft
Living area2,020 sqft
Price / sqft$198
Garage2 car

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Open house

Saturday, Oct 17 · 12:00 PM to 3:00 PM

About this home

Eat-in KitchenKitchen/Family Room ComboLiving Room/Dining Room ComboTray Ceiling(s)Walk-in Closet(s)LightingSidewalkDishwasher

5447 Pine Lilly Dr is a 2023-built home in Siena Reserve Ph 3, St Cloud. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,020 square feet of living space. Listed at $400,000 (about $198/sqft), 82 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $181.25 quarterly.

From the listing

PRICE IMPROVEMENT! Experience the perfect blend of modern design, comfort, and functionality in this beautifully maintained 4-bedroom, 3-bathroom home in the highly desirable Siena Reserve community of Saint Cloud. Thoughtfully designed with an open-concept floor plan, this home offers the ideal balance of spacious living and everyday convenience. A welcoming foyer leads into the expansive great room where the spacious living and dining areas flow effortlessly into the heart of the home—the stunning kitchen. Designed with both style and practicality in mind, it features quartz countertops, stainless steel appliances, white shaker cabinetry, a walk-in pantry, and an oversized center island with seating, making it the perfect space for entertaining or enjoying everyday meals. Luxury vinyl plank flooring extends throughout the main living areas, while plush carpet adds warmth and comfort to the bedrooms. Just off the living room, elegant double doors open to the private primary suite, creating a peaceful retreat complete with a tray ceiling, spacious walk-in closet, and an ensuite bathroom featuring dual vanities and a large walk-in shower. The remaining bedrooms are generously sized with similar layouts, offering plenty of natural light and flexibility for family, guests, or a home office. Two of the bedrooms are connected by a convenient Jack-and-Jill bathroom, providing both functionality and privacy. Sliding glass doors lead to the covered, screened lanai, providing the perfect place to relax year-round while overlooking the fully vinyl-fenced backyard with plenty of room for pets, play, gardening, or future outdoor living additions. Conveniently located near shopping, dining, schools, Lake Nona, Medical City, Orlando International Airport, and major highways, this home offers easy access to everything Central Florida has to offer. Residents enjoy access to a community clubhouse, swimming pool, and more! This exceptional home combines a functional layout, stylish finishes, and an unbeatable location, making it an opportunity you won't want to miss.

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The essentials

Built
2023
Price / sqft
$198
On market
82 days
Annual tax
$4,971
HOA
$181.25/qtr
Flood zone
X · Low risk
Lot
5,663 sqft
Type
Single Family Residence

At a glance

Single family
Built 2023
2 car garage
5,663 sqft lot
Lot size
2,020 sqft
Living area

Payment

Est. monthly payment
$2,760/mo
Down payment (20%)
$80,000
Property taxes
$414/mo
HOA
$181.25/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2023
Lot
5,663 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
82
Eat-in Kitchen
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Tray Ceiling(s)
Walk-in Closet(s)
Lighting
Sidewalk
Dishwasher
Dryer
Microwave
Range
Refrigerator
Washer
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$4,971
Parcel #
21-25-31-5277-0001-0330

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 3
County
Osceola
MLS Area
34771 - St Cloud (Magnolia Square)
Lot Size
5,663 sqft
HOA
$181.25/qtr
Dionne Kucel

Price history

Date
Event
Price
9/17/2026
Price change
Source: Stellar MLS #S5154082
$400,000-2.4%
$198/sqft
-
Price change
Source: Stellar MLS #S5154082
$409,900-3.6%
$203/sqft
7/23/2026
Listed for sale
Source: Stellar MLS #S5154082
$425,000
$210/sqft

Neighborhood

5447 Pine Lilly Dr
St Cloud, FL, 34771 · 34771 - St Cloud (Magnolia Square)

Market insights

Offer Insights

Choose an offer strength

List price: $400,000
$397,500 – $400,000
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 82 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.

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Calculator

Est. monthly payment
$2,760/mo
Principal & interest$2,086
Property taxes$414
Insurance$200
HOA$60
Down payment20% · $80,000
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

$400,000

$198 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,020 sq ft

Time on market

82 days

Year built

2023

Monthly payment

About $2,760/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,971 annual tax bill, insurance, and the $181.25/qtr HOA fee.

HOA fee

$181.25/qtr

Managed by Dionne Kucel.

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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Have another question?

Brokered byEXP REALTY LLCListing agent: Steve PughListing data from Stellar MLS, MLS# S5154082.

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