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Overview

3 bd3 ba2,400 sqft2 car garageSingle Family
TypeSingle Family
HOA$178.72/mo
Built2025
Lot4,356 sqft
Living area2,400 sqft
Price / sqft$217
Garage2 car

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

About this home

High CeilingsOpen FloorplanSmart HomeStone CountersThermostatWalk-in Closet(s)Sprinkler MeteredClubhouse

5136 Goldfinch Dr is a 2025-built home in Waters/Center Lk Ranch Ph 1b, St Cloud. Inside you'll find 3 bedrooms, 3 bathrooms, and 2,400 square feet of living space. Listed at $520,000 (about $217/sqft), 44 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $178.72 monthly.

From the listing

WELCOME HOME! FOR SALE OR RENT .This unique St. Cloud property offers space, privacy, and flexibility all in one. The main residence features 3 bedrooms With Flex Room and 2.5 bathrooms with a comfortable and functional layout designed for everyday living and entertaining. A standout feature is the separate studio/bungalow located above the garage with its own private entrance, providing valuable additional living space. Landscaping is Included in the HOA. This versatile space is ideal for guests, a home office, extended stays, or other flexible uses. Enjoy a convenient Central Florida location with easy access to Lake Nona and Medical City, Orlando International Airport, major roadways, shopping, dining, schools, and everyday conveniences. Walt Disney World and Central Florida's world-famous attractions are also within driving distance, making this location convenient for both work and recreation. With two distinct living spaces on one property, this home offers possibilities that are difficult to find. Whether you're looking for additional space, private guest accommodations, or potential income-producing opportunities subject to applicable regulations, this property provides exceptional versatility. Schedule your private showing today and discover everything this unique property has to give. Property is also available for lease. Contact the listing agent for additional leasing details.

The essentials

Built
2025
Price / sqft
$217
On market
44 days
Annual tax
$2,948
HOA
$178.72/mo
Flood zone
X · Low risk
Lot
4,356 sqft
Type
Single Family Residence

At a glance

Single family
Built 2025
Waterfront
Pond
Community pool
Shared amenity
2 car garage
4,356 sqft lot
Lot size

Payment

Est. monthly payment
$3,397/mo
Down payment (20%)
$104,000
Property taxes
$246/mo
HOA
$178.72/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2025
Lot
4,356 sqft
Cooling
Central Air
Heating
Central, Natural Gas
Parking
-
Waterfront
Pond
Days on Market
44
High Ceilings
Open Floorplan
Smart Home
Stone Counters
Thermostat
Walk-in Closet(s)
Sprinkler Metered
Clubhouse
Park
Playground
Pool
Dishwasher
Disposal
Dryer
Exhaust Fan
Microwave
Range
Tankless Water Heater
Washer
Elementary
Narcoossee Elementary
Middle
Narcoossee Middle
High
Harmony High

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)
$2,948
Parcel #
29-25-31-0945-0001-1300

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
Waters/Center Lk Ranch Ph 1b
County
Osceola
MLS Area
34771 - St Cloud (Magnolia Square)
Lot Size
4,356 sqft
HOA
$178.72/mo
The Waters at Center Lake Ranch/ Ashley Sanches

Price history

Date
Event
Price
9/1/2026
Listed for sale
Source: Stellar MLS #S5156709
$520,000
$217/sqft

Neighborhood

5136 Goldfinch Dr
St Cloud, FL, 34771 · 34771 - St Cloud (Magnolia Square)

Market insights

Offer Insights

Choose an offer strength

List price: $520,000
$515,000 – $520,000
99.5% – 100% of listTops out right at the list price
80% of listList price
304 of the last 470 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 44.

Sample: 470 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
$3,397/mo
Principal & interest$2,712
Property taxes$246
Insurance$260
HOA$179
Down payment20% · $104,000
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

$520,000

$217 per sq ft

Beds and baths

3 beds, 3 baths

Size

2,400 sq ft

Time on market

44 days

Year built

2025

Monthly payment

About $3,397/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,948 annual tax bill, insurance, and the $178.72/mo HOA fee.

HOA fee

$178.72/mo

Managed by The Waters at Center Lake Ranch/ Ashley Sanches.

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 byLPT REALTY, LLCListing agent: Shanaz BoydListing data from Stellar MLS, MLS# S5156709.

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