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
- WHALEY GROVE
- Type
- Townhouse
True monthly carry
- HOA
- ~$370/mo
- CDD bond
- No CDD disclosed
- 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.
About this home
4969 Loyalty Dr is a 2026-built home in Whaley Grove, St Cloud. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,038 square feet of living space. Listed at $361,000 (about $177/sqft), 31 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $370 monthly.
Under Construction. New townhome plan by RockWell Homes lot #52 in St. Cloud, Florida with 4 bedrooms, 2.5 bathrooms, and a 2-car garage, this thoughtfully designed townhome delivers flexible living space, modern finishes, and exceptional value. The heart of the home features an open concept kitchen, living, and dining area, perfect for entertaining and everyday comfort. The kitchen is beautifully appointed with 42-inch cabinets, solid surface countertops, and stainless-steel appliances including a dishwasher, range, refrigerator, and microwave. Enjoy added style and functionality with a ceramic tile backsplash, undermount sink, Delta faucet, and a spacious walk-in pantry. Upgraded flooring enhances the main living areas, while a convenient powder bathroom is located on the first floor for guests. Upstairs, the primary bedroom with en suite primary bathroom offers a relaxing retreat. The bathroom is complete with a ceramic tile shower with glass enclosure, ceramic tile flooring, dual sinks with solid surface countertops, Delta faucets, and a private water closet for added privacy. Additional bedrooms provide flexibility for guests, a home office, or growing households, each featuring ample closet space. A utility area with ceramic tile flooring and an additional storage closet add everyday convenience. Utility area complete with tile flooring, washing machine and clothes dryer. In addition, this new townhome comes with 2-inch window blinds. On the exterior, the Charlotte townhome showcases impressive curb appeal with a professionally designed landscaping package, large covered front porch, Sherwin Williams paint, a garage door opener, and a full sprinkler system for easy maintenance. If you're searching for a new construction townhome in St. Cloud, Florida with 4 bedrooms, modern finishes, and open concept living, the Charlotte plan offers the perfect combination of space, style, and functionality for your lifestyle. Read less
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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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Sample: 99 closed townhouse or villa sales in 34772 over the last 8 months, Stellar MLS. A starting point, not a guarantee.
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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
$361,000
$177 per sq ft
Beds and baths
4 beds, 3 baths
Size
2,038 sq ft
Time on market
31 days
Year built
2026
Monthly payment
About $2,684/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,000 annual tax bill, insurance, and the $370/mo HOA fee.
HOA fee
$370/mo
Managed by Joey Arroyo.
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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