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Overview

3 bd3 ba1,687 sqft2 car garageTownhouse
TypeTownhouse
HOA$370/mo
Built2026
Lot2,486 sqft
Living area1,687 sqft
Price / sqft$192
Garage2 car

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

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

Eat-in KitchenLiving Room/Dining Room ComboOpen FloorplanPrimarybedroom UpstairsSolid Surface CountersSolid Wood CabinetsThermostatWalk-in Closet(s)

4965 Loyalty Dr is a 2026-built home in Whaley Grove, St Cloud. Inside you'll find 3 bedrooms, 3 bathrooms, and 1,687 square feet of living space. Listed at $324,000 (about $192/sqft), 28 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $370 monthly.

From the listing

Under Construction. New townhome St. Andrews planby RockWell Homes lot # 54 in St. Cloud, Florida where modern design meets everyday functionality in a beautifully crafted home. This thoughtfully designed residence features 3 bedrooms, 2.5 bathrooms, and a 2-car garage, offering the perfect combination of comfort, style, and convenience. Step into a bright and spacious open concept kitchen, living, and dining area, ideal for both entertaining and daily living. The chef-inspired kitchen includes 42-inch cabinets, solid surface countertops, and stainless-steel appliances, including a dishwasher, range, refrigerator, and microwave. Stylish details such as a ceramic tile backsplash, undermount sink, Delta faucet, and a walk-in pantry provide both elegance and practicality. Upgraded flooring throughout the main living areas enhances the home’s modern appeal, while a convenient powder bathroom is located on the first floor. In addition, this new home includes 2-inch window blinds. Upstairs, the primary bedroom with in-suite primary bathroom offers a private retreat. The spa-like bathroom features a ceramic tile shower with glass enclosure, tile flooring, dual sinks with solid surface countertops, Delta faucets, and a private water closet for added comfort. Two additional bedrooms with closets provide ample space for family, guests, or a home office. A dedicated utility area with tile flooring, washer, dryer and an additional storage closet adds everyday convenience and organization. The exterior of the St. Andrews townhome is designed for lasting curb appeal, featuring a professionally designed landscaping package, Sherwin Williams paint, a garage door opener, and a full sprinkler system for easy maintenance. If you’re looking for a new townhome in St. Cloud, Florida with 3 bedrooms, 2.5 bathrooms, open concept living, and designer finishes, the St. Andrews plan delivers exceptional value and a lifestyle you’ll love coming home to.

The essentials

Built
2026
Price / sqft
$192
On market
28 days
Annual tax
$3,000
HOA
$370/mo
Flood zone
X · Low risk
Lot
2,486 sqft
Type
Townhouse

At a glance

Townhouse
Built 2026
Community pool
Shared amenity
2 car garage
2,486 sqft lot
Lot size
1,687 sqft
Living area

Payment

Est. monthly payment
$2,472/mo
Down payment (20%)
$64,800
Property taxes
$250/mo
HOA
$370/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Townhouse
Year Built
2026
Lot
2,486 sqft
Cooling
Zoned
Heating
Electric
Parking
-
Days on Market
28
Eat-in Kitchen
Living Room/Dining Room Combo
Open Floorplan
Primarybedroom Upstairs
Solid Surface Counters
Solid Wood Cabinets
Thermostat
Walk-in Closet(s)
Rain Gutters
Sidewalk
Community Mailbox
Dog Park
Irrigation-reclaimed Water
Pool
Sidewalks
Dishwasher
Disposal
Dryer
Electric Water Heater
Exhaust Fan
Microwave
Range
Refrigerator
Washer
Elementary
Neptune Elementary
Middle
Neptune Middle (6-8)
High
St. Cloud High School

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

Flood Zone X
Annual Tax (2026)
$3,000
Parcel #
17-26-30-0959-0001-0540

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
Whaley Grove
County
Osceola
MLS Area
34772 - St Cloud (Narcoossee Road)
Lot Size
2,486 sqft
LevelSidewalkPaved
HOA
$370/mo
Joey Arroyo

Price history

Date
Event
Price
9/19/2026
Listed for sale
Source: Stellar MLS #S5157947
$324,000
$192/sqft

Neighborhood

4965 Loyalty Dr
St Cloud, FL, 34772 · 34772 - St Cloud (Narcoossee Road)

Market insights

Offer Insights

Choose an offer strength

List price: $324,000
$322,500 – $324,000
99.5% – 100% of listTops out right at the list price
80% of listList price
64 of the last 99 townhouse or villa closings in 34772 landed at this number or higher (65%). The median one sat 49 days before it went under contract, and this one is on day 28.

Sample: 99 closed townhouse or villa sales in 34772 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$2,472/mo
Principal & interest$1,690
Property taxes$250
Insurance$162
HOA$370
Down payment20% · $64,800
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

$324,000

$192 per sq ft

Beds and baths

3 beds, 3 baths

Size

1,687 sq ft

Time on market

28 days

Year built

2026

Monthly payment

About $2,472/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.

Offer

What should I offer?

Have another question?

Brokered byHOME21 REALTY INCListing agent: Sobeida DominguezListing data from Stellar MLS, MLS# S5157947.

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