

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
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.
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.
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The essentials
At a glance
Payment
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
Offer 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
$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.
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