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Overview

3 bd3 ba1,834 sqft2 car garageTownhouse
TypeTownhouse
HOA$370/mo
Built2026
Lot2,486 sqft
Living area1,834 sqft
Price / sqft$188
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

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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)

4967 Loyalty Dr is a 2026-built home in Whaley Grove, St Cloud. Inside you'll find 3 bedrooms, 3 bathrooms, and 1,834 square feet of living space. Listed at $344,000 (about $188/sqft), 27 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 Avalon plan by RockWell Homes lot #53 in St. Cloud, Florida thoughtfully designed for modern living with style, comfort, and functionality. This beautifully crafted home features 3 bedrooms, 2.5 bathrooms, and a 2-car garage, offering the perfect balance of space and convenience. Step inside to an inviting open concept kitchen, living, and dining area, ideal for entertaining and everyday living. The designer kitchen is equipped with 42-inch cabinets, solid surface countertops, stainless steel appliances including a dishwasher, range, refrigerator and microwave, plus a ceramic tile backsplash, undermount sink, Delta faucet, and a spacious walk-in pantry for added storage and organization. Upgraded tile flooring flows throughout the main living areas, enhancing both durability and style. A convenient powder bathroom is also located on the main level. Additionally, this new townhome includes 2-inch window blinds. Upstairs, retreat to the primary bedroom with an en suite primary bathroom, featuring a ceramic tile shower with glass enclosure, porcelain tile flooring, dual sinks with solid surface countertops, Delta faucets, and a private water closet creating a spa-like atmosphere. Additional bedrooms include ample closet space. The utility area includes tile flooring, washer, dryer and an additional storage closet add everyday practicality. The exterior of the Avalon townhome is equally impressive, showcasing a professionally designed landscaping package, Sherwin Williams paint, a garage door opener, and a full sprinkler system for easy maintenance and curb appeal. Experience elevated townhome living in St. Cloud with the Avalon plan where quality finishes, smart design, and modern features come together seamlessly.

The essentials

Built
2026
Price / sqft
$188
On market
27 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
1,834 sqft
Living area

Payment

Est. monthly payment
$2,586/mo
Down payment (20%)
$68,800
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
27
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
Playground
Pool
Sidewalks
Dishwasher
Disposal
Dryer
Electric Water Heater
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 #
17-26-30-0959-0001-0530

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
9/18/2026
Listed for sale
Source: Stellar MLS #S5157956
$344,000
$188/sqft

Neighborhood

4967 Loyalty Dr
St Cloud, FL, 34772 · 34772 - St Cloud (Narcoossee Road)

Market insights

Offer Insights

Choose an offer strength

List price: $344,000
$342,500 – $344,000
99.5% – 100% of listTops out right at the list price
80% of listList price
63 of the last 97 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 27.

Sample: 97 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
$2,586/mo
Principal & interest$1,794
Property taxes$250
Insurance$172
HOA$370
Down payment20% · $68,800
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

$344,000

$188 per sq ft

Beds and baths

3 beds, 3 baths

Size

1,834 sq ft

Time on market

27 days

Year built

2026

Monthly payment

About $2,586/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# S5157956.

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