

Overview
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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
- WATERLIN
- Type
- Single Family Residence
True monthly carry
- HOA
- None / TBD
- CDD bond
- Yes — typically $1,500–$3,500/yr
- 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.
CDD heads-up.This community is in a Community Development District — there's a separate annual bond payment ($1,500–$3,500 typical) on top of HOA that builders often roll into the mortgage statement. Worth knowing before you write an offer.
About this home
347 Steed Gait Loop is a 2026-built home in Waterlin, St Cloud. Inside you'll find 3 bedrooms, 3 bathrooms, and 2,192 square feet of living space. Listed at $599,900 (about $274/sqft), 18 days on market. Flood zone ae - confirm flood insurance requirements with your lender.
Under Construction. The front porch leads to the entryway that is embraced by a 12-foot tray ceiling. Both secondary bedrooms, each with a private bathroom, are off the main hallway. As you enter the kitchen, you are greeted by an island with built-in seating space, a 5-burner gas cooktop, and a generous walk-in pantry. The dining area connects the space to the open family room featuring a wall of windows with a sliding glass door that opens to the backyard covered lanai. The primary bedroom provides a private sanctuary. Double doors lead to the primary bath, which offers dual vanities, a glass-enclosed shower, two walk-in closets, and dual access to the laundry room. The two-car garage is at the rear of the home.
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The essentials
At a glance
Payment
Details
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: 393 closed home sales in 34772 over the last 8 months, Stellar MLS. A starting point, not a guarantee.
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Property taxes estimated at 1.55% of price a year. Insurance estimated at 0.60%. 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
$599,900
$274 per sq ft
Beds and baths
3 beds, 3 baths
Size
2,192 sq ft
Time on market
18 days
Year built
2026
Monthly payment
About $4,204/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $0 annual tax bill, insurance.
Flood zone
Zone AE
That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.
Offer
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