

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
- ~$150/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
323 Steed Gait Loop is a 2026-built home in Waterlin, St Cloud. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,549 square feet of living space. Listed at $699,900 (about $275/sqft), 7 days on market. Flood zone AE - confirm flood insurance requirements with your lender. HOA runs $150 monthly.
Under Construction. The front porch opens into the entryway of the home embraced by a 12-foot tray ceiling. The secondary bedrooms each with their own full bathroom and walk-in closet line the hallway. Adjacent is the primary bedroom which offers a view of the front yard space with its sliding glass doors. Double doors lead into the primary bathroom which offers a large glass enclosed shower, dual vanities, and two walk-in closets. As you enter the vast family room you are greeted by the ample natural light let in by the wall of windows. The kitchen offers an island with built-in seating, a 5-burner gas cooktop, an oversized walk-in pantry, and convenient access to the laundry room. The morning area is embraced by a corner of windows and provides access to the backyard covered lanai. The two-car garage is at the rear of the home.
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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: 371 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%. HOA is the fee 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
$699,900
$275 per sq ft
Beds and baths
4 beds, 3 baths
Size
2,549 sq ft
Time on market
10 days
Year built
2026
Monthly payment
About $5,054/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $0 annual tax bill, insurance, and the $150/mo HOA fee.
HOA fee
$150/mo
Managed by Waterlin Master POA.
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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