323 Steed Gait Loop, photo 1
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Overview

4 bd3 ba2,549 sqft2 car garageSingle Family
TypeSingle Family
HOA$150/mo
Built2026
Lot6,600 sqft
Living area2,549 sqft
Price / sqft$275
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
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

Ceiling Fans(s)Kitchen/Family Room ComboL DiningOpen FloorplanPrimary Bedroom Main FloorSmart HomeSolid Surface CountersSplit Bedroom

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.

From the listing

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.

The essentials

Built
2026
Price / sqft
$275
On market
10 days
Annual tax
$0
HOA
$150/mo
Flood zone
AE
Lot
6,600 sqft
Type
Single Family Residence

At a glance

Single family
Built 2026
2 car garage
6,600 sqft lot
Lot size
2,549 sqft
Living area
Brand new
Built 2026

Payment

Est. monthly payment
$5,054/mo
Down payment (20%)
$139,980
Property taxes
$0/mo
HOA
$150/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2026
Lot
6,600 sqft
Cooling
Central Air
Heating
Central, Radiant Ceiling
Parking
-
Days on Market
10
Ceiling Fans(s)
Kitchen/Family Room Combo
L Dining
Open Floorplan
Primary Bedroom Main Floor
Smart Home
Solid Surface Counters
Split Bedroom
Stone Counters
Thermostat
Tray Ceiling(s)
Walk-in Closet(s)
Rain Gutters
Sidewalk
Built-in Oven
Cooktop
Dishwasher
Disposal
Microwave
Range Hood
Tankless Water Heater
Elementary
Canoe Creek K-8
High
Harmony High

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

Flood Zone AE
Annual Tax (2026)
$0
Parcel #
12-27-30-3742-0001-0190

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
Waterlin
County
Osceola
MLS Area
34772 - St Cloud (Narcoossee Road)
Lot Size
6,600 sqft
HOA
$150/mo
Waterlin Master POA

Price history

Date
Event
Price
9/29/2026
Listed for sale
Source: Stellar MLS #TB8553417
$699,900
$275/sqft

Neighborhood

323 Steed Gait Loop
St Cloud, FL, 34772 · 34772 - St Cloud (Narcoossee Road)

Market insights

Offer Insights

Choose an offer strength

List price: $699,900
$695,000 – $699,900
99.5% – 100% of listTops out right at the list price
80% of listList price
233 of the last 371 home closings in 34772 landed at this number or higher (63%). The median one sat 40 days before it went under contract, and this one is on day 10.

Sample: 371 closed home 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
$5,054/mo
Principal & interest$3,650
Property taxes$904
Insurance$350
HOA$150
Down payment20% · $139,980
Interest rate6.80%
Loan term

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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

What should I offer?

Have another question?

Brokered byPERRY HOMESListing agent: Toby JonesListing data from Stellar MLS, MLS# TB8553417.

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