5501 SABAL DRIVE, ST CLOUD, FL, 34771
Active118 days on marketListed Jul 14, 2026MLS #A4699712
About this home
5501 SABAL DRIVE
ASSUMABLE FHA LOAN AT 2.5 % INTEREST— subject to lender approval and buyer qualification. Why buy new when you can enjoy a nearly new home with thoughtful upgrades already in place? Built in 2021, this beautifully maintained Wiregrass home offers 3 bedrooms, 2 bathrooms, a versatile flex room, and a 2-car garage with a private gym. The seller is offering a contribution toward the buyer’s closing costs. The kitchen features 42-inch solid wood cabinets, quartz countertops, a timeless backsplash, and a spacious walk-in pantry. Luxury vinyl flooring, upgraded bathroom fixtures, impact-resistant windows, custom trim, and ceiling fans add comfort and style throughout. The primary suite includes a spa-style shower with digital controls and a rainfall showerhead. Set on an oversized end lot with only one side neighbor, the home offers a covered, tiled patio and a custom backyard deck. Wiregrass residents enjoy a community pool, playground, dog parks, and sidewalks. Conveniently located near Voyager K–8 School, Lake Nona, Medical City, Orlando International Airport, shopping, and major highways. The home is also available furnished.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,710
Sqft
0.13 ac
Lot size
2
Garage
2021
Year built
One
Levels
$224
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$3,435 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,435/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+7.2%
$/sqft vs St Cloud actives
$224 vs $210
Days on market
118 vs 53 typical
Where $224/sqft sits among the 399 St Cloud actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside St Cloud
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Cloud. See the full St Cloud guide →
ST CLOUD 34771 — neighborhood snapshot
Population
35,257
Median age
39.5
Median income
$97,415
Median home value
$454,400
Avg household
3.05
Households w/ children
4,899
For the school run
Osceola County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Cloud market
$411K → $395K
St Cloud median sold, yr/yr
98.6%
Sale-to-list ratio (12 mo)
206 of 399
St Cloud actives have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 6% below the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 5501 SABAL DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$380,000
1544 WYNELL STREET · same community
3 bd · 2 ba · 1,754 sqft · $217/sqft · 10 DOM
Sold · Jan ’26$400,000
1580 WYNELL STREET · same community
4 bd · 2 ba · 2,103 sqft · $190/sqft · 648 DOM
Sold · Oct ’26$550,000
5637 BEGGS ROAD · same community
4 bd · 3.5 ba · 3,151 sqft · $175/sqft · 116 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Kemarie Johnson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 5501 SABAL DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5501 SABAL DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kemarie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5501 SABAL DRIVE FAQs
What would the monthly payment be for 5501 SABAL DRIVE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $3,435/mo — principal and interest, the actual property-tax bill, the $100/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 5501 SABAL DRIVE?+
The association fee works out to $100 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5501 SABAL DRIVE?+
The most recent tax bill on record (2025) was $4,468. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 5501 SABAL DRIVE?+
The listing reports pets: Cats OK, Dogs OK, Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in St Cloud?+
At $383,500, this home is listed about 9% below the St Cloud median of $422,995. The market section on this page shows how the area is trending.
Which schools are assigned to 5501 SABAL DRIVE?+
Narcoossee Elementary School (elementary), Narcoossee Middle School (middle), Harmony High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the ST CLOUD 34771 market on paper
$383,500 is 6% below the ST CLOUD 34771 median of $406,495, and at $224/sqft it sits under the St Cloud average of $228.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
118 days on market against a St Cloud median of 53 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $410,000, now $383,500 — a $27K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Tamara Pawlowska. MLS #A4699712.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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