5501 SABAL DRIVE, ST CLOUD, FL, 34771
Active69 days on marketListed Jul 14, 2026MLS #A4699712
About this home
5501 SABAL DRIVE
MOVE-IN READY WITH THE UPGRADES ALREADY DONE! SELLER WILLING TO ASSIST WITH BUYER'S CLOSING COSTS! Why wait for new construction when this beautifully maintained home is ready for you now? This 3-bedroom, 2-bath home also features a versatile flex room, perfect for a home office, playroom, or additional living space. The kitchen features beautiful tall wood cabinetry, quartz countertops, and a stylish backsplash. Additional upgrades include laminate flooring throughout the main living areas, upgraded light fixtures, and ceiling fans in every room — features you may otherwise have to add after purchasing new construction. Situated on a desirable oversized end lot, the property offers extra outdoor space and added privacy compared with many interior lots. Located in the Wiregrass community of St. Cloud, this move-in-ready home combines thoughtful upgrades, extra space, and convenience from day one. Residents can also enjoy the community pool, and Florida's beautiful beaches are approximately 45 minutes away. SELLER is willing to contribute toward buyer's closing costs. Schedule your private showing today!
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
$227
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.
$3,094 /mo · 3.5% down FHA, 30-yr fixed at 6%
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
$3,094/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.
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
−4%
$/sqft vs St Cloud actives
$227 vs $217
Days on market
69 vs 47 typical
Where $227/sqft sits among the 400 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
31,368
Median age
38.6
Median income
$101,434
Median home value
$427,500
Avg household
3.21
Households w/ children
4,183
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
$412K → $394K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
246 of 400
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 5% 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 ’25$535,000
1539 WYNELL STREET · same community
4 bd · 3.5 ba · 3,021 sqft · $177/sqft · 70 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
Cindy Fernandez
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 Cindy'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 6%, the all-in payment lands around $3,094/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 $389,000, this home is listed about 9% below the St Cloud median of $429,000. The market section on this page shows how the area is trending.
Which schools are assigned to 5501 SABAL DRIVE?+
Harmony Community School (elementary), Harmony High School (high), Narcoossee Middle School (middle) — 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
$389,000 is 5% below the ST CLOUD 34771 median of $411,493, and at $227/sqft it sits under the St Cloud average of $236.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Strong assigned schools
Harmony Community School, Harmony High School, Narcoossee Middle School — Harmony Community School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $410,000, now $389,000 — a $21K 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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