405 CHAYNE PLACE, ST CLOUD, FL, 34771
Active14 days on marketListed Sep 26, 2026MLS #G5118060
About this home
405 CHAYNE PLACE
Step out your back gate and onto the Summerly walking trail. This 2023 Aria floor plan offers 3BR/2BA on a 0.14-acre lot, with energy-efficient features. The kitchen features Silestone quartz countertops, an upgraded subway tile backsplash, stainless steel appliances, and ample workspace overlooking the living area, dining room, and covered lanai. Luxury vinyl plank flooring runs throughout the main living spaces, and faux wood and vertical blinds are included throughout. The split floor plan places the primary suite at the back of the home for privacy, with a large walk-in closet and an en-suite bath with dual sinks and a walk-in shower. Two additional bedrooms at the front share the second bath, near a laundry room with privacy doors. This home includes a smart thermostat, smart lock, and video doorbell, and the security system, washer, and dryer convey. The covered lanai overlooks the fully fenced backyard, with room for pets, play, gardening, or outdoor dining and direct gated access to the community trail. A 2-car garage with opener completes the home. Summerly offers a resort-style pool and playground, with a low annual HOA and no CDD. Located off the Narcoossee Road corridor with shopping and dining nearby, minutes from Lake Nona Town Center, Boxi Park, and Medical City, and about 30 minutes to Orlando International Airport. Schedule your private showing today.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,846
Sqft
0.14 ac
Lot size
2
Garage
2023
Year built
One
Levels
$233
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.
$3,383 /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
$3,383/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
+16.8%
$/sqft vs St Cloud actives
$233 vs $211
Days on market
14 vs 68 typical
Where $233/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
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 → $399K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
223 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 4% above the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 405 CHAYNE PLACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$364,000
320 TALISI LOOP · same community
4 bd · 2 ba · 1,846 sqft · $197/sqft · 84 DOM
Sold · Dec ’25$359,990
1339 MOUNT ROYAL DRIVE
3 bd · 2.5 ba · 1,835 sqft · $196/sqft · 6 DOM
Sold · Apr ’26$363,990
5222 CENTER LAKE RANCH BOULEVARD
3 bd · 2.5 ba · 1,833 sqft · $199/sqft · 0 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
Frederick Paige
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 405 CHAYNE PLACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 405 CHAYNE PLACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Frederick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
405 CHAYNE PLACE FAQs
What would the monthly payment be for 405 CHAYNE PLACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,383/mo — principal and interest, the actual property-tax bill, the $83/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 405 CHAYNE PLACE?+
The association fee works out to $83 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 405 CHAYNE PLACE?+
The most recent tax bill on record (2025) was $5,027. 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 405 CHAYNE PLACE?+
The listing reports pets: 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 $430,000, this home is priced right at the St Cloud median.
Which schools are assigned to 405 CHAYNE PLACE?+
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.
Keep looking
Similar homes nearby
Listing courtesy of HOMESMART · Nan Seelall LLC. MLS #G5118060.
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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