20 SUNSET HAVEN LOOP, ST CLOUD, FL, 34771
Active68 days on marketListed May 12, 2026MLS #L4961834
Come see it
Upcoming open houses
Thu, Jul 23
1:00 PM – 5:00 PM
All visitors should check in at the model home located at 12 Sunset Haven Loop St. Cloud, FL 34771. Multiple open houses are available throughout the community - ask onsite sales team for a full list!
Sat, Jul 25
12:00 PM – 4:00 PM
All visitors should check in at the model home located at 12 Sunset Haven Loop St. Cloud, FL 34771. Multiple open houses are available throughout the community - ask onsite sales team for a full list!
Sun, Jul 26
1:00 PM – 4:00 PM
All visitors should check in at the model home located at 12 Sunset Haven Loop St. Cloud, FL 34771. Multiple open houses are available throughout the community - ask onsite sales team for a full list!
About this home
20 SUNSET HAVEN LOOP
Beautiful new construction townhome featuring a spacious open-concept layout, 3 bedrooms, loft, and an attached 2-car garage. The main floor offers a stunning designer kitchen with quartz countertops, 36" shaker cabinets, a tiled backsplash, stainless steel Samsung appliances, and a large island overlooking the living area. Enjoy indoor-outdoor living with a triple sliding glass door leading to a covered lanai with storage. Upstairs features a flex-use loft and a luxurious owner’s suite with a walk-in closet and en-suite bath including dual vanities, glass-enclosed tiled shower, and a linen closet. Designer finishes include luxury vinyl plank flooring, Mohawk carpet, LED lighting, 2" faux wood blinds, and a Samsung washer & dryer. Energy-efficient construction provides comfort and savings. Call today to learn more or schedule a tour! “Please note, virtual tour/photos showcases the home layout; colors and design options in actual home for sale may differ. Furnishings and decor do not convey.”
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,213
Sqft
0.06 ac
Lot size
2
Garage
2026
Year built
Two
Levels
$167
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.
$2,601 /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
$2,940/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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
−13.2%
$/sqft vs St Cloud actives
$167 vs $221
Days on market
68 vs 33 typical
Where $167/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
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
$414K → $400K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
189 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 13% 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 20 SUNSET HAVEN LOOP
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$399,900
24 SUNSET HAVEN LOOP · same community
4 bd · 2.5 ba · 2,336 sqft · $171/sqft · 145 DOM
Sold · Nov ’25$480,000
1048 TEAL CREEK STREET
4 bd · 2.5 ba · 2,197 sqft · $218/sqft · 36 DOM
Sold · Sep ’25$465,000
5118 GOLDFINCH DRIVE
3 bd · 3.5 ba · 2,149 sqft · $216/sqft · 49 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
Chris Shouse
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 20 SUNSET HAVEN LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 20 SUNSET HAVEN LOOP — before you fall in love.
See it in person
Schedule a tour
Live availability from Chris's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
20 SUNSET HAVEN LOOP FAQs
What would the monthly payment be for 20 SUNSET HAVEN LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,601/mo — principal and interest, estimated property taxes, 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 20 SUNSET HAVEN LOOP?+
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 20 SUNSET HAVEN LOOP?+
The most recent tax bill on record (2025) was $0. 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 20 SUNSET HAVEN LOOP?+
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 $369,900, this home is listed about 13% below the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 20 SUNSET HAVEN LOOP?+
Lakeview 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
Three things that matter here
01Under the ST CLOUD 34771 market on paper
$369,900 is 13% below the ST CLOUD 34771 median of $424,000, and at $167/sqft it sits under the St Cloud average of $236.
02Time on market is leverage
68 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $385,360, now $369,900 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CAMBRIDGE REALTY OF CENTRAL FL · George Lindsey, III. MLS #L4961834.
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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