410 CHESAPEAKE DRIVE, ST CLOUD, FL, 34771
Active40 days on marketListed Sep 28, 2026MLS #L4965393
About this home
410 CHESAPEAKE DRIVE
Under Construction. Open-Concept 3BR/2.5BA Townhome with Garage & Lanai. Beautifully designed 3-bedroom townhome featuring an open floor plan, 1-car garage, and covered lanai. The kitchen boasts quartz countertops, 36" shaker cabinets, stainless steel Samsung appliances (including smart range), a pantry, and a breakfast bar. Luxury vinyl plank flooring flows through the main living areas and wet spaces, with stain-resistant carpet in bedrooms and upstairs. The spacious owner’s suite includes a walk-in closet, dual vanities, and a tiled shower. Two additional bedrooms share a full bath and hallway linen closet. Upgrades & Features: Energy-efficient construction: R-30 insulation, Low-E windows, foam block insulation Samsung washer & dryer LED lighting, faux wood blinds, and built-in pest control Soft-close cabinetry, tile backsplash, and pull-down kitchen faucet Move-in ready with modern finishes throughout!
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,730
Sqft
0.05 ac
Lot size
1
Garage
2026
Year built
Two
Levels
$196
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.
$2,752 /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
$3,063/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.
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
−1%
$/sqft vs St Cloud actives
$196 vs $211
Days on market
40 vs 53 typical
Where $196/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
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 → $385K
St Cloud median sold, yr/yr
98.6%
Sale-to-list ratio (12 mo)
205 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 16% 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 410 CHESAPEAKE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$336,360
306 CHESAPEAKE DRIVE · same community
3 bd · 2.5 ba · 1,730 sqft · $194/sqft · 35 DOM
Sold · Sep ’26$339,360
362 CHESAPEAKE DRIVE · same community
3 bd · 2.5 ba · 1,730 sqft · $196/sqft · 62 DOM
Sold · Jun ’26$350,860
302 CHESAPEAKE DRIVE · same community
3 bd · 2.5 ba · 1,730 sqft · $203/sqft · 88 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
Iain Robinson
Broker Associate · CENTURY 21 Edge
Tours, negotiation, and every question about 410 CHESAPEAKE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 410 CHESAPEAKE DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Iain's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
410 CHESAPEAKE DRIVE FAQs
What would the monthly payment be for 410 CHESAPEAKE DRIVE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $2,752/mo — principal and interest, estimated property taxes, the $112/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 410 CHESAPEAKE DRIVE?+
The association fee works out to $112 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 410 CHESAPEAKE DRIVE?+
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 410 CHESAPEAKE DRIVE?+
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 $339,360, this home is listed about 20% below the St Cloud median of $422,990. The market section on this page shows how the area is trending.
Which schools are assigned to 410 CHESAPEAKE 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.
Keep looking
Similar homes nearby
Listing courtesy of CAMBRIDGE REALTY OF CENTRAL FL · George Lindsey, III. MLS #L4965393.
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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