5298 MEREDREW LANE, ST CLOUD, FL, 34771
Active232 days on marketListed Mar 20, 2026MLS #O6391112
About this home
5298 MEREDREW LANE
NEARLY NEW • OVERSIZED LOT • 4 BEDROOMS • 3 BATHROOMS • NO CDD • MINUTES TO LAKE NONA Why buy new construction when you can have nearly new without the wait? This home was built in 2024 by Meritage Homes and offers 4 bedrooms, 3 full bathrooms, 2,634 square feet, a 2-car garage, and an exceptional oversized 12,197-square-foot lot—one of the larger lots you’ll find in the community. Step inside to a bright, open floor plan featuring ceramic tile throughout the main living areas, a spacious kitchen with white cabinetry, granite countertops, and stainless-steel appliances, plus a versatile upstairs loft that can easily serve as a home office, media room, playroom, or second living area. The first-floor bedroom and full bathroom add valuable flexibility for guests, multigenerational living, or a private office. Upstairs you’ll find the primary suite, additional bedrooms, full bathrooms, and loft space, giving everyone room to spread out. Outside, the oversized lot gives you something most homes in the neighborhood simply don’t have—space. There’s room to enjoy the Florida lifestyle, create your own outdoor retreat, add landscaping, or simply appreciate having more breathing room around your home. Located in Silver Springs, residents enjoy a resort-style community pool, clubhouse & playground, with NO CDD. The location is especially attractive to buyers working or spending time in Lake Nona and Medical City, while still offering convenient access to Orlando International Airport, shopping, dining, major highways & everything Central Florida has to offer. 4 BEDROOMS | 3 FULL BATHROOMS | 2,634 SQ. FT. | 2024 CONSTRUCTION | OVERSIZED 12,197 SQ. FT. LOT | 2-CAR GARAGE | LOFT | COMMUNITY POOL | CLUBHOUSE | NO CDD | MINUTES TO LAKE NONA This is not just another new home—it is a nearly new home with one of the community’s most desirable oversized lots. Come see the difference for yourself!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,634
Sqft
0.28 ac
Lot size
2
Garage
2024
Year built
Two
Levels
$178
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.
$4,201 /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
$4,201/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
−20%
$/sqft vs St Cloud actives
$178 vs $211
Days on market
232 vs 53 typical
Where $178/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)
206 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% 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 5298 MEREDREW LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’26$375,000
5288 STEPHS FIELD STREET · same community
4 bd · 2.5 ba · 2,170 sqft · $173/sqft · 26 DOM
Sold · Dec ’25$210,000
15 JUNIPER TRAIL CIRCLE · same community
3 bd · 2 ba · 1,014 sqft · $207/sqft · 7 DOM
Sold · Jul ’26$635,000
1131 SUGAR BELT DRIVE
5 bd · 2.5 ba · 2,714 sqft · $234/sqft · 26 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 5298 MEREDREW LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5298 MEREDREW LANE — 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
5298 MEREDREW LANE FAQs
What would the monthly payment be for 5298 MEREDREW LANE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $4,201/mo — principal and interest, the actual property-tax bill, the $110/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 5298 MEREDREW LANE?+
The association fee works out to $110 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5298 MEREDREW LANE?+
The most recent tax bill on record (2025) was $5,964. 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 5298 MEREDREW LANE?+
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 $469,900, this home is listed about 12% above the St Cloud median of $420,240. The market section on this page shows how the area is trending.
Which schools are assigned to 5298 MEREDREW LANE?+
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
Three things that matter here
01Positioned at the premium end
$469,900 runs 16% above the ST CLOUD 34771 median — but at 2,634 sqft it's also 33% larger than the typical St Cloud listing.
02Time on market is leverage
232 days on market against a St Cloud median of 53 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $500,000, now $469,900 — a $30K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX VANTAGE · Rustina Gibson. MLS #O6391112.
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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