CENTURY 21 Edge
$460,000$490,0004 bd2.5 ba2,364 sqft$195 /sqft$3,825 /mo all-in ↓

1868 GROVELINE ROAD, ST CLOUD, FL, 34771

Active157 days on marketListed Apr 17, 2026MLS #O6399790

Reduced $30KSingle Family ResidenceAMELIA GROVES PH 1

About this home

1868 GROVELINE ROAD

Short Sale. Welcome to an exceptional opportunity in the highly sought-after, sold-out community of Amelia Groves in St. Cloud, where modern design, convenience, and lifestyle come together in one of Central Florida’s fastest-growing areas. This beautifully designed two-story home offers four bedrooms, two and a half bathrooms, and a seamless open-concept layout that feels both spacious and inviting from the moment you step inside. From the impressive foyer, you are drawn into the heart of the home where the kitchen, dining area, and gathering room flow effortlessly together, creating a space that is perfect for both everyday living and entertaining. The kitchen is thoughtfully designed with quartz countertops, stainless steel appliances, a large center island, a pantry, and stylish cabinetry, all overlooking the main living area and extending out to the covered lanai for easy indoor-outdoor living. Whether hosting guests or enjoying a quiet evening at home, the layout provides both functionality and comfort in every detail. The primary suite is privately situated and offers a spacious retreat complete with a large walk-in closet and an en suite bathroom featuring dual sinks, a walk-in shower, and modern finishes that elevate the space. Three additional bedrooms provide flexibility for guests, a home office, or additional living needs, while the additional bathrooms and dedicated laundry room add to the home’s thoughtful design. Throughout the home, you will find carefully selected finishes including durable tile flooring in the main living areas, quartz surfaces, designer tile accents, and comfortable carpeting in the bedrooms, all combining to create a move-in ready experience. Step outside to enjoy the covered lanai, perfect for relaxing or entertaining while taking in the Florida lifestyle year-round. Amelia Groves offers a rare chance to own in a community that is no longer available through new construction, adding a level of exclusivity that is hard to find. Ideally located between the charm of downtown St. Cloud and the innovation of Lake Nona, residents enjoy convenient access to shopping, dining, and entertainment, including the popular Lake Nona Town Center. Outdoor enthusiasts will appreciate nearby destinations such as Lakefront Park, Harmony Golf Preserve, and Lake Lizzie. Opportunities like this in a sold-out community are rare, especially with a home that is already complete and ready to be enjoyed. Schedule your private showing today and experience the space, layout, and location that continue to make this area one of the most desirable places to call home. Short sale – subject to lender approval. Third party processor required.

Facts & features

The home at a glance

4

Bedrooms

2.5

Bathrooms

2,364

Sqft

0.14 ac

Lot size

2

Garage

2024

Year built

Two

Levels

$195

Per sqft

Pets allowed

Inside

FlooringCarpet · Ceramic Tile
AppliancesDishwasher · Disposal · Dryer · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Eating Space In Kitchen · Open Floorplan · PrimaryBedroom Upstairs · Stone Counters · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Room · Upper Level
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock · Concrete · HardiPlank Type · Stucco
FoundationSlab
FacesSouth
ParkingDriveway · Garage Door Opener
ExteriorIrrigation System · Sidewalk · Sliding Doors

Community & fees

HOA fee$145/mo
Taxes (2025)$7,305/yr
PetsYes
CommunityCommunity Mailbox · Playground · Pool · Sidewalks

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Public · Sewer Connected · Underground Utilities · Water Connected
WaterPublic

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.

$3,825 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,708
FHA mortgage insurance (est.)$203
Property tax — 2025 actual bill$609
HOA fee — from the listing$145
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $16,100Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $16,100
Interest rate6.00%
Loan term

Estimated payment

$3,825/mo

Principal & interest$2,708
FHA mortgage insurance (est.)$203
Property taxes (actual bill)$609
HOA / condo fee$145
Est. insurance$160

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.

List $460K
$426KedgeAI estimate $456,664 · range $444K$477K$496K

vs edgeAI estimate

+0.7%

$/sqft vs St Cloud actives

$195 vs $217

Days on market

157 vs 47 typical

Where $195/sqft sits among the 400 St Cloud actives

122 · this home
160
57
26
14
21
$154–199$199–243$243–288$288–332$332–377$377+

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

Universal Orlando41 min
Walt Disney World42 min
Orlando Int’l Airport (MCO)42 min
Downtown Orlando42 min

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

ElementaryHarmony Community School★★★★
HighHarmony High School★★★★★
MiddleNarcoossee Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The St Cloud market

Seller’s marketLeans seller4.6 months of inventoryBuyer’s market

$412K$394K

St Cloud median sold, yr/yr

98.4%

Sale-to-list ratio (12 mo)

244 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 12% above the ST CLOUD 34771 median. See the full St Cloud market guide →

Paper trail

This home's history

CurrentPrice reduced to $460,000 $30K
Apr 17, 2026Listed at $490,000 · 157 days on market since
2024Built · AMELIA GROVES PH 1

Reality check

What actually sold near 1868 GROVELINE ROAD

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

1616 GROVELINE ROADSold · Jan ’26

$435,000

1616 GROVELINE ROAD · same community

4 bd · 3 ba · 2,258 sqft · $193/sqft · 9 DOM

6085 FOREST PERCH DRIVESold · Jul ’26

$430,000

6085 FOREST PERCH DRIVE · same community

4 bd · 3 ba · 2,258 sqft · $190/sqft · 10 DOM

1880 GROVELINE ROADSold · Jan ’26

$415,000

1880 GROVELINE ROAD · same community

4 bd · 2.5 ba · 2,230 sqft · $186/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.

Nicholas Giaccone

Your agent

Nicholas Giaccone

Director of Agent Success · CENTURY 21 Edge

Tours, negotiation, and every question about 1868 GROVELINE ROAD — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1868 GROVELINE ROAD — before you fall in love.

See it in person

Schedule a tour

Live availability from Nicholas's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

1868 GROVELINE ROAD FAQs

What would the monthly payment be for 1868 GROVELINE ROAD?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,825/mo — principal and interest, the actual property-tax bill, the $145/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 1868 GROVELINE ROAD?+

The association fee works out to $145 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 1868 GROVELINE ROAD?+

The most recent tax bill on record (2025) was $7,305. 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 1868 GROVELINE ROAD?+

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 $460,000, this home is listed about 7% above the St Cloud median of $429,000. The market section on this page shows how the area is trending.

Which schools are assigned to 1868 GROVELINE ROAD?+

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

01Positioned at the premium end

$460,000 runs 12% above the ST CLOUD 34771 median — but at 2,364 sqft it's also 19% larger than the typical St Cloud listing.

02Time on market is leverage

157 days on market against a St Cloud median of 47 — sellers in this position are usually ready to negotiate.

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 $490,000, now $460,000 — a $30K cut. The full history is in the market section below.

Listing courtesy of KELLER WILLIAMS CLASSIC · Nancy Lezotte. MLS #O6399790.

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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