2905 TUPELO LOOP, ST CLOUD, FL, 34772
Active83 days on marketListed Apr 28, 2026MLS #O6402805
About this home
2905 TUPELO LOOP
MODEL-QUALITY FINISHES - SMART UPGRADES THROUGHOUT. Welcome to Twin Lakes Reserve, a tranquil and meticulously planned enclave in St. Cloud. This 2023 residence is fully loaded with premium upgrades and ready for immediate move-in.EXTERIOR HIGHLIGHTS: This home features extensive upgrades including premium artistic pavers in both front and back yards. The backyard is a private sanctuary with artistic landscaping and a full privacy fence. The highlight is the upgraded lanai, featuring a fully motorized retractable power screen system and a wall-mounted TV, creating the ultimate outdoor media lounge.INTERIOR LUXURY: Enjoy an entirely CARPET-FREE home featuring premium Luxury Vinyl Plank (LVP) flooring throughout. The gourmet kitchen boasts a massive oversized island with high-end Quartz countertops. This home is equipped with a tankless water heater for efficiency. Every bedroom includes custom-built closet systems and high-end designer ceiling fans.PREMIER LOCATION: Minutes away from major highways, Orlando International Airport, and world-class theme parks. Why wait for a new build? Experience the perfect blend of modern technology and refined design. Schedule your private showing today!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
1,957
Sqft
0.15 ac
Lot size
2
Garage
2023
Year built
One
Levels
$266
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.
$3,657 /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
$3,657/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
+27.6%
$/sqft vs St Cloud actives
$266 vs $221
Days on market
83 vs 33 typical
Where $266/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 34772 — neighborhood snapshot
Population
33,542
Median age
39.9
Median income
$86,900
Median home value
$352,400
Avg household
3.05
Households w/ children
4,027
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 41% above the ST CLOUD 34772 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 2905 TUPELO LOOP
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$492,990
2817 WILLOWSEED LANE · same community
3 bd · 3 ba · 1,953 sqft · $252/sqft · 351 DOM
Sold · Jan ’26$543,400
2813 WILLOWSEED LANE · same community
4 bd · 3 ba · 2,275 sqft · $239/sqft · 319 DOM
Sold · Apr ’26$515,900
5243 BUTTONSAGE DR DRIVE · same community
4 bd · 4 ba · 2,549 sqft · $202/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
Lyra Rae
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 2905 TUPELO LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2905 TUPELO LOOP — before you fall in love.
See it in person
Schedule a tour
Live availability from Lyra's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2905 TUPELO LOOP FAQs
What would the monthly payment be for 2905 TUPELO LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,657/mo — principal and interest, the actual property-tax bill, the $76/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 2905 TUPELO LOOP?+
The association fee works out to $76 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2905 TUPELO LOOP?+
The most recent tax bill on record (2025) was $1,570. 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 2905 TUPELO 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 $519,900, this home is listed about 22% above the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2905 TUPELO LOOP?+
Hickory Tree Elementary School (elementary), St. Cloud 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 VALSTAR REALTY LLC · Junzhi Liu. MLS #O6402805.
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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