6120 WATERFIELD WAY, ST CLOUD, FL, 34771
Active60 days on marketListed Jun 6, 2026MLS #O6414528
About this home
6120 WATERFIELD WAY
PRICE REDUCED 7/31/26. Welcome to your private Florida retreat in the highly sought-after Lake Lizzie Reserve GATED COMMUNITY! Nestled on nearly three-quarters of an acre, this 4-bedroom, 2-bath home offers the perfect blend of comfort, style, and peace of mind with numerous upgrades already completed for its next owner. From the moment you arrive, you'll appreciate the EXTENDED DRIVEWAY, mature landscaping, and inviting curb appeal. Step inside to discover an open and airy split floor plan featuring soaring vaulted ceilings, elegant crown molding, and durable flooring throughout—there's absolutely no carpet anywhere in the home. The heart of the home is the UPGRADED KITCHEN, thoughtfully designed for both everyday living and entertaining. The spacious owner's suite serves as a true sanctuary, complete with double sink vanities, a beautifully upgraded walk-in shower, and a separate garden tub perfect for unwinding after a long day. Enjoy Florida living year-round from the screened-in patio with a LAKEVIEW overlooking your tree-shaded backyard retreat. Whether you're hosting family gatherings, enjoying your morning coffee, or simply relaxing in nature, this expansive property offers the space and privacy you've been searching for. Additional features include a 2-car garage, dedicated LAUNDRY ROOM, gutters, sprinkler system, whole-home water purification system, and significant recent updates including a ROOF REPLACEMENT IN 2019 and HVAC REPLACEMENT IN 2022. Providing valuable peace of mind for years to come. Located within the exclusive gated community of Lake Lizzie Reserve, residents enjoy large estate-sized homesites and a tranquil setting surrounded by natural beauty. Despite its peaceful atmosphere, the home remains conveniently LOCATED NEAR LAKE NONA MEDICAL CITY, Orlando International Airport, shopping, dining, and major roadways. The beautiful beaches of Florida's east coast, including Cocoa Beach, are approximately 45-60 minutes away, making weekend getaways effortless. The property is also within easy reach of Orlando's world-famous attractions, championship golf courses, and outdoor recreation opportunities. If you've been searching for a move-in ready home with space, privacy, modern updates, and an exceptional location, this is the one you've been waiting for. 6120 Waterfield Way is more than a home—it's a lifestyle. Sold As-Is.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,236
Sqft
0.72 ac
Lot size
2
Garage
2004
Year built
One
Levels
$215
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.
$3,536 /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
$3,536/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
+14.8%
$/sqft vs St Cloud actives
$215 vs $219
Days on market
60 vs 43 typical
Where $215/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
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
$412K → $400K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
210 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
Reality check
What actually sold near 6120 WATERFIELD WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$475,000
6114 WATERFIELD WAY · same community
4 bd · 2.5 ba · 2,419 sqft · $196/sqft · 8 DOM
Sold · Apr ’26$442,500
2325 LAKE LIZZIE COURT
5 bd · 2.5 ba · 2,165 sqft · $204/sqft · 2 DOM
Sold · Sep ’25$540,990
6967 COPPERWOOD AVENUE
4 bd · 3.5 ba · 2,341 sqft · $231/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
Arlinda Gokyar
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 6120 WATERFIELD WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6120 WATERFIELD WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from Arlinda's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
6120 WATERFIELD WAY FAQs
What would the monthly payment be for 6120 WATERFIELD WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,536/mo — principal and interest, the actual property-tax bill, the $159/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 6120 WATERFIELD WAY?+
The association fee works out to $159 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 6120 WATERFIELD WAY?+
The most recent tax bill on record (2025) was $2,159. 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 6120 WATERFIELD WAY?+
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 $479,900, this home is listed about 12% 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 6120 WATERFIELD WAY?+
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
01Positioned at the premium end
$479,900 runs 12% above the ST CLOUD 34771 median.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $549,990, now $479,900 — a $70K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KARLA ROBINSON REALTY, INC. · Karla Robinson. MLS #O6414528.
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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