903 LADYFISH TRAIL, ST CLOUD, FL, 34769
Active151 days on marketListed Jun 9, 2026MLS #O6415248
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Clients/agents must visit model home at 5292 Goldfinch Drive, St. Cloud, FL, 34771, prior to visit.
Sat, Nov 14
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Clients/agents must visit model home at 5292 Goldfinch Drive, St. Cloud, FL, 34771, prior to visit.
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Clients/agents must visit model home at 5292 Goldfinch Drive, St. Cloud, FL, 34771, prior to visit.
Sat, Nov 21
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Clients/agents must visit model home at 5292 Goldfinch Drive, St. Cloud, FL, 34771, prior to visit.
Sun, Nov 22
1:00 PM – 4:00 PM
Clients/agents must visit model home at 5292 Goldfinch Drive, St. Cloud, FL, 34771, prior to visit.
Sat, Nov 28
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Clients/agents must visit model home at 5292 Goldfinch Drive, St. Cloud, FL, 34771, prior to visit.
Sun, Nov 29
1:00 PM – 4:00 PM
Clients/agents must visit model home at 5292 Goldfinch Drive, St. Cloud, FL, 34771, prior to visit.
About this home
903 LADYFISH TRAIL
What's Special: Covered Lanai| 3-Car Garage | Appliances & Blinds Included. New Construction - Ready Now! Welcome to the Saint Croix at 903 Ladyfish Trail in The Waters at Center Lake Ranch! This thoughtfully designed home features an open layout ideal for everyday living and entertaining. The gourmet kitchen offers a large center island, walk-in pantry, and seamless flow to the dining area and great room. A covered lanai extends the living space outdoors. The private primary suite includes a spacious walk-in closet and spa-inspired bath. Three secondary bedroom suites, a flex space, half bathroom, laundry room, drop zone, and three-car garage add exceptional versatility and convenience. The Waters at Center Lake Ranch sits within a 2,050-acre master-planned community just south of Lake Nona. Conveniently located along the Narcoossee corridor, this natural gas community offers strong value near Medical City. Enjoy a walkable setting with cohesive neighborhoods, multi-use trails, recreation areas, and conservation wetlands that enrich daily living. Additional Highlights Include: shower in place of tub at Bath 2 and 3, tray ceiling package, pocket sliding glass door at great room, 8' interior doors, pre-plumb for laundry sink, and outdoor kitchen rough-in. MLS#O6415248
Facts & features
The home at a glance
4
Bedrooms
4.5
Bathrooms
2,921
Sqft
0.16 ac
Lot size
3
Garage
2026
Year built
One
Levels
$205
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.
$4,245 /mo · 10% down Conventional, 30-yr fixed at 7.5%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,795/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+4.2%
$/sqft vs THE WATERS AT CENTER LAKE RANCH
$205 vs $218
Days on market
151 vs 53 typical
Where $205/sqft sits among the 8 homes for sale in THE WATERS AT CENTER LAKE RANCH
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 34769 — neighborhood snapshot
Population
30,204
Median age
35.4
Median income
$67,148
Median home value
$313,300
Avg household
2.86
Households w/ children
3,391
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)
5 of 8
THE WATERS AT CENTER LAKE RANCH have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 133% above the ST CLOUD 34769 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 903 LADYFISH TRAIL
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$675,000
1212 TEEL CREEK DRIVE · same community
4 bd · 4.5 ba · 2,921 sqft · $231/sqft · 0 DOM
Sold · Sep ’26$569,659
897 LADYFISH TRAIL · same community
4 bd · 4.5 ba · 2,925 sqft · $195/sqft · 70 DOM
Sold · Oct ’26$620,000
5292 GOLDFINCH DRIVE · same community
4 bd · 3.5 ba · 2,999 sqft · $207/sqft · 72 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 903 LADYFISH TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 903 LADYFISH TRAIL — 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
903 LADYFISH TRAIL FAQs
What would the monthly payment be for 903 LADYFISH TRAIL?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $4,245/mo — principal and interest, estimated property taxes, the $84/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 903 LADYFISH TRAIL?+
The association fee works out to $84 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 903 LADYFISH TRAIL?+
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 903 LADYFISH TRAIL?+
The listing reports pets: Breed Restrictions, 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 $600,000, this home is listed about 42% above the St Cloud median of $422,990. The market section on this page shows how the area is trending.
Which schools are assigned to 903 LADYFISH TRAIL?+
Harmony High School (high), Hickory Tree Elementary School (elementary), St. Cloud Middle School (middle) — 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
$600,000 runs 133% above the ST CLOUD 34769 median — but at 2,921 sqft it's also 48% larger than the typical St Cloud listing.
02Time on market is leverage
151 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 $624,000, now $600,000 — a $24K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of TAYLOR MORRISON REALTY OF FLORIDA INC · Michelle Campbell. MLS #O6415248.
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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