5087 TANA TERRACE, ST CLOUD, FL, 34772
Active108 days on marketListed Jun 24, 2026MLS #O6419605
About this home
5087 TANA TERRACE
Built in 2025 and loaded with upgrades, this stunning 4-bedroom, 2-bathroom home offers modern living with peaceful pond views and no rear neighbors. Enjoy relaxing mornings and breathtaking sunrises from the covered back porch overlooking the water. Inside, the open-concept design seamlessly connects the living room, dining area, and kitchen, creating the perfect space for entertaining and everyday living. Upgrades include tile flooring throughout, a picture window that fills the living area with natural light, and French doors leading to the backyard and tranquil pond views. The chef-inspired kitchen is both beautiful and functional, featuring quartz countertops, stainless steel appliances, a spacious center island, a dedicated coffee bar, and a walk-in pantry complete with custom built-ins for exceptional organization and storage. Privately situated at the rear of the home, the primary suite serves as a peaceful retreat with pond views and an impressive walk-in closet featuring custom built-ins designed to maximize organization and storage. The ensuite bathroom offers dual vanities and a separate shower, creating a comfortable and private space to unwind. Three additional bedrooms provide flexibility for guests, family, or a home office, while the dedicated laundry room adds everyday convenience. The home also includes smart home technology, allowing you to conveniently control and monitor key features from your smart devices. Residents enjoy access to fantastic community amenities including a resort-style pool, and playground, all with a low HOA. Conveniently located in a growing Central Florida area with easy access to major roadways, shopping, dining, parks, and Downtown Orlando, this move-in ready home offers the perfect blend of comfort, convenience, and modern style.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,828
Sqft
0.14 ac
Lot size
2
Garage
2025
Year built
One
Levels
$208
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.
$2,905 /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
$2,905/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
−8%
$/sqft vs St Cloud actives
$208 vs $212
Days on market
108 vs 68 typical
Where $208/sqft sits among the 399 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 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
$412K → $399K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
229 of 399
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 5% below the ST CLOUD 34772 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 5087 TANA TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$386,990
5265 MASSER ROAD · same community
4 bd · 2 ba · 1,828 sqft · $212/sqft · 11 DOM
Sold · Jun ’26$385,990
5257 MASSER ROAD · same community
4 bd · 2 ba · 1,828 sqft · $211/sqft · 33 DOM
Sold · Feb ’26$407,990
5220 MASSER ROAD · same community
4 bd · 2 ba · 1,828 sqft · $223/sqft · 62 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
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 5087 TANA TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5087 TANA TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5087 TANA TERRACE FAQs
What would the monthly payment be for 5087 TANA TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,905/mo — principal and interest, the actual property-tax bill, the $62/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 5087 TANA TERRACE?+
The association fee works out to $62 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5087 TANA TERRACE?+
The most recent tax bill on record (2025) was $3,337. 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 5087 TANA TERRACE?+
The listing reports pets: Cats OK, Dogs OK. 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 $380,000, this home is listed about 12% below the St Cloud median of $429,900. The market section on this page shows how the area is trending.
Which schools are assigned to 5087 TANA TERRACE?+
Neptune Elementary School (elementary), St. Cloud High School (high), Neptune 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
01Under the ST CLOUD 34772 market on paper
$380,000 is 5% below the ST CLOUD 34772 median of $399,000, and at $208/sqft it sits under the St Cloud average of $232.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $415,000, now $380,000 — a $35K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX TOWN & COUNTRY REALTY · Dominick Florio. MLS #O6419605.
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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