CENTURY 21 Edge
$1,375,0006 bd5 ba5,193 sqft$265 /sqft$9,331 /mo all-in ↓

5229 WATERSIDE VISTA LANE, ST CLOUD, FL, 34771

Active8 days on marketListed Aug 1, 2026MLS #O6429142

WaterfrontPrivate poolSingle Family ResidenceWATERSIDE VISTA

About this home

5229 WATERSIDE VISTA LANE

Virtually Staged. Mediterranean Elegance Meets Waterfront Luxury in the Exclusive Gated Community of Waterside Vista. Experience luxury, privacy, and convenience in this stunning Mediterranean-inspired estate nestled within the exclusive gated enclave of a private boating community of only 24 custom residences. This one-of-a-kind property features a residential elevator, large home theater, breathtaking canal views, direct access to the Chain of Lakes, a heated saltwater pool, a rare five-car split garage, and an extended driveway accommodating up to 11 vehicles, perfect for your boats, cars, RVs, and all your recreational toys. Enjoy the benefit of lower St. Cloud taxes while being adjacent to Lake Nona, just 10 minutes from Lake Nona Medical City, highway 417 exit, world-class dining, shopping, and only 20 minutes from Orlando International Airport. Situated on a .64-acre waterfront homesite, this 5,193-square-foot estate offers 6 bedrooms, 5 bathrooms, and three versatile flex rooms ideal for a home office, gym, movie theater, playroom, or additional guest space. Enjoy breathtaking canal views with direct access to Fells Cove, East Lake Tohopekaliga, and the Chain of Lakes. The deep-water canal offers the opportunity to build your own private dock and enjoy the ultimate Florida boating lifestyle. From the moment you arrive, the home's striking Mediterranean architecture commands attention. A dramatic two-story turreted entrance, reminiscent of a castle, welcomes you into a spectacular 24-foot foyer with an elegant Juliet balcony. The home's impressive curb appeal is further enhanced by an extended driveway that comfortably accommodates accommodates up to 11 vehicles and is complemented by a rare five-car split garage, perfect for car enthusiasts, boat owners, or multigenerational living. The garage also features both a Tesla charger and an EVBox charging station. The open-concept floor plan is designed for entertaining and everyday living, featuring a chef's kitchen with an oversized granite island, upgraded countertops, stainless steel appliances, gas cooktop, and separate butler's pantry. An oversized laundry room offers abundant cabinetry, while thoughtful accessibility features including a residential elevator and front entry ramp provide comfort and convenience. The first-floor owner's suite is a private retreat featuring a custom walk-in closet with built-in organizers. A second first-floor bedroom and full bath are ideal for guests or multigenerational living. Upstairs offers a spacious living room with wet bar, a dedicated theater room, and four oversized bedrooms, including one with its own Juliet balcony. Step onto the second-floor balcony and take in beautiful canal views. Outdoor living shines with a heated saltwater pool, recently replaced pool motor, and a brand-new screened enclosure. More than 84 solar panels will convey with the home to help minimize electric costs, while a whole-home water treatment system enhances everyday comfort and efficiency. This exceptional home combines luxury waterfront living, private boating access, energy-efficient upgrades, accessibility features, abundant parking, and an unbeatable location next to Lake Nona. RSVP for the upcoming viewing event.

Facts & features

The home at a glance

6

Bedrooms

5

Bathrooms

5,193

Sqft

0.64 ac

Lot size

5

Garage

2015

Year built

Two

Levels

$265

Per sqft

Private poolWaterfrontPets allowed

Inside

FlooringCarpet · Tile
AppliancesMicrowave · Range · Range Hood · Refrigerator
InteriorElevator · Walk-In Closet(s) · Wet Bar
LaundryInside
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofTile
ConstructionBlock · Other · Stucco · Wood Siding
FoundationSlab
FacesSouth
ParkingDriveway · Garage Door Opener · Workshop in Garage
ExteriorSliding Doors

Community & fees

HOA fee$311/mo
Taxes (2025)$11,095/yr
PetsYes
CommunityCommunity Boat Ramp · Water Access · Deed Restrictions · Gated Community - No Guard · Sidewalks

Utilities & systems

UtilitiesPublic · Solar
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.

$9,331 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$7,419
PMI (est., until 20% equity)$516
Property tax — 2025 actual bill$925
HOA fee — from the listing$311
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $137,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $137,500
Interest rate6.00%
Loan term

Estimated payment

$9,331/mo

Principal & interest$7,419
PMI (est., until 20% equity)$516
Property taxes (actual bill)$925
HOA / condo fee$311
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. 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 $1.4M
$1.3MedgeAI estimate $1,677,138 · range $1.5M$2.0M$2.1M

vs edgeAI estimate

−18%

$/sqft vs St Cloud actives

$265 vs $219

Days on market

8 vs 43 typical

Where $265/sqft sits among the 400 St Cloud actives

106
135
68
43 · this home
18
30
$163–196$196–230$230–263$263–296$296–330$330+

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

Map of 5229 WATERSIDE VISTA LANE

Drive times from this address

Orlando Int’l Airport (MCO)24 min
Downtown Orlando29 min
Walt Disney World35 min
Universal Orlando35 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

ElementaryLakeview Elementary School★★★★★
MiddleNarcoossee Middle School★★★★★
HighHarmony High School★★★★★

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

The numbers that matter

The St Cloud market

Seller’s marketLeans seller4.7 months of inventoryBuyer’s market

$412K$395K

St Cloud median sold, yr/yr

98.4%

Sale-to-list ratio (12 mo)

224 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 221% above the ST CLOUD 34771 median. See the full St Cloud market guide →

Paper trail

This home's history

Aug 1, 2026Listed at $1,375,000 · 8 days on market since
2015Built · WATERSIDE VISTA

Reality check

What actually sold near 5229 WATERSIDE VISTA LANE

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

2820 MATERA DRIVESold · Sep ’25

$875,000

2820 MATERA DRIVE

7 bd · 5.5 ba · 5,246 sqft · $167/sqft · 22 DOM

2618 MEAD AVENUESold · Apr ’26

$740,000

2618 MEAD AVENUE

6 bd · 4.5 ba · 4,209 sqft · $176/sqft · 27 DOM

5029 HARTWELL COURTSold · Dec ’25

$774,975

5029 HARTWELL COURT

6 bd · 3.5 ba · 4,139 sqft · $187/sqft · 147 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.

Donna Layton

Your agent

Donna Layton

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 5229 WATERSIDE VISTA LANE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 5229 WATERSIDE VISTA LANE — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

5229 WATERSIDE VISTA LANE FAQs

What would the monthly payment be for 5229 WATERSIDE VISTA LANE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,331/mo — principal and interest, the actual property-tax bill, the $311/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 5229 WATERSIDE VISTA LANE?+

The association fee works out to $311 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 5229 WATERSIDE VISTA LANE?+

The most recent tax bill on record (2025) was $11,095. 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 5229 WATERSIDE VISTA LANE?+

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 $1,375,000, this home is listed about 220% above the St Cloud median of $429,990. The market section on this page shows how the area is trending.

Which schools are assigned to 5229 WATERSIDE VISTA LANE?+

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.

Listing courtesy of JUPITER PROPERTIES, INC · Sulamita Del Valle. MLS #O6429142.

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.

Never miss a listing

New St Cloud homes, in your inbox

Like 5229 WATERSIDE VISTA LANE but not quite? A daily digest of every new listing in St Cloud — straight from the MLS, hours after it goes live. Unsubscribe anytime.

Just watching this one home? Ask Donna to ping you on any price or status change →

CENTURY 21 Edge
© 2026 CENTURY 21® and the CENTURY 21 Logo are registered service marks owned by Century 21 Real Estate LLC. Sunseria Real Estate Group LLC d/b/a CENTURY 21 Edge fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each office is independently owned and operated. Any services or products provided by independently owned and operated franchisees are not provided by, affiliated with, or related to Century 21 Real Estate LLC nor any of its affiliated companies.

MLS® Disclaimers

Stellar MLS / MFRMLSCopyright © MFRMLS.com. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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. Information on this site was last updated August 9, 2026 at 11:10 AM UTC. The listing information on this page last changed on August 9, 2026 at 11:10 AM UTC. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of MFR MLS. Updated on August 9, 2026 at 11:10 AM UTC.

StellarMLS DMCA Notice: The Digital Millennium Copyright Act of 1998, 17 U.S.C. §512, the DMCA, provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com. The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owners behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.

Southeast Florida MLSCopyright Southeast Florida Multiple Listing Service © 2026. Accuracy of listing information is not guaranteed. Listing information is provided for personal consumer, non-commercial use, solely to identify potential properties for potential purchase. All other use is strictly prohibited, is a violation of the terms of use, and may violate federal and state law. Data Last Updated: August 9, 2026 at 11:10 AM UTC.

Space Coast AORThese listings are provided by the IDX Program of Brevard County, Florida. Real Estate listings held by brokerage firms other than CENTURY 21 Edge Central Florida are marked with the IDX Logo and detailed information about them includes the name of the listing brokers. 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. Information deemed reliable but not guaranteed.

Beaches MLSAll information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer''s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.