
5592 VIGO LOOP, ST CLOUD, FL, 34771
Active45 days on marketListed Aug 26, 2026MLS #O6429826
About this home
5592 VIGO LOOP
Welcome to Siena Reserve, a beautiful community in charming St. Cloud offering an affordable HOA and no CDD. Surrounded by picturesque wetlands and tranquil ponds, this inviting community provides a peaceful setting filled with Florida’s natural beauty and wildlife, while remaining conveniently close to Central Florida’s shopping, dining, entertainment, and major attractions. Nearly new and built in 2023, this impressive 4-bedroom, 3-bath home combines modern style, spacious living, and a thoughtfully designed floor plan. From the moment you step inside, you’re welcomed by soaring 9’4” ceilings, an abundance of natural light, and a versatile office/flex space, perfect for working from home, studying, or creating a quiet sitting area. Continue down the hall and the home opens beautifully into a bright and airy open-concept living, dining, and kitchen area designed for gathering and entertaining. The spacious kitchen serves as the heart of the home, featuring granite countertops, a large center island with seating, abundant cabinetry, and generous prep space. The seamless layout creates an effortless flow between the kitchen, dining, and living areas, while large sliding glass doors fill the space with natural light and invite you outdoors. Step through the sliders onto the covered lanai, where indoor and outdoor living come together. Beyond the lanai is a huge, fully fenced backyard on an oversized corner lot, offering wonderful privacy and plenty of room to entertain, play, garden, or simply enjoy the Florida sunshine. Back inside, a desirable first-floor bedroom and full bathroom provide flexibility for guests, extended family, or multigenerational living. Head upstairs to discover a spacious loft, perfect for a second family room, media room, game room, or additional flex space, along with the remaining bedrooms and private primary suite. Additional features include a Nest Smart Thermostat, extended paver driveway and walkway, garage door opener, and covered lanai, adding convenience, comfort, and curb appeal. Siena Reserve completes the Florida lifestyle with a resort-style swimming pool and shaded cabanas, along with the beauty of surrounding ponds and conservation areas. Conveniently located near the Florida Turnpike and US-192, you’ll enjoy easy access to Lake Nona, Kissimmee, Orlando, shopping, dining, recreation, and the many attractions and conveniences throughout Central Florida Nearly new, beautifully designed, and offering the space, privacy, and lifestyle you’ve been looking for, this one truly checks all the boxes. Come experience it for yourself and make it yours!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,667
Sqft
0.16 ac
Lot size
2
Garage
2023
Year built
Two
Levels
$195
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.
$4,053 /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
$4,053/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
+13%
$/sqft vs St Cloud actives
$195 vs $211
Days on market
45 vs 68 typical
Where $195/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 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 → $399K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
223 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 25% 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 5592 VIGO LOOP
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$529,999
47 POLERMO AVENUE · same community
5 bd · 4.5 ba · 3,137 sqft · $169/sqft · 81 DOM
Sold · Aug ’26$470,000
3 POLERMO AVENUE · same community
4 bd · 3.5 ba · 3,137 sqft · $150/sqft · 58 DOM
Sold · Mar ’26$415,000
5588 VIGO LOOP · same community
4 bd · 2 ba · 2,045 sqft · $203/sqft · 89 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
Kemarie Johnson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 5592 VIGO LOOP — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5592 VIGO LOOP — before you fall in love.
See it in person
Schedule a tour
Live availability from Kemarie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5592 VIGO LOOP FAQs
What would the monthly payment be for 5592 VIGO LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,053/mo — principal and interest, the actual property-tax bill, the $60/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 5592 VIGO LOOP?+
The association fee works out to $60 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5592 VIGO LOOP?+
The most recent tax bill on record (2025) was $6,503. 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 5592 VIGO 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 $519,990, this home is listed about 21% above the St Cloud median of $429,900. The market section on this page shows how the area is trending.
Which schools are assigned to 5592 VIGO LOOP?+
Narcoossee 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.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Irma Shaffer. MLS #O6429826.
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 5592 VIGO LOOP 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 Kemarie to ping you on any price or status change →


