1261 LONE PALM WAY, ST CLOUD, FL, 34771
Active1 days on marketListed Aug 6, 2026MLS #O6431277
About this home
1261 LONE PALM WAY
Welcome to this exceptional 2022-built residence in the desirable Wiregrass community of St. Cloud. Offering over 3,000 square feet of thoughtfully designed living space, this stunning two-story home features 4-bedrooms, 3.5-baths, all situated on a spacious, fully vinyl-fenced corner homesite. From the moment you step inside, you'll appreciate the luxury vinyl plank flooring, 9 foot ceilings, and sophisticated neutral color palette that create a bright, modern atmosphere. A private study with French doors provides the perfect work-from-home space, while the expansive great room and dining area flow effortlessly into the gourmet kitchen. The kitchen showcases an oversized island with seating, quartz countertops, abundant soft-close white cabinetry, stainless steel appliances, a dedicated coffee bar, and a reverse osmosis drinking water system. The first floor also includes a convenient guest powder room, generous storage, and spacious laundry room. Upstairs, rich white oak hardwood flooring extends throughout the entire second level, where you'll find all four bedrooms and a versatile loft ideal for a media room, game room, home gym, or additional living space. The primary suite serves as a private retreat, featuring a tray ceiling, multiple closets including an oversized walk-in closet, an en-suite bath with dual shower-head, and the added convenience of a laundry chute. A Jack-and-Jill bathroom connects two secondary bedrooms, providing both functionality and privacy for family or guests. Step outside to enjoy Florida living at its finest on the oversized covered patio overlooking the expansive backyard—perfect for outdoor dining, entertaining, or relaxing. Additional premium features include a paver driveway, epoxy-coated two-car garage, irrigation system, well-maintained landscaping, gutter system installed in 2025, InSinkErator 1-HP disposal system, whole-home water softener, smart doorbell and door locks, smart light switches, Ecobee smart thermostats controlling dual-zone HVAC systems, and a Wi-Fi-enabled smart garage door opener. Residents of Wiregrass enjoy outstanding community amenities, including a resort-style zero-entry swimming pool, playground, gazebo, and scenic walking trails—all with a low monthly HOA and no CDD fees. Zoned for A-rated schools and ideally located near shopping, dining, and major commuter routes, this truly move-in-ready home combines timeless style, modern technology, and exceptional comfort today’s buyers are looking for.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
3,060
Sqft
0.16 ac
Lot size
2
Garage
2022
Year built
Two
Levels
$186
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.
$4,042 /mo · 10% down Conventional, 30-yr fixed at 6%
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
$4,042/mo
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.
vs edgeAI estimate
+4%
$/sqft vs WIREGRASS PH 2
$186 vs $179
Days on market
1 vs 42 typical
Where $186/sqft sits among the 7 homes for sale in WIREGRASS PH 2
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 → $395K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
4 of 7
WIREGRASS PH 2 have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 32% 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 1261 LONE PALM WAY
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$525,000
1240 LONE PALM WAY · same community
4 bd · 3.5 ba · 3,021 sqft · $174/sqft · 20 DOM
Sold · Aug ’25$439,000
1180 LONE PALM WAY · same community
4 bd · 3 ba · 2,126 sqft · $206/sqft · 13 DOM
Sold · Oct ’25$539,000
5700 IRON BRAND ROAD
4 bd · 3.5 ba · 3,084 sqft · $175/sqft · 112 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
Leliana Vazquez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1261 LONE PALM WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1261 LONE PALM WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from Leliana's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1261 LONE PALM WAY FAQs
What would the monthly payment be for 1261 LONE PALM WAY?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,042/mo — principal and interest, the actual property-tax bill, the $99/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 1261 LONE PALM WAY?+
The association fee works out to $99 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1261 LONE PALM WAY?+
The most recent tax bill on record (2025) was $5,988. 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 1261 LONE PALM 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 $569,000, this home is listed about 32% above the St Cloud median of $429,675. The market section on this page shows how the area is trending.
Which schools are assigned to 1261 LONE PALM 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.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA PRESTIGIOUS HOMES INC · Ian Trumbach. MLS #O6431277.
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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