5513 SETTLINGSTONE LANE, ST CLOUD, FL, 34771
Active31 days on marketListed Aug 21, 2026MLS #O6433917
About this home
5513 SETTLINGSTONE LANE
Welcome to Bridgewalk, a new construction community offering single-family homes. Experience the charm and secluded ambiance of this boating community and relish in the ease of reaching Lake Nona's celebrated shopping, dining, and entertainment. Offering a variety of amenities including sports courts, a private boat launch, and more. The new two-story Ruby home combines modern elegance with practical living, offering 4 bedrooms, an enclosed flex room, 2 full bathrooms, a powder room, and a 2-car garage. Upon entry, you’re welcomed by the enclosed flex room and a conveniently located powder room. The foyer leads you toward the heart of the home, where the kitchen, gathering room, and café seamlessly flow together, overlooking the covered lanai. The heart of the home is the chef-inspired kitchen, where Flagstone cabinetry meets luxurious quartz countertops. A stainless-steel single-bowl sink enhance the space, while the built-in Whirlpool stainless steel appliances ensure you have everything you need for both everyday meals and special occasions. The owner’s suite, conveniently located on the main level, is a luxurious retreat. It features an en suite bathroom with a quartz-topped dual vanity, private water closet, glass enclosed shower, free standing tub, and an expansive walk-in closet. Upstairs, the spacious loft provides additional living space, while three additional bedrooms and one full bathroom, offer ample room for relaxation. Throughout the home, professionally curated design selections and premium finishes elevate the living experience. Tile flooring spans the living room, dining room, kitchen, and all bathrooms, while soft, stain-resistant Shaw carpet enhances enclosed flex room, loft, and all bedrooms. Additional touches such as chrome plumbing fixtures and hardware, crown molding in the living areas, 2” faux wood blinds, and stone accents at the front exterior of the home. The Enjoy the convenience of modern living with a smart thermostat, smart doorbell, security system pre-wire, surround sound pre-wire, and LED down lights. This Ruby home is where luxury and practicality meet. Don’t miss your chance to make this exceptional home yours—schedule a tour today!
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,886
Sqft
0.14 ac
Lot size
2
Garage
2026
Year built
Two
Levels
$206
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.
$4,051 /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
$4,051/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
+1.4%
$/sqft vs St Cloud actives
$206 vs $217
Days on market
31 vs 47 typical
Where $206/sqft sits among the 400 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 → $394K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
244 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 45% 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 5513 SETTLINGSTONE LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$648,190
5612 FLAME VINE WAY · same community
5 bd · 4 ba · 2,886 sqft · $225/sqft · 13 DOM
Sold · Apr ’26$6,970,390
5661 FLAME VINE WAY · same community
5 bd · 4 ba · 2,886 sqft · $2,415/sqft · 24 DOM
Sold · Mar ’26$618,440
5624 FLAME VINE WAY · same community
4 bd · 3 ba · 2,946 sqft · $210/sqft · 23 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
Julian Rivera
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 5513 SETTLINGSTONE LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5513 SETTLINGSTONE LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Julian's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5513 SETTLINGSTONE LANE FAQs
What would the monthly payment be for 5513 SETTLINGSTONE LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,051/mo — principal and interest, the actual property-tax bill, the $154/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 5513 SETTLINGSTONE LANE?+
The association fee works out to $154 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5513 SETTLINGSTONE LANE?+
The most recent tax bill on record (2025) was $3,639. 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 5513 SETTLINGSTONE LANE?+
The listing reports pets: Number Limit. 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 $594,990, this home is listed about 39% above the St Cloud median of $429,000. The market section on this page shows how the area is trending.
Which schools are assigned to 5513 SETTLINGSTONE LANE?+
Harmony Community School (elementary), Harmony High School (high), Narcoossee 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
$594,990 runs 45% above the ST CLOUD 34771 median — but at 2,886 sqft it's also 46% larger than the typical St Cloud listing.
02Strong assigned schools
Harmony Community School, Harmony High School, Narcoossee Middle School — Harmony Community School rates 4 of 5. Always verify assignments with the district.
03The price has already moved
Listed at $632,830, now $594,990 — a $38K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PULTE REALTY OF NORTH FLORIDA LLC · Adrienne Escott. MLS #O6433917.
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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