5028 COVEVIEW DRIVE, ST CLOUD, FL, 34771
Active7 days on marketListed Oct 3, 2026MLS #O6447140
About this home
5028 COVEVIEW DRIVE
WELCOME TO YOUR FLORIDA OASIS IN GATED LAKE POINTE AT TOHO! Say goodbye to sky-high electric bills and hello to endless summer fun! This spacious 4-bedroom, 3-bathroom POOL home features several significant, big-ticket updates, highlighted by a fully paid off **2022 SOLAR ROOF WITH TRANSFERRABLE WARRANTY**. Imagine keeping your cool all summer with power bills around just $250/month, and dropping to a jaw-dropping $50-$60/month in the winter! Step through the elegant double front doors and into a light-flooded floor plan built for living and entertaining. The formal living and dining spaces with sky-high ceilings flow seamlessly into an inviting and cozy open-concept kitchen and family room. The beautifully-appointed kitchen is the true heart of the home, featuring rich wood cabinetry with crown molding, Corian solid surface counters, a brand-new tile backsplash, stainless steel appliances and a pantry closet. Enjoy your morning coffee in the cozy breakfast nook while looking out over your private backyard resort. Slide open the glass doors to your **HUGE 2021 PEBBLE & TILE SALTWATER POOL!** Complete with a pool bubbler, sleek acrylic deck, full screen enclosure, and a covered patio, it’s the ultimate spot for weekend BBQs or peaceful evening swims. Downstairs, you'll also find a private bedroom and a full bathroom—perfect for visitors, multi-generational living, or a quiet home office. Head upstairs to find a massive bonus room/loft! With endless possibilities, it makes a fantastic home theater, game room, or play area. The generously sized Primary Suite is a private retreat, offering an en-suite bathroom with dual vanities, a separate glass-enclosed shower, soaking tub, and a roomy walk-in closet. Two additional upstairs bedrooms share a full bath, giving everyone in the crew plenty of space to spread out. **PREMIUM EXTRAS:** This home comes with fantastic additions, including an Aqua Clear whole-house water softener AND a Reverse Osmosis system connected to the kitchen sink and fridge! You'll also love the 3-car garage (complete with an **EV CHARGER!**), brick paver driveway, fresh interior paint in select areas, and mature landscaping with timed irrigation system. **THE COMMUNITY:** Nestled in the highly coveted, gated community of Lake Pointe at Toho, you get resort-style living with a **LOW HOA and NO CDD!** Residents enjoy a sparkling community pool, tot lots/playgrounds, tennis and pickleball courts, a basketball court, BBQ picnic areas, scenic walking paths, and fun seasonal events. Don't miss Sheldon Park's private community overlook, offering breathtaking sunset views over East Lake Toho! **UNBEATABLE LOCATION:** Bordering the booming Lake Nona area, you are just minutes from Medical City, Orlando International Airport (MCO), and less than a half-mile from highly rated Narcoossee schools. Publix is a quick 2-mile drive! Spend your weekends boating or walking the trails at nearby St. Cloud Lakefront Park. Plus, with easy access to the 417 and Florida Turnpike, the magic of Disney and Universal is just 40 minutes away, and you can have your toes in the sand at Cocoa Beach in about an hour! Schedule your private showing today and start enjoying the Florida lifestyle!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,759
Sqft
0.23 ac
Lot size
3
Garage
2006
Year built
Two
Levels
$201
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.
$4,161 /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
$4,161/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
−0.9%
$/sqft vs St Cloud actives
$201 vs $211
Days on market
7 vs 68 typical
Where $201/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)
224 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 34% 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 5028 COVEVIEW DRIVE
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$539,000
2512 BROSS DRIVE · same community
4 bd · 3 ba · 2,745 sqft · $196/sqft · 19 DOM
Sold · May ’26$600,000
2511 WATER VALLEY DRIVE · same community
4 bd · 3 ba · 2,534 sqft · $237/sqft · 7 DOM
Sold · Feb ’26$515,000
4934 OAKWAY DRIVE · same community
5 bd · 3 ba · 3,028 sqft · $170/sqft · 8 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 5028 COVEVIEW DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5028 COVEVIEW DRIVE — 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
5028 COVEVIEW DRIVE FAQs
What would the monthly payment be for 5028 COVEVIEW DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,161/mo — principal and interest, the actual property-tax bill, the $133/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 5028 COVEVIEW DRIVE?+
The association fee works out to $133 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5028 COVEVIEW DRIVE?+
The most recent tax bill on record (2025) was $4,261. 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 5028 COVEVIEW DRIVE?+
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 $555,000, this home is listed about 29% 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 5028 COVEVIEW DRIVE?+
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.
The brief
Three things that matter here
01Positioned at the premium end
$555,000 runs 34% above the ST CLOUD 34771 median — but at 2,759 sqft it's also 37% larger than the typical St Cloud listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Fresh on the market
Only 7 days on market in a St Cloud market that averages 68 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of GILKEY REAL ESTATE · Laura Romot. MLS #O6447140.
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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