
2686 RIVER CREEK LANE, ST CLOUD, FL, 34771
Active0 days on marketListed Oct 16, 2026MLS #O6447665
About this home
2686 RIVER CREEK LANE
Experience exceptional resort-style living in the sought-after, GUARD-GATED 55+ COMMUNITY OF DEL WEBB SUNBRIDGE! Situated on a PREMIUM HOMESITE WITH A BEAUTIFUL WOODED CONSERVATION BACKDROP, this extensively upgraded 3-bedroom, 2.5-bath Prestige floor plan with an extended gathering room offers an impressive combination of privacy, luxury, and energy efficiency. The thoughtfully designed floor plan features an open great room with tray ceiling, spacious dining area, and beautifully appointed kitchen showcasing quartz countertops, abundant cabinetry, a large center island, gas cooktop, built-in appliances, and stylish finishes. The versatile flex space provides the perfect setting for a home office, workout room, or additional entertaining area, with custom-added sliding glass doors offering direct access to your own private outdoor retreat. This inviting space features a HEATED, IN-GROUND SPOOL WITH AN AIR BLOWER, offering the versatility of a refreshing pool or relaxing spa, surrounded by an expansive paver patio and screened enclosure overlooking the peaceful conservation setting. The outdoor living area also includes a lanai with a summer kitchen that conveys with the home, creating an ideal setting for entertaining. Whether enjoying your morning coffee, relaxing in the water, or entertaining friends, the natural surroundings create a truly special atmosphere. NEARLY $100,000 IN THOUGHTFULLY SELECTED POST-CONSTRUCTION ENHANCEMENTS elevate this home, offering an exceptional opportunity to enjoy substantial upgrades without the time and expense of completing them yourself. One of the home's most impressive features is the FULLY PAID-OFF TESLA SOLAR SYSTEM, including a TESLA POWERWALL 3 WHOLE-HOUSE BATTERY BACKUP, complemented by upgraded energy-efficient construction with foam-filled block walls and additional measures designed to improve efficiency. ELECTRIC BILLS HAVE AVERAGED JUST $23.73 PER MONTH OVER THE PAST 12 MONTHS. The inviting primary suite offers a relaxing retreat with a beautiful tray ceiling, spacious bathroom featuring dual vanities and an oversized walk-in shower, plus a generous walk-in closet with a convenient laundry chute door connecting directly to the spacious laundry room, featuring upper and lower cabinetry, ample countertop space, and a utility sink. A conveniently located half bath sits just outside the laundry room, providing easy access for guests. Located at the front of the home, the second bedroom features its own en suite bath, providing a comfortable and private retreat for visiting family or guests. The third bedroom features double doors and upgraded wall insulation for added sound reduction, making it an excellent option for a private home office. The home is also professionally prewired with six Ethernet and six coaxial cable connections throughout for enhanced connectivity. Just a short walk from the spectacular 27,000-SQUARE-FOOT HAMMOCK CLUB, residents enjoy a resort-style pool, heated spa, fitness center, pickleball and tennis courts, movement studio, on-site Tavern & Grille, social clubs, organized activities, and an active lifestyle calendar.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,253
Sqft
0.18 ac
Lot size
2022
Year built
One
Levels
$288
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.
$5,121 /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
$5,121/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
+3.4%
Days on market
0 vs 61 typical
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)
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 56% above the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
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
Kyler Lang
REALTOR · CENTURY 21 Edge
Tours, negotiation, and every question about 2686 RIVER CREEK LANE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2686 RIVER CREEK LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kyler's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2686 RIVER CREEK LANE FAQs
What would the monthly payment be for 2686 RIVER CREEK LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,121/mo — principal and interest, the actual property-tax bill, the $508/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 2686 RIVER CREEK LANE?+
The association fee works out to $508 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2686 RIVER CREEK LANE?+
The most recent tax bill on record (2025) was $8,489. 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 2686 RIVER CREEK 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 $649,000, this home is listed about 51% above the St Cloud median of $429,659. The market section on this page shows how the area is trending.
Which schools are assigned to 2686 RIVER CREEK LANE?+
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
Four things that matter here
01Positioned at the premium end
$649,000 runs 56% above the ST CLOUD 34771 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Know the monthly fee
The association fee is $508/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Fresh on the market
Listed today in a St Cloud market that averages 61 — if it fits, move quickly.
Listing courtesy of COLDWELL BANKER REALTY · Alex Vastardis. MLS #O6447665.
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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