5813 MILLHOUSE WAY, ST CLOUD, FL, 34771
Active148 days on marketListed Jun 12, 2026MLS #OM726345
About this home
5813 MILLHOUSE WAY
SHOWS LIKE A MODEL HOME + $2,500 SELLER CREDIT toward Buyer's Closing Costs with acceptable terms! This Beautifully Maintained 3-Bedroom, 2.5-Bath Newer Townhome with Loft is located in desirable Crossings Subdivision Phase 1 in St. Cloud and is truly move-in ready. The stylish kitchen features Cambria Quartz Countertops, Tile Backsplash, Counter-Height Island, Stainless Steel Appliances, undermount sink, Under-Cabinet Lighting, and Soft-Close Shaker Cabinetry. The Open-Concept Main Level offers a comfortable gathering area, dining space, and convenient 1/2 Bath Powder Room. Upstairs, the Spacious Primary Suite includes a Large Walk-In Closet, Dual Vanities, Tiled Shower, and Private Water Closet. Two Additional Guest Bedrooms with Walk-In Closets, a Full Bath, Loft, and Laundry Room complete the second floor. Washer and Dryer will stay with the home make it more convenient for the buyer. Enjoy a Rear-Entry 2-Car Garage plus Low-Maintenance Living with HOA-provided Lawn Care and Irrigation. SELECT FURNITURE may also be NEGOTIABLE, creating an opportunity for an Easy Move-In Experience. Conveniently located near shopping, dining, and major roadways. Schedule Your Private Showing today!
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,767
Sqft
0.06 ac
Lot size
2
Garage
2024
Year built
Two
Levels
$189
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.
$3,163 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$3,163/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
−1.1%
$/sqft vs St Cloud actives
$189 vs $210
Days on market
148 vs 53 typical
Where $189/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
35,257
Median age
39.5
Median income
$97,415
Median home value
$454,400
Avg household
3.05
Households w/ children
4,899
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
$411K → $385K
St Cloud median sold, yr/yr
98.6%
Sale-to-list ratio (12 mo)
206 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 18% below the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 5813 MILLHOUSE WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’26$352,000
390 WINDY WILLOW WAY · same community
3 bd · 2.5 ba · 1,955 sqft · $180/sqft · 35 DOM
Sold · Nov ’25$440,990
5720 HAYSTACK DRIVE
3 bd · 2 ba · 1,709 sqft · $258/sqft · 77 DOM
Sold · Feb ’26$500,000
876 ARBOR GREEN TRAIL
3 bd · 2 ba · 1,886 sqft · $265/sqft · 147 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
Nicholas Giaccone
Director of Agent Success · CENTURY 21 Edge
Tours, negotiation, and every question about 5813 MILLHOUSE WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5813 MILLHOUSE WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from Nicholas's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5813 MILLHOUSE WAY FAQs
What would the monthly payment be for 5813 MILLHOUSE WAY?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $3,163/mo — principal and interest, the actual property-tax bill, the $90/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 5813 MILLHOUSE WAY?+
The association fee works out to $90 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5813 MILLHOUSE WAY?+
The most recent tax bill on record (2025) was $5,676. 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 5813 MILLHOUSE 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 $333,900, this home is listed about 21% below the St Cloud median of $422,990. The market section on this page shows how the area is trending.
Which schools are assigned to 5813 MILLHOUSE WAY?+
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
01Under the ST CLOUD 34771 market on paper
$333,900 is 18% below the ST CLOUD 34771 median of $404,995, and at $189/sqft it sits under the St Cloud average of $228.
02Pool views
The pool view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
148 days on market against a St Cloud median of 53 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $345,000, now $333,900 — a $11K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REAL BROKER, LLC · Nina Sandoval. MLS #OM726345.
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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