5040 SPANGLE DRIVE, ST CLOUD, FL, 34769
Active350 days on marketListed Aug 6, 2025MLS #S5132300
About this home
5040 SPANGLE DRIVE
Spectacular Tonwhome located at 5040 Spangle Drive, Saint Cloud, FL 34769 3 spacious bedrooms | 2.5 bathrooms | 1 covered garage with capacity for 2 vehicles The complex features a pool, parks, walking paths, a volleyball court, and a dock Prime location, close to supermarkets such as Publix, Walmart, pharmacies, banks, gas stations, schools, restaurants, shopping centers, and hospitals. Quick access to Highway 192, Florida's Turnpike, Neptune Road, and 20-25 minutes from the airport and Disney World Resort 1 month deposit and 1 month's rent
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,375
Sqft
0.04 ac
Lot size
2
Garage
2024
Year built
Two
Levels
$2
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$176 /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
$176/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
$/sqft vs St Cloud actives
$2 vs $221
Days on market
350 vs 33 typical
Where $2/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 Anthem Park
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Cloud. See the full St Cloud guide →
Anthem Park — neighborhood snapshot
Population
2,695
Median age
37
Median income
$82,667
Median home value
$246,500
Avg household
4
Households w/ children
224
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
$414K → $400K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
193 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 99% below the ST CLOUD 34769 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 5040 SPANGLE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$360,000
5121 QUAKERS PLACE · same community
3 bd · 2.5 ba · 1,550 sqft · $232/sqft · 0 DOM
Sold · Sep ’25$355,000
3623 TREE LINE WAY
3 bd · 2 ba · 1,318 sqft · $269/sqft · 26 DOM
Sold · Oct ’25$205,000
4703 LANCA LANE
2 bd · 2 ba · 1,296 sqft · $158/sqft · 36 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
Melinda Manges Iosua
Director, Agent Recruiting · CENTURY 21 Edge
Tours, negotiation, and every question about 5040 SPANGLE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5040 SPANGLE DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Melinda's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5040 SPANGLE DRIVE FAQs
What would the monthly payment be for 5040 SPANGLE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $176/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 5040 SPANGLE DRIVE?+
The listing reports pets: Cats OK, Dogs OK. 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 $2,200, this home is listed about 99% below the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 5040 SPANGLE DRIVE?+
Neptune Elementary School (elementary), Neptune Middle School (middle), St. Cloud 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
01Under the ST CLOUD 34769 market on paper
$2,200 is 99% below the ST CLOUD 34769 median of $274,900, and at $2/sqft it sits under the St Cloud average of $236.
02Time on market is leverage
350 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $2,250, now $2,200 — a $50 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of NAIM REAL ESTATE LLC · Jessika Perez. MLS #S5132300.
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.
Never miss a listing
New St Cloud homes, in your inbox
Like 5040 SPANGLE DRIVE but not quite? A daily digest of every new listing in St Cloud — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Melinda to ping you on any price or status change →