1619 REFLECTION COVE, ST CLOUD, FL, 34771
Active207 days on marketListed Dec 28, 2025MLS #S5140713
About this home
1619 REFLECTION COVE
Short Sale. Short Sale APPROVED. Spacious 3-bedroom, 2.5-bath townhome located in the highly sought-after Turtle Creek community of St. Cloud. This well-maintained two-story residence offers 1,852 sq ft of living space and includes a versatile first-floor flex room, ideal for a 4th bedroom, home office, or den. Built in 2016, the home features fresh interior paint, Berber carpet throughout, and ceramic tile in all wet areas. The kitchen and bathrooms are finished with solid surface countertops. The spacious primary suite offers a tray ceiling, walk-in closet, dual sinks, and a walk-in shower. Enjoy outdoor living in the screened-in patio, along with the convenience of a 1-car garage and an extended driveway accommodating two additional vehicles. Ideally situated near the community pool, playground, walking trails, and featuring serene pond views from the second floor, this property is well-suited for families or investors.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,852
Sqft
0.07 ac
Lot size
1
Garage
2016
Year built
Two
Levels
$148
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.
$2,620 /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
$2,620/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
−20.4%
$/sqft vs St Cloud actives
$148 vs $221
Days on market
207 vs 33 typical
Where $148/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
$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 36% 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 1619 REFLECTION COVE
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$560,000
14903 BARBY AVENUE · same community
4 bd · 2.5 ba · 2,193 sqft · $255/sqft · 29 DOM
Sold · Nov ’25$1,332,000
196 SE Turtle Creek Drive, Jupiter FL 33469 · same community
4 bd · 3 ba · 2,223 sqft · $599/sqft · 26 DOM
Sold · Dec ’25$805,000
10555 SE Terrapin Place # F206, Jupiter FL 33469 · same community
3 bd · 3 ba · 2,368 sqft · $340/sqft · 18 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
German Parra Tovar
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1619 REFLECTION COVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1619 REFLECTION COVE — before you fall in love.
See it in person
Schedule a tour
Live availability from German's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1619 REFLECTION COVE FAQs
What would the monthly payment be for 1619 REFLECTION COVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,620/mo — principal and interest, the actual property-tax bill, the $291/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 1619 REFLECTION COVE?+
The association fee works out to $291 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1619 REFLECTION COVE?+
The most recent tax bill on record (2024) was $5,151. 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 1619 REFLECTION COVE?+
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 $274,900, this home is listed about 35% 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 1619 REFLECTION COVE?+
Lakeview 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
$274,900 is 36% below the ST CLOUD 34771 median of $427,000, and at $148/sqft it sits under the St Cloud average of $236.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
207 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $300,000, now $274,900 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS LEGACY REALTY · Cleo Cabrera. MLS #S5140713.
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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