
5106 APPENINE LOOP W, ST CLOUD, FL, 34771
Active167 days on marketListed Feb 4, 2026MLS #S5143048
About this home
5106 APPENINE LOOP W
One or more photo(s) has been virtually staged. Single-story home • Great price opportunity • Corner lot • Located in Saint Cloud 34771 near Lake Nona • 4 bedrooms • 2 bathrooms • Flex room • Open-concept layout • Oversized backyard • Community lake, walking trails, pool, and playground • 2 minutes from Narcoossee Road • Easy access to Lake Nona Medical City and Orlando International Airport This well-maintained single-story home in Saint Cloud 34771 is located on a desirable corner lot, offering extra outdoor space, added privacy, and strong curb appeal. Competitively priced within the current Saint Cloud market, the property presents an excellent opportunity for buyers looking for value in a rapidly growing area of Central Florida. The home features 4 bedrooms, 2 full bathrooms, and a versatile flex room, providing flexible living space ideal for a home office, study, media room, gym, or playroom. The open-concept floor plan connects the kitchen, dining, and main living areas, creating a bright and spacious environment designed for both everyday living and entertaining. The kitchen overlooks the main living area, offering convenient sightlines and functional flow throughout the home. The primary suite is positioned for privacy and includes an en-suite bathroom and closet space. Three additional bedrooms provide comfortable accommodations for family members, guests, or workspace needs. One of the most attractive features of this property is the oversized backyard, enhanced by the corner lot positioning. The large outdoor space offers excellent potential for outdoor living, entertaining, gardening, or future customization (subject to HOA guidelines). Additional highlights include an attached garage, practical storage areas, and a convenient single-level layout designed for accessibility and comfort. Residents enjoy community amenities including a community lake, walking trails, pool, playground, and green spaces, supporting an active lifestyle within the neighborhood. The home is just 2 minutes from Narcoossee Road, providing quick access to Lake Nona Medical City, Orlando International Airport (MCO), SR-417, and major employment corridors. Shopping centers, grocery stores, restaurants, schools, and parks are all located within a short driving distance. When using our preferred lender, buyers may receive a 1% lender credit based on the loan amount, which can be applied toward closing costs or interest rate buy-downs. Buyer to verify all measurements, square footage, room dimensions, HOA information, community amenities, zoning regulations, school assignments, and any applicable use restrictions.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,092
Sqft
0.17 ac
Lot size
2
Garage
2015
Year built
One
Levels
$214
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.
$3,431 /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
$3,431/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
+2.6%
$/sqft vs St Cloud actives
$214 vs $220
Days on market
167 vs 33 typical
Where $214/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
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)
191 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 5% 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 5106 APPENINE LOOP W
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$456,000
5126 RAVENA AVENUE W · same community
4 bd · 2 ba · 2,092 sqft · $218/sqft · 60 DOM
Sold · Nov ’25$470,000
5133 APPENINE LOOP W · same community
4 bd · 3 ba · 2,272 sqft · $207/sqft · 31 DOM
Sold · Mar ’26$480,000
5128 RAVENA AVENUE W · same community
3 bd · 3 ba · 2,584 sqft · $186/sqft · 111 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
Yumiko Sugawara
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 5106 APPENINE LOOP W — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5106 APPENINE LOOP W — before you fall in love.
See it in person
Schedule a tour
Live availability from Yumiko's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5106 APPENINE LOOP W FAQs
What would the monthly payment be for 5106 APPENINE LOOP W?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,431/mo — principal and interest, the actual property-tax bill, the $110/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 5106 APPENINE LOOP W?+
The association fee works out to $110 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5106 APPENINE LOOP W?+
The most recent tax bill on record (2025) was $3,984. 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 5106 APPENINE LOOP W?+
The listing reports pets: Breed Restrictions. 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 $447,000, this home is listed about 5% above the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 5106 APPENINE LOOP W?+
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.
Keep looking
Similar homes nearby
Listing courtesy of LA ROSA REALTY KISSIMMEE · Maria Fernan Castro, PA. MLS #S5143048.
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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