CENTURY 21 Edge
$447,000$465,0004 bd2 ba2,092 sqft$214 /sqft$3,431 /mo all-in ↓

5106 APPENINE LOOP W, ST CLOUD, FL, 34771

Active167 days on marketListed Feb 4, 2026MLS #S5143048

Reduced $18KSingle Family ResidenceNARCOOSSEE VILLAGE PH 1

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

FlooringCarpet · Ceramic Tile
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Range Hood · Refrigerator · Washer
InteriorKitchen/Family Room Combo · Open Floorplan
LaundryInside
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock
FoundationSlab
FacesWest
ExteriorIrrigation System · Sidewalk

Community & fees

HOA fee$110/mo
Taxes (2025)$3,984/yr
PetsBreed Restrictions

Utilities & systems

UtilitiesElectricity Connected · Sewer Connected · Water Connected
WaterPublic

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%

Principal & interest$2,631
FHA mortgage insurance (est.)$198
Property tax — 2025 actual bill$332
HOA fee — from the listing$110
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $15,645Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $15,645
Interest rate6.00%
Loan term

Estimated payment

$3,431/mo

Principal & interest$2,631
FHA mortgage insurance (est.)$198
Property taxes (actual bill)$332
HOA / condo fee$110
Est. insurance$160

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.

List $447K
$407KedgeAI estimate $435,783 · range $423K$455K$473K

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

101
125 · this home
88
36
16
34
$155–191$191–227$227–263$263–299$299–335$335+

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

Map of 5106 APPENINE LOOP W

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

ElementaryLakeview Elementary School★★★★★
MiddleNarcoossee Middle School★★★★★
HighHarmony High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The St Cloud market

Seller’s marketBalanced6.2 months of inventoryBuyer’s 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

CurrentPrice reduced to $447,000 $18K
Feb 4, 2026Listed at $465,000 · 167 days on market since
2015Built · NARCOOSSEE VILLAGE PH 1

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.

5126 RAVENA AVENUE WSold · Sep ’25

$456,000

5126 RAVENA AVENUE W · same community

4 bd · 2 ba · 2,092 sqft · $218/sqft · 60 DOM

5133 APPENINE LOOP WSold · Nov ’25

$470,000

5133 APPENINE LOOP W · same community

4 bd · 3 ba · 2,272 sqft · $207/sqft · 31 DOM

5128 RAVENA AVENUE WSold · 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.

Yumiko Sugawara

Your agent

Yumiko Sugawara

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 5106 APPENINE LOOP W — start here.

Andrew Acosta

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.

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.

Never miss a listing

New St Cloud homes, in your inbox

Like 5106 APPENINE LOOP W 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 Yumiko to ping you on any price or status change →

CENTURY 21 Edge
© 2026 CENTURY 21® and the CENTURY 21 Logo are registered service marks owned by Century 21 Real Estate LLC. Sunseria Real Estate Group LLC d/b/a CENTURY 21 Edge fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each office is independently owned and operated. Any services or products provided by independently owned and operated franchisees are not provided by, affiliated with, or related to Century 21 Real Estate LLC nor any of its affiliated companies.

MLS® Disclaimers

Stellar MLS / MFRMLSCopyright © MFRMLS.com. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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. Information on this site was last updated July 21, 2026 at 1:42 PM UTC. The listing information on this page last changed on July 21, 2026 at 1:42 PM UTC. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of MFR MLS. Updated on July 21, 2026 at 1:42 PM UTC.

StellarMLS DMCA Notice: The Digital Millennium Copyright Act of 1998, 17 U.S.C. §512, the DMCA, provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com. The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owners behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.

Southeast Florida MLSCopyright Southeast Florida Multiple Listing Service © 2026. Accuracy of listing information is not guaranteed. Listing information is provided for personal consumer, non-commercial use, solely to identify potential properties for potential purchase. All other use is strictly prohibited, is a violation of the terms of use, and may violate federal and state law. Data Last Updated: July 21, 2026 at 1:42 PM UTC.

Space Coast AORThese listings are provided by the IDX Program of Brevard County, Florida. Real Estate listings held by brokerage firms other than CENTURY 21 Edge Central Florida are marked with the IDX Logo and detailed information about them includes the name of the listing brokers. 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. Information deemed reliable but not guaranteed.

Beaches MLSAll information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer''s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.