5406 PINE LILLY DR, ST CLOUD, FL, 34771
Active34 days on marketListed Jun 18, 2026MLS #S5151230
About this home
5406 PINE LILLY DR
AFFORDABILITY!! 10 MINS TO THE LAKE NONA LIFESTYLE, AT HALF THE PRICE! WHY WAIT MONTHS FOR NEW CONSTRUCTION? This move-in-ready home already includes the upgrades buyers want most — luxury vinyl plank flooring, custom remote-controlled Zebra shades, a whole-house water softener, stainless steel kitchen appliances and a fully fenced private backyard with no rear neighbors, Wooded Lot behind, Vinyl Fence for Privacy & Furry Friends & all located one Floor - NO STAIRS! Welcome home to this beautifully maintained **Single Story 4-bedroom, 2-bathroom DR Horton "Cali" floorplan** in the desirable Glenwood community of St. Cloud! Built in 2022 and offering 1,830 square feet of living space, this move-in ready home combines modern style, comfort, and an UNBEATABLE LOCATION! Discover an open-concept layout featuring soaring ceilings & ceramic tile flooring throughout the main living area. The chef-inspired kitchen showcases stainless steel appliances, a huge center island with seating, ample cabinetry, and a dining area that flows seamlessly into the living space. The Primary Bedroom has an en-suite bathroom with a Full Walk-In Closet, plus another separate closet! Double sinks with granite in the bathroom. The owners have thoughtfully upgraded the home with **luxury vinyl plank flooring in all bedrooms**, eliminating builder-grade carpeting, as well as **remote-controlled Zebra dual shades on every window** for style and convenience. A whole-house water softener system adds even more value and comfort. Enjoy Florida living at its best in the ** fully fenced backyard featuring a 6-foot vinyl privacy fence and no rear neighbors **, with peaceful wooded views behind the property. Relax on the covered lanai & Bring your FURRY FRIENDS! Residents of Glenwood enjoy access to a beautiful community swimming pool to cool down. No CDD Fee, and Low HOA fees, plus bring your furry companions since the community is Pet Friendly! Florida has NO State Income Tax! PRIME LOCATION!: Perfectly positioned between St. Cloud and Lake Nona, this home is just 9 minutes from the Orlando VA Medical Center and minutes from the acclaimed Lake Nona Medical City, home to the UCF College of Medicine, Nemours Children's Hospital, Sanford Burnham Prebys Medical Discovery Institute, and the University of Florida Research Center. Recreation opportunities abound with nearby East Lake Tohopekaliga (Lake Toho) offering outstanding boating and fishing, while the USTA National Campus provides world-class tennis facilities just a short drive away, & the new LAKE NONA WEST Shoppping Plaza. Enjoy convenient access to Orlando International Airport, major highways, Disney Theme Park attractions, shopping, dining, and entertainment. An added benefit is the home's location in St. Cloud within Osceola County, where Property Tax Rates are generally much lower than those in neighboring Orange County communities, including Lake Nona. ** Better than new and packed with thousands in post-closing upgrades, this beautifully maintained home offers exceptional value, privacy, and convenience in one of St. Cloud's fastest-growing locations. Call this one HOME! Make an appointment NOW!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,830
Sqft
0.12 ac
Lot size
2
Garage
2022
Year built
One
Levels
$230
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.
$3,287 /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
$3,287/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
+2.1%
Days on market
34 vs 33 typical
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)
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1% below the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
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
Angela Rodriguez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 5406 PINE LILLY DR — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5406 PINE LILLY DR — before you fall in love.
See it in person
Schedule a tour
Live availability from Angela's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5406 PINE LILLY DR FAQs
What would the monthly payment be for 5406 PINE LILLY DR?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,287/mo — principal and interest, the actual property-tax bill, the $92/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 5406 PINE LILLY DR?+
The association fee works out to $92 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5406 PINE LILLY DR?+
The most recent tax bill on record (2025) was $4,518. 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 5406 PINE LILLY DR?+
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 $419,990, this home is listed about 1% 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 5406 PINE LILLY DR?+
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 SHOWPLACE REALTY, INC. · Christine Johnson. MLS #S5151230.
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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