5160 APPENINE LOOP E, ST CLOUD, FL, 34771
Active0 days on marketListed Jul 22, 2026MLS #S5153674
About this home
5160 APPENINE LOOP E
YOU MUST VISIT THIS BEAUTIFUL HOME, NO CARPET! LAMINATE FLOORS THROUGHOUT. FENCED. Amazing 3/2 home ready to move in, located near Narcosee only 10 mins away from Lake Nona. Newly painted inside and outside, . Spatious open floor plan. As soon as you enter this 1,759 square foot home, you are greeted with cathedral ceilings and warmth from natural sunlight pouring throughout the space. The open floor plan allows the kitchen to overlook both the living and dining areas. The kitchen features granite countertops, breakfast bar, set in sink, stainless steel appliances, pantry, and espresso cabinets topped with crown molding. The split floor plan allows ample privacy for the Master Bedroom and Bathroom. The ensuite features double vanity sink, soaking tub, and walk-in shower. The additional bathroom is shared between the two additional bedrooms. Sliding doors allow convenient access to the covered, brick patio and spacious fenced in backyard, making this the perfect space to host family and friends all year long. Appenine is located in Narcoossee Village giving you access to all its amenities, including the community pool and playground. This home is closely located to Orlando International Airport, Lake Nona’s booming town center, Tavistock’s popular restaurants, Boxi Park, The Wave Hotel and its popular restaurants, Bacon, Haven, Nami, shopping amenities, and more!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,759
Sqft
0.13 ac
Lot size
2
Garage
2016
Year built
One
Levels
$227
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.
$3,276 /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
$3,276/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
+4.7%
Days on market
0 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 6% 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
Shawn Headley
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 5160 APPENINE LOOP E — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5160 APPENINE LOOP E — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5160 APPENINE LOOP E FAQs
What would the monthly payment be for 5160 APPENINE LOOP E?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,276/mo — principal and interest, the actual property-tax bill, the $150/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 5160 APPENINE LOOP E?+
The association fee works out to $150 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5160 APPENINE LOOP E?+
The most recent tax bill on record (2025) was $5,214. 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 5160 APPENINE LOOP E?+
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 $400,000, this home is listed about 6% 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 5160 APPENINE LOOP E?+
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 LLC · Angela Camacho. MLS #S5153674.
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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