2733 SOUTHLAND STREET, ST CLOUD, FL, 34772
Active84 days on marketListed Jul 18, 2026MLS #S5153924
About this home
2733 SOUTHLAND STREET
**QUALIFIED BUYERS MAY BE ELIGIBLE TO ASSUME THE SELLER'S VA MORTGAGE WITH AN INCREDIBLY LOW 2.625% INTEREST RATE!** This is a rare opportunity to potentially enjoy significant monthly savings compared to today's mortgage rates, subject to lender approval and VA loan assumption requirements. Welcome to Del Webb Twin Lakes, a sought-after gated 55+ community in St. Cloud offering resort-style amenities and low-maintenance Florida living. Built in 2020, this beautifully upgraded home features 3 bedrooms, 3 full bathrooms, over 2,365 square feet of thoughtfully designed living space, and exceptional attention to detail throughout. An oversized covered front porch welcomes you into a bright, open-concept floor plan featuring elegant crown molding, porcelain tile flooring in the main living areas, upgraded lighting, and spacious gathering areas designed for everyday comfort and entertaining. The versatile layout includes a private guest suite with its own en-suite bathroom, a third bedroom, an additional full bathroom, and a generous flex room ideal for a home office, den, or hobby space. The gourmet kitchen is a true centerpiece, showcasing stainless steel appliances, stone countertops, custom tile backsplash, built-in oven and microwave, premium vent hood, induction cooktop, abundant cabinetry, and a spacious island. A beautifully designed butler's pantry with custom shelving provides additional storage and the perfect space for a coffee bar or wine station. The adjoining dining and great room areas create an inviting atmosphere for gatherings. Retreat to the spacious primary suite featuring an elegant tray ceiling, ceiling fan, custom California Closets walk-in closet, and a beautifully appointed en-suite bathroom. Additional upgrades include custom interior finishes, recessed lighting, and an epoxy-coated two-car garage floor. Impressive quadruple sliding glass doors open to an expansive screened lanai, seamlessly connecting indoor and outdoor living. Whether relaxing with your morning coffee or entertaining friends, this inviting space is perfect for enjoying Florida's beautiful weather year-round. Residents of Del Webb Twin Lakes enjoy an active 55+ lifestyle with resort-style amenities, recreational activities, and beautifully maintained community surroundings. Conveniently located near shopping, dining, medical facilities, and major roadways, this home offers an exceptional combination of comfort, convenience, and community living. **DON'T MISS THIS OPPORTUNITY TO OWN A BEAUTIFULLY UPGRADED HOME WITH A POTENTIALLY ASSUMABLE 2.625% VA MORTGAGE!** Schedule your private showing today!
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,365
Sqft
0.15 ac
Lot size
2
Garage
2020
Year built
One
Levels
$222
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.
$4,437 /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
$4,437/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
+11.8%
$/sqft vs TWIN LAKES PH 2A-2B
$222 vs $221
Days on market
84 vs 65 typical
Where $222/sqft sits among the 13 homes for sale in TWIN LAKES PH 2A-2B
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 34772 — neighborhood snapshot
Population
33,542
Median age
39.9
Median income
$86,900
Median home value
$352,400
Avg household
3.05
Households w/ children
4,027
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
$412K → $399K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
5 of 13
TWIN LAKES PH 2A-2B have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 32% above the ST CLOUD 34772 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 2733 SOUTHLAND STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$430,000
5081 TWIN LAKES BOULEVARD · same community
3 bd · 2.5 ba · 2,208 sqft · $195/sqft · 238 DOM
Sold · Nov ’25$511,000
2780 SOUTHLAND STREET · same community
3 bd · 2.5 ba · 2,208 sqft · $231/sqft · 64 DOM
Sold · Feb ’26$415,000
2712 SOUTHLAND STREET · same community
3 bd · 2 ba · 1,863 sqft · $223/sqft · 69 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
Iain Robinson
Broker Associate · CENTURY 21 Edge
Tours, negotiation, and every question about 2733 SOUTHLAND STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2733 SOUTHLAND STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Iain's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2733 SOUTHLAND STREET FAQs
What would the monthly payment be for 2733 SOUTHLAND STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,437/mo — principal and interest, the actual property-tax bill, the $310/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 2733 SOUTHLAND STREET?+
The association fee works out to $310 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2733 SOUTHLAND STREET?+
The most recent tax bill on record (2025) was $7,727. 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 2733 SOUTHLAND STREET?+
The listing reports pets: Number Limit, 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 $525,000, this home is listed about 22% above the St Cloud median of $429,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2733 SOUTHLAND STREET?+
Neptune Elementary School (elementary), St. Cloud High School (high), Neptune Middle School (middle) — Osceola County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of JASON MITCHELL REAL ESTATE FLO · David Hartigan. MLS #S5153924.
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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