CENTURY 21 Edge
$589,0004 bd3.5 ba3,063 sqft$192 /sqft$4,261 /mo all-in ↓

5416 CARRARA COURT, ST CLOUD, FL, 34771

Active1 days on marketListed Aug 18, 2026MLS #S5155863

Single Family ResidenceSUNSET GRVS PH 2

About this home

5416 CARRARA COURT

Picture yourself pulling up to a Mediterranean-style home where architectural detail and curb appeal set the tone before you even step inside. From the moment you walk through the front door, the upgraded wood-look porcelain tile floors stretch across the entire first floor. The chef's kitchen is spacious and open with stainless-steel appliances, an oversized walk-in pantry that keeps everything organized and within reach, and counter space that invites you to spread out. The open layout keeps the kitchen connected to the living area, no walls between the conversation and the cooking. In the living room, a custom electric fireplace anchors the space with a warm, modern glow. Three panel sliding glass doors span the wall and fold open completely, erasing the line between inside and outside. Step out onto the extended screened-in lanai and the backyard opens up around you a generous, private outdoor space built for Florida living at its fullest. Whether it's a weekend gathering, a quiet morning with coffee, or an evening with friends, this outdoor area delivers the kind of privacy and space that is increasingly hard to find. The screen enclosure keeps it comfortable year-round while the mature backyard creates a natural sense of the outside world. Back inside and up the staircase, every inch of it has been recently upgraded with wood flooring that continues across the entire second floor, no more carpet. This second floor opens up into a large loft area that serves as a true flex space. Use it as a game room, a home office, a media room, or a fitness space. Two bedrooms on the second floor share a thoughtfully designed jack-and-jill bathroom, each bedroom with its own private entry to the shared bath. The primary suite is its own retreat: spacious, quiet, and anchored by a walk-in shower finished floor-to-ceiling in designer tile that feels more like a boutique hotel. This property runs entirely on fully paid-off solar panels: no lease, no monthly solar payment, no transfer of debt to the buyer. The system is yours from day one, and so are the savings. Electricity costs in Florida are among the highest in the country; this home eliminates that variable almost entirely. The second detail: The in-law suite on the first floor was transformed to a private accessory dwelling unit with its own independent entrance, a fully self-contained space with a bedroom, full bathroom, kitchenette and laundry completely separated from the main living area. This unit is currently occupied until August 31st at $1,200/month. This unit generates a passive income stream that directly offsets your monthly mortgage or terminated at any time should you prefer to use the space personally. The flexibility here is real: accommodate an adult family member, a relative visiting long-term, or simply reclaim it as a private guest suite. The choice is yours and so is the $1,200 a month if you want it. This is a 4 bedroom /3.5 bathroom home with 3,063 sqft of living space and 3 car garage that functions simultaneously as a primary residence and an income-producing asset, all in one of the most desired areas to live in Central Florida. Located south of Lake Nona, minutes from Sunbridge, Medical City, Lake Toho, Orlando International Airport & SR-417. Schedule your private showing today! Opportunities with paid solar, passive income, low HOA & this level of finish do not stay available long. This beauty can be your new HOME!

Facts & features

The home at a glance

4

Bedrooms

3.5

Bathrooms

3,063

Sqft

0.17 ac

Lot size

3

Garage

2019

Year built

Two

Levels

$192

Per sqft

FireplacePets allowed

Inside

FlooringCeramic Tile · Porcelain Tile · Hardwood
AppliancesDishwasher · Disposal · Electric Water Heater · Microwave · Range · Refrigerator
InteriorCathedral Ceiling(s) · Ceiling Fan(s) · High Ceilings · In Wall Pest System · Living Room/Dining Room Combo · PrimaryBedroom Upstairs · Vaulted Ceiling(s) · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock
FoundationSlab
FacesWest
ExteriorLighting · Sliding Doors

Community & fees

HOA fee$103/mo
Taxes (2025)$7,192/yr
PetsYes
CommunityCommunity Mailbox · Deed Restrictions · Pool

Utilities & systems

UtilitiesCable Available · Electricity Connected · Public · Solar · Street Lights
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.

$4,261 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,178
PMI (est., until 20% equity)$221
Property tax — 2025 actual bill$599
HOA fee — from the listing$103
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $58,900Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

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

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $58,900
Interest rate6.00%
Loan term

Estimated payment

$4,261/mo

Principal & interest$3,178
PMI (est., until 20% equity)$221
Property taxes (actual bill)$599
HOA / condo fee$103
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. 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 $589K
$435KedgeAI estimate $509,091 · range $453K$543K$613K

vs edgeAI estimate

+15.7%

Days on market

1 vs 47 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

Map of 5416 CARRARA COURT

Drive times from this address

Orlando Int’l Airport (MCO)33 min
Downtown Orlando38 min
Walt Disney World43 min
Universal Orlando44 min

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

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 marketLeans seller4.6 months of inventoryBuyer’s market

$412K$392K

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 39% above the ST CLOUD 34771 median. See the full St Cloud market guide →

Paper trail

This home's history

Aug 18, 2026Listed at $589,000 · 1 days on market since
2019Built · SUNSET GRVS PH 2

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.

Tommy Trainer

Your agent

Tommy Trainer

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 5416 CARRARA COURT — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 5416 CARRARA COURT — before you fall in love.

See it in person

Schedule a tour

Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

5416 CARRARA COURT FAQs

What would the monthly payment be for 5416 CARRARA COURT?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,261/mo — principal and interest, the actual property-tax bill, the $103/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 5416 CARRARA COURT?+

The association fee works out to $103 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 5416 CARRARA COURT?+

The most recent tax bill on record (2025) was $7,192. 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 5416 CARRARA COURT?+

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 $589,000, this home is listed about 37% above the St Cloud median of $429,250. The market section on this page shows how the area is trending.

Which schools are assigned to 5416 CARRARA COURT?+

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 EXP REALTY LLC · Angie Amate. MLS #S5155863.

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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