1722 REFLECTION LANE, ST CLOUD, FL, 34771
Active266 days on marketListed Oct 30, 2025MLS #TB8441968
About this home
1722 REFLECTION LANE
PRICE IMPROVEMENT!!!Welcome to 1722 Reflection Lane, a beautifully maintained 4-bedroom, 2-bath single-family home located in the heart of St. Cloud, FL. This move-in-ready property combines modern comfort, energy efficiency, and a highly desirable location just minutes from Lakefront Park and Historic Downtown St. Cloud. Step inside to an open and inviting floor plan featuring a spacious living area filled with natural light. The kitchen is a standout, offering granite countertops, modern appliances, and ample cabinetry — perfect for cooking and entertaining. The primary suite includes a private en-suite bath and generous closet space, while the additional bedrooms are flexible for family, guests, or a home office. Enjoy Florida living at its best in the fully fenced 6-foot backyard, ideal for outdoor gatherings, pets, and play. Energy-efficient solar panels provide long-term savings and sustainability. This home has been well cared for and is conveniently located near top-rated schools, parks, dining, and shopping. Outdoor enthusiasts will love being close to East Lake Tohopekaliga, Peghorn Nature Park, — perfect for walking trails, fishing, and sunset views. Motivated seller-Well-maintained and move-in ready.Don’t miss this opportunity to own a beautiful, energy-smart home in a prime St. Cloud location!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,028
Sqft
0.14 ac
Lot size
2
Garage
2018
Year built
One
Levels
$202
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.
$3,167 /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
$3,167/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
−0.4%
Days on market
266 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 4% 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
Nicholas Giaccone
Director of Agent Success · CENTURY 21 Edge
Tours, negotiation, and every question about 1722 REFLECTION LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1722 REFLECTION LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Nicholas's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1722 REFLECTION LANE FAQs
What would the monthly payment be for 1722 REFLECTION LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,167/mo — principal and interest, the actual property-tax bill, the $77/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 1722 REFLECTION LANE?+
The association fee works out to $77 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1722 REFLECTION LANE?+
The most recent tax bill on record (2024) was $4,017. 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 1722 REFLECTION LANE?+
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 $410,000, this home is listed about 4% 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 1722 REFLECTION LANE?+
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.
The brief
Three things that matter here
01Under the ST CLOUD 34771 market on paper
$410,000 is 4% below the ST CLOUD 34771 median of $427,000, and at $202/sqft it sits under the St Cloud average of $236.
02Time on market is leverage
266 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $449,900, now $410,000 — a $40K cut. The full history is in the market section below.
Listing courtesy of LPT REALTY, LLC · Keegan Siegfried. MLS #TB8441968.
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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