5291 MEREDREW LANE, ST CLOUD, FL, 34771
Active58 days on marketListed Sep 10, 2026MLS #TB8547461
About this home
5291 MEREDREW LANE
FHA LOAN ASSUMPTION OPPORTUNITY! Seller's existing FHA mortgage has a 5.99 percent interest rate and may be assumable by a qualified buyer, subject to lender approval and FHA requirements. Ask your agent for additional details about this potential financing option. Built in 2023, this beautifully maintained 4-bedroom, 3-bath home in the Silver Springs community offers 2,634 square feet of living space with plenty of room for everyday living, entertaining and working from home. The main floor includes a private bedroom and full bath, along with a separate flex room that works well as a home office, den or additional living space. The open-concept kitchen features quartz countertops, ample cabinetry, subway tile backsplash, stainless steel appliances, a large center island with seating and a walk-in pantry. The kitchen overlooks the dining area and great room, creating one large gathering space with access to the screened rear patio and fenced backyard. Upstairs, the primary bedroom includes a private bath with dual sinks, a walk-in shower, private water closet and large walk-in closet. Two additional bedrooms, another full bath, laundry room and spacious loft complete the second floor. Additional features include tile flooring throughout the main living areas, a 2-car garage and paver driveway. Built by Meritage Homes, this energy-efficient home combines newer construction, generous square footage and a versatile layout with useful living spaces on both levels. With four bedrooms, three full baths, a main-floor bedroom, flex room, upstairs loft and the potential opportunity to assume the seller's FHA mortgage at a 5.99 percent interest rate, this home has plenty to consider. Schedule your private showing today and experience the space and versatile layout in person.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,634
Sqft
0.14 ac
Lot size
2
Garage
2023
Year built
Two
Levels
$184
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.
$4,310 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$4,310/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
+12.5%
$/sqft vs St Cloud actives
$184 vs $211
Days on market
58 vs 53 typical
Where $184/sqft sits among the 400 St Cloud actives
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
35,257
Median age
39.5
Median income
$97,415
Median home value
$454,400
Avg household
3.05
Households w/ children
4,899
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
$411K → $385K
St Cloud median sold, yr/yr
98.6%
Sale-to-list ratio (12 mo)
206 of 400
St Cloud actives have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 20% above the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 5291 MEREDREW LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’26$375,000
5288 STEPHS FIELD STREET · same community
4 bd · 2.5 ba · 2,170 sqft · $173/sqft · 26 DOM
Sold · Dec ’25$210,000
15 JUNIPER TRAIL CIRCLE · same community
3 bd · 2 ba · 1,014 sqft · $207/sqft · 7 DOM
Sold · Dec ’25$530,000
5241 QUILLBACK LANE
4 bd · 3.5 ba · 2,600 sqft · $204/sqft · 114 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
Bridget McLennon
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 5291 MEREDREW LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5291 MEREDREW LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Bridget's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5291 MEREDREW LANE FAQs
What would the monthly payment be for 5291 MEREDREW LANE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $4,310/mo — principal and interest, the actual property-tax bill, the $112/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 5291 MEREDREW LANE?+
The association fee works out to $112 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5291 MEREDREW LANE?+
The most recent tax bill on record (2025) was $5,930. 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 5291 MEREDREW 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 $484,900, this home is listed about 15% above the St Cloud median of $422,990. The market section on this page shows how the area is trending.
Which schools are assigned to 5291 MEREDREW LANE?+
Narcoossee 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.
Keep looking
Similar homes nearby
Listing courtesy of EPIQUE REALTY INC.. MLS #TB8547461.
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.
Never miss a listing
New St Cloud homes, in your inbox
Like 5291 MEREDREW LANE but not quite? A daily digest of every new listing in St Cloud — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Bridget to ping you on any price or status change →