5550 SABAL DRIVE, ST CLOUD, FL, 34771
Active410 days on marketListed Jun 7, 2025MLS #O6315097
About this home
5550 SABAL DRIVE
FORMER MODEL HOME! NEVER OCCUPIED - LIKE NEW? FEATURES HIGH-END BUILDER UPGRADES THROUGHOUT THE ENTIRE COMMUNITY. Model home upgrades are built in. The home is a stunning 4-bedroom, 3.5-bathroom, two-story beauty and is all about modern luxury and comfortable living. Stylish. A blend of form and function. Step inside, and you'll immediately feel the openness of the floor plan, filled with natural light flowing through spacious living areas. The heart of the home is the gourmet kitchen, complete with sleek countertops and high-end appliances. The garage has a Mini split HVAC unit and plenty of storage. The great room opens up with large sliding doors to a lovely lanai, where you can enjoy beautiful views of the peaceful community pond. You'll love the generously sized bedrooms, each with its own walk-in closet. The master suite is your personal retreat with his and her large standing shower featuring a spa-like bath to help you unwind and relax. While used as one of the community's original model homes, the home has been lovingly maintained in spotless condition. Don’t miss the chance to make this exceptional home your own—a place where contemporary style meets everyday convenience. Larger size the lot , Security camera and pre wired are there .Welcome to your dream home!
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
3,145
Sqft
0.13 ac
Lot size
2
Garage
2021
Year built
Two
Levels
$196
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.
$4,325 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,325/mo
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.
vs edgeAI estimate
+3.2%
$/sqft vs St Cloud actives
$196 vs $221
Days on market
410 vs 33 typical
Where $196/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
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)
193 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 44% 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 5550 SABAL DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$535,000
1539 WYNELL STREET · same community
4 bd · 3.5 ba · 3,021 sqft · $177/sqft · 70 DOM
Sold · Jan ’26$400,000
1580 WYNELL STREET · same community
4 bd · 2 ba · 2,103 sqft · $190/sqft · 648 DOM
Sold · Nov ’25$380,000
1544 WYNELL STREET · same community
3 bd · 2 ba · 1,754 sqft · $217/sqft · 10 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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 5550 SABAL DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5550 SABAL DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5550 SABAL DRIVE FAQs
What would the monthly payment be for 5550 SABAL DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,325/mo — principal and interest, the actual property-tax bill, the $99/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 5550 SABAL DRIVE?+
The association fee works out to $99 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5550 SABAL DRIVE?+
The most recent tax bill on record (2023) was $6,179. 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 5550 SABAL DRIVE?+
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 $615,250, this home is listed about 45% above the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 5550 SABAL DRIVE?+
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
Four things that matter here
01Positioned at the premium end
$615,250 runs 44% above the ST CLOUD 34771 median — but at 3,145 sqft it's also 59% larger than the typical St Cloud listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
410 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $628,999, now $615,250 — a $14K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of APPLE REALTY · Manoj Patel. MLS #O6315097.
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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