5005 SPIRAL WAY, ST CLOUD, FL, 34771
Active147 days on marketListed Feb 28, 2026MLS #O6384011
About this home
5005 SPIRAL WAY
A WATERFRONT PARADISE WITH UNMATCHED FREEDOM – NO HOA! 5005 Spiral Way offers a unique lifestyle for those seeking peace, nature, and adventure. This exceptional property features its own PRIVATE DOCK, providing direct access to a magnificent THREE-LAKE CHAIN. Imagine the luxury of launching your boat, jet skis, or kayak directly from your backyard for a day of fishing or a sunset cruise. Strategic Connectivity to Florida’s Best: 12 miles to Lake Nona Medical City and its world-class innovation. 19 miles to Orlando International Airport (MCO). 50 miles to Kennedy Space Center and the Atlantic beaches. Just minutes away from the upcoming Premier Surfing Park, plus quick access to Disney and Universal Studios. With NO HOA restrictions, you have the rare freedom to enjoy your land exactly as you wish. Whether you are looking for a quiet sanctuary surrounded by nature or a central hub close to Florida's top tech and entertainment destinations, this home is a rare find. Experience the best of waterfront living—Schedule your private tour today!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,404
Sqft
0.67 ac
Lot size
2000
Year built
One
Levels
$321
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 — not generic estimates.
$3,161 /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
$3,161/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.
$/sqft vs NARCOOSSEE NEW MAP OF
$321 vs $400
Days on market
147 vs 33 typical
Where $321/sqft sits among the 6 homes for sale in NARCOOSSEE NEW MAP OF
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)
3 of 6
NARCOOSSEE NEW MAP OF have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 6% 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 5005 SPIRAL WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$1,185,000
5237 MOORE STREET · same community
2 bd · 2 ba · 1,467 sqft · $808/sqft · 64 DOM
Sold · Jun ’26$235,000
5715 JONES ROAD · same community
4 bd · 2 ba · 1,152 sqft · $204/sqft · 9 DOM
Sold · Feb ’26$235,000
5051 MAPLETREE LANE · same community
3 bd · 2 ba · 1,150 sqft · $204/sqft · 25 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 5005 SPIRAL WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5005 SPIRAL WAY — 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
5005 SPIRAL WAY FAQs
What would the monthly payment be for 5005 SPIRAL WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,161/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 5005 SPIRAL WAY?+
The most recent tax bill on record (2025) was $1,836. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in St Cloud?+
At $450,000, this home is listed about 6% 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 5005 SPIRAL WAY?+
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.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Felix Morales Rosado. MLS #O6384011.
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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