5038 DANCY LANE, ST CLOUD, FL, 34772
Active14 days on marketListed Jul 6, 2026MLS #O6422789
About this home
5038 DANCY LANE
Under Construction. Welcome to the Prosperity home, where convenience and luxury meet in perfect harmony. This stunning single-story home offers 2 spacious bedrooms, an enclosed flex room, and 2 beautifully appointed bathrooms. The heart of the home is the brand-new kitchen, showcasing elegant 42” soft-close cabinetry paired with quartz countertops. Enjoy the functionality and beauty of Whirlpool stainless steel appliances, including a refrigerator and a natural gas cooktop, all highlighted by a stainless-steel single-bowl sink, upgraded faucet, and pendant pre-wiring for that touch of sophistication. The open-concept design seamlessly flows into the gathering room, making this space perfect for both cooking and socializing. The spacious kitchen island is ideal for meal prep or casual dining, while the extended covered lanai just outside invites effortless indoor-outdoor living. The private owner's suite, located at the rear of the home for ultimate privacy, offers a serene escape with an en suite bathroom featuring quartz-topped dual vanity sinks, and a Walk-In Shower with Rain Shower Head and luxurious tile reaching up to the ceiling. At the front of the home, the spare bedroom, bathroom, and versatile enclosed flex room ensure that everyone has their own space. Wood-look luxury vinyl plank flooring spans the home, and tile covers the bathrooms and laundry room floors. The laundry room itself offers both style and convenience with built-in cabinetry, a quartz trimmed utility sink, and a brand-new Whirlpool washer and dryer adding a touch of elegance to everyday tasks. From the matte black hardware finishes to the tall 8' interior doors, no detail is overlooked. Comfort height toilets, faux wood blinds, Sherwin Williams Drift of Mist interior paint, and rain gutters add both style and ease to daily living. This home also comes equipped with a variety of modern conveniences, including a smart thermostat, video doorbell, and LED downlights. With its exceptional design, sophisticated finishes, and smart features, this Prosperity home is the epitome of both comfort and luxury—perfectly tailored to fit your lifestyle.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,707
Sqft
0.14 ac
Lot size
2
Garage
2026
Year built
One
Levels
$281
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.
$3,721 /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
$3,721/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 St Cloud actives
$281 vs $221
Days on market
14 vs 33 typical
Where $281/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
Get to know St Cloud. See the full St Cloud guide →
ST CLOUD 34772 — neighborhood snapshot
Population
33,542
Median age
39.9
Median income
$86,900
Median home value
$352,400
Avg household
3.05
Households w/ children
4,027
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)
188 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 29% above the ST CLOUD 34772 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 5038 DANCY LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$489,230
2753 REDBLUSH TERRACE · same community
2 bd · 2 ba · 1,670 sqft · $293/sqft · 148 DOM
Sold · Oct ’25$475,000
2765 REDBLUSH TERRACE · same community
2 bd · 2 ba · 1,889 sqft · $251/sqft · 171 DOM
Sold · Oct ’25$571,640
5129 TWIN LAKES BOULEVARD · same community
4 bd · 3 ba · 1,889 sqft · $303/sqft · 0 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 5038 DANCY LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5038 DANCY LANE — 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
5038 DANCY LANE FAQs
What would the monthly payment be for 5038 DANCY LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,721/mo — principal and interest, the actual property-tax bill, the $310/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 5038 DANCY LANE?+
The association fee works out to $310 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5038 DANCY LANE?+
The most recent tax bill on record (2025) was $2,633. 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 5038 DANCY LANE?+
The listing reports pets: Number Limit, 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 $479,020, this home is listed about 13% 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 5038 DANCY LANE?+
Hickory Tree Elementary School (elementary), St. Cloud 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 PULTE REALTY OF NORTH FLORIDA LLC · Adrienne Escott. MLS #O6422789.
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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