2960 GARDEN TRAIL BEND STREET, ST CLOUD, FL, 34771
Active6 days on marketListed Jul 30, 2026MLS #G5115819
About this home
2960 GARDEN TRAIL BEND STREET
Virtually Staged. Under Construction. This beautifully upgraded 2,957-square-foot Lantana offers four bedrooms, three baths and a distinctive farmhouse-style elevation. The gourmet kitchen features painted linen cabinetry with crown molding, Carrara Breve quartz countertops, stainless-steel appliances, a wall oven, cooktop, canopy hood, pull-out wastebasket and a designer herringbone backsplash. Wood-look RevWood flooring flows throughout the main living areas, creating a warm and cohesive open-concept design. The spacious owner’s suite includes a spa-inspired shower with a ceiling-mounted rainhead, dual LED lighting, semi-frameless glass enclosure, built-in niche, floor-to-ceiling tile and a herringbone mosaic shower floor. Outdoor entertaining is made easy with a covered lanai featuring recessed lighting and connections for a future summer kitchen and TV. Additional highlights include quartz countertops in all baths, built-in drop-zone cabinetry, a laundry room with upper and lower cabinets, quartz counters and utility sink, whole-house gutters, structured wiring with surround-sound prewiring, an EV-charging conduit and an epoxy-finished two-car garage.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,957
Sqft
0.17 ac
Lot size
2
Garage
2026
Year built
Two
Levels
$254
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.
$4,993 /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
$4,993/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
+11.4%
$/sqft vs WESLYN PARK
$254 vs $262
Days on market
6 vs 43 typical
Where $254/sqft sits among the 21 homes for sale in WESLYN PARK
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
$412K → $400K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
4 of 21
WESLYN PARK have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 74% 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 2960 GARDEN TRAIL BEND STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$659,000
6615 QUEST STREET · same community
4 bd · 4 ba · 2,989 sqft · $220/sqft · 294 DOM
Sold · Dec ’25$708,035
6641 WAKE STREET · same community
4 bd · 3.5 ba · 3,035 sqft · $233/sqft · 0 DOM
Sold · Feb ’26$685,000
2956 GARDEN TRAIL BEND · same community
4 bd · 3.5 ba · 2,867 sqft · $239/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
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 2960 GARDEN TRAIL BEND STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2960 GARDEN TRAIL BEND STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2960 GARDEN TRAIL BEND STREET FAQs
What would the monthly payment be for 2960 GARDEN TRAIL BEND STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,993/mo — principal and interest, the actual property-tax bill, the $422/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 2960 GARDEN TRAIL BEND STREET?+
The association fee works out to $422 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2960 GARDEN TRAIL BEND STREET?+
The most recent tax bill on record (2025) was $1,000. 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 2960 GARDEN TRAIL BEND STREET?+
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 $749,990, this home is listed about 75% above the St Cloud median of $429,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2960 GARDEN TRAIL BEND STREET?+
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 OLYMPUS EXECUTIVE REALTY INC · Nancy Pruitt, PA. MLS #G5115819.
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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