5409 SPRING MOSS COURT, ST CLOUD, FL, 34771
Active1 days on marketListed Jul 30, 2026MLS #O6429584
About this home
5409 SPRING MOSS COURT
Under Construction. What's Special: Close to Amenities, Lake View, Extended Patio, Flex Room. New Construction – October Completion! Welcome to the Lazio at 5409 Spring Moss Court in Esplanade at Center Lake Ranch! This thoughtfully designed single-story home offers three bedrooms, three bathrooms, a flex room, and an open-concept layout that blends comfort and style. The gourmet kitchen features a large center island overlooking the casual dining area and spacious great room, creating an inviting space for everyday living and entertaining. Tray ceilings add architectural elegance in the foyer, great room, and primary suite, while 8' interior doors enhance the home's open feel. Privately situated at the rear of the home, the primary suite features extended flooring that continues into both the bedroom and spacious walk-in closet, along with a well-appointed bathroom. Two secondary bedrooms and bathrooms provide privacy for guests, and the flex room offers versatile space for a home office, hobby room, or additional living area. Step outside to the expansive lanai, perfect for enjoying Florida's indoor-outdoor lifestyle year-round. Additional Highlights Include: pendant lights at kitchen and under cabinet LED lighting. Photos are for representative purposes only. MLS#O6429584 Experience resort-style living in St. Cloud, Florida, at Esplanade within the gated Center Lake Ranch community. With homes offering stunning nature and pond views, every detail is designed for peace and relaxation. Enjoy wellness-focused amenities like a pool, spa, fitness center, and movement studio. Stay active with pickleball, bocce, or strolls through the Bark Park, while concierge services and community events keep life exciting. With planned trails, parks, and an 11-acre Central Park, Esplanade offers a serene, nature-filled lifestyle with easy access to major roads.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,275
Sqft
0.16 ac
Lot size
2
Garage
2026
Year built
One
Levels
$241
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.
$4,044 /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
$4,548/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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
+1.1%
Days on market
1 vs 33 typical
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)
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 28% above the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
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 5409 SPRING MOSS COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5409 SPRING MOSS COURT — 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
5409 SPRING MOSS COURT FAQs
What would the monthly payment be for 5409 SPRING MOSS COURT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,044/mo — principal and interest, estimated property taxes, the $408/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 5409 SPRING MOSS COURT?+
The association fee works out to $408 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5409 SPRING MOSS COURT?+
The most recent tax bill on record (2025) was $0. 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 5409 SPRING MOSS COURT?+
The listing reports pets: Breed Restrictions, 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 $549,274, this home is listed about 29% 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 5409 SPRING MOSS COURT?+
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
Three things that matter here
01Positioned at the premium end
$549,274 runs 28% above the ST CLOUD 34771 median — but at 2,275 sqft it's also 15% larger than the typical St Cloud listing.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Only 1 day on market in a St Cloud market that averages 33 — if it fits, move quickly.
Listing courtesy of TAYLOR MORRISON REALTY OF FLORIDA INC · Michelle Campbell. MLS #O6429584.
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 5409 SPRING MOSS COURT 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 Chad to ping you on any price or status change →