5154 GOLDFINCH DRIVE, St. Cloud, FL, 34771 | $498,000

New Construction – Ready Now! Built by Taylor Morrison, America’s Most Trusted Homebuilder. Welcome to the Baldwin at 5154 Goldfinch Drive in The Waters at Center Lake Ranch. This inviting new home offers a thoughtful layout with space to relax and entertain. A formal dining room leads into a spacious great room and designer kitchen, complete with a casual dining area and sunny lanai for enjoying the Florida outdoors. A secondary bedroom suite sits near the foyer, while upstairs features a luxurious primary suite with dual sinks and a large shower, plus two additional bedrooms, a full bath, laundry room, and a private balcony. The Waters at Center Lake Ranch is nestled in a master-planned community just south of Lake Nona. Residents enjoy natural gas homes, scenic conservation wetlands, multi-use trails, and walkable neighborhoods. With easy access to Medical City, major highways, and recreational destinations, this community offers an enriched lifestyle in a rapidly growing area. Additional Highlights Include: Downstairs bedroom and full bathroom in place of flex, shower in place of tub at downstairs bathroom, double doors at casual dining room to lanai, double balcony, 8' interior doors, extended covered lanai, and all appliances included. Photos are for representative purposes only. MLS#O6333580

Features

  • Amenities: Basketball Court, Playground, Pool
  • Rooms: 7
  • Bedrooms: 4
  • Baths: 3 full / 1 half
  • Laundry: Inside, Laundry Room
  • Style: Craftsman
  • Year Built: 2025
  • Garage: 2-car Garage Door Opener
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 2,441
  • Acreage: 0.09
  • Est. Taxes: $0
  • HOA Fee: $169 Monthly
  • Elem. School: Narcoossee Elementary
  • Middle School: Narcoossee Middle
  • High School: Harmony High
  • Pet Policy: Breed Restrictions, Yes
  • Appliances: Dishwasher, Microwave, Range, Tankless Water Heater
  • MLS#: O6333580
  • Days on Market: 133 days
  • Website: https://www.raveis.com
    /prop/O6333580/5154goldfinchdrive_stcloud_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 1/11/2026 5:43:43 AM)

William Raveis Family of Services

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NMLS Mortgage Loan Originator ID 38342

978.314.1072

Joanne.OKeefe@raveis.com

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Our Insurance Division:

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5154 GOLDFINCH DRIVE, St. Cloud, FL, 34771

$498,000

The Lucci Witte Team

Sales Associates

William Raveis Real Estate

Phone: 978.273.0099

TheLucciWitteTeam@Raveis.com

Joanne O'Keefe

VP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 978.314.1072

Joanne.OKeefe@raveis.com

NMLS Mortgage Loan Originator ID 38342

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $398,400 $398,400 $398,400
Term 360 months 360 months 180 months
Initial Interest Rate** 5.500% 5.990% 5.125%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.285% 6.132% 5.415%
Monthly Tax Payment $0 $0 $0
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,262 $2,386 $3,177
Total Monthly Payment $2,337 $2,461 $3,252

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.