1538 SOFTSHELL STREET, St. Cloud, FL, 34771 | $670,000

Welcome to Turtle Creek! This stunning two-story home in the sought-after St. Cloud community truly shines with thoughtful updates and modern style from top to bottom! Every detail has been elevated over the years — starting with a NEW VINYL PRIVACY FENCE (2025) that creates a private oasis around the 30x20 SCREENED LANAI and PAVER PATIO (2023), complete with CUSTOM PATIO BLINDS (2023) and durable epoxy flooring for easy entertaining. Inside, the heart of the home gleams with LUXURY VINYL PLANK FLOORING upstairs and TILED staircase (2024), while the main level showcases 24x48 POLISHED PORCELIAN TILE (2022) that make the space light, bright, and on trend. The KITCHEN REMODEL (2022) delivers both beauty and function with SOLID WOOD TWO-TONE CABINETRY, QUARTZ COUNTERTOPS, a MARBLE BACKSPLASH, large ISLAND (with accent tiles) and bar seating, pendant lighting, pantry storage, and a newer microwave and dishwasher. Adjacent spaces flow effortlessly - an inviting living room with a BUILT-IN FIREPLACE FEATURE WALL (2022) and a stylish dining area accented with custom wall detail add a luxury edge and personality. The MAIN FLOOR BEDROOM (or flexible bonus space) sits beside a full bath, offering convenience for guests or a home office. Upstairs, your PRIMARY SUITE offers a tranquil view of the large pond and features a REMODELED EN-SUITE BATH (2022) designed for relaxation. You will also appreciate the smart extras throughout: NEW BASEBOARDS, a refreshed laundry room (2022), shoe closet shelving (2021), glass front door (2022), crown molding (2020), upgraded garage flooring (2020), all hardware (cabinet pulls, faucets, sinks, etc) and electronic entry systems (2022), newer interior paint, doors & trim painted (11/2025)! Outside, the fenced patio and oversized screened lanai extend your living space for effortless INDOOR/OUTDOOR ENTERTAINING. Enjoy the EXTENDED DRIVEWAY where there's ample parking for 4 cars, and an alleyway for safer play and less traffic, all overseen by the extended lanai. Residents of Turtle Creek will enjoy the walking trail around the pond, nice COMMUNITY AMENITIES, and a welcoming neighborhood feel - all within minutes of TOP-RATED SCHOOLS, shopping, dining, hospitals, and East Lake Toho. Conveniently located just off Narcoossee Road, you are close to Lake Nona, major highways, and Central Florida’s best attractions. This is LOW MAINTENANCE, modern living in one of St. Cloud’s most desirable communities - a gorgeous home in a great location that truly has it all. Call today to schedule a tour!

Features

  • Rooms: 11
  • Bedrooms: 5
  • Baths: 3 full
  • Lot Size: 50 x 125
  • Laundry: Electric Dryer Hookup, Laundry Room, Upper Level, Washer Hookup
  • Year Built: 2018
  • Garage: 2-car Covered, Driveway, Garage Faces Rear, On Street
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 2,806
  • Acreage: 0.14
  • Lot Size: 50 x 125
  • Est. Taxes: $3,093
  • HOA Fee: $101 Monthly
  • Lot Desc: City Lot, Landscaped, Level, Sidewalk
  • Elem. School: Lakeview Elem (K 5)
  • Middle School: Narcoossee Middle
  • High School: Harmony High
  • Pet Policy: Yes
  • Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
  • MLS#: O6359698
  • Days on Market: 27 days
  • Website: https://www.raveis.com
    /prop/O6359698/1538softshellstreet_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 12/25/2025 1:21:28 AM)
Listing courtesy of WEMERT GROUP REALTY LLC   Phone: 407-743-8356

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
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Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

Pedro.Delgadillo@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
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    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

1538 SOFTSHELL STREET, St. Cloud, FL, 34771

$670,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $536,000 $536,000 $536,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.500% 6.125% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.360% 6.304% 5.648%
Monthly Tax Payment $258 $258 $258
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,043 $3,257 $4,344
Total Monthly Payment $3,393 $3,607 $4,694

* 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.