2712 SOUTHLAND STREET, St. Cloud, FL, 34772 | $419,000

Under contract-accepting backup offers. Welcome to this beautifully maintained 3 bedroom 2 bath with attached 2 car garage Captiva model home located in the highly sought after gated 55+ community of Twin Lakes. Designed for comfort and convenience this residence offers thoughtful upgrades, modern features and unmatched amenities. Rest easy knowing that you not be going without power during a storm that causes a power outage as this home is equipped with a Generac Generator (with extended warranty until 10/30/2029) that operates the home when the regular power isn't available and it is run off of natural gas. The HVAC also has a service plan intact that extends until 07/21/2026. Step inside to an inviting open concept floor plan enhanced by custom motorized blackout shades in both the main living area and the primary bedroom perfect for privacy and energy efficiency. The spacious primary suite features a large walk in closet with shelving and a stunning en-suite bathroom complete with dual sinks, an oversize walk in shower with built in bench and a separate water closet. The well appointed kitchen is ideal for the home chef with sleek stainless steel appliances, built in oven and microwave included, custom backsplash, breakfast bar, granite countertops and a double door pantry. Enjoy your morning coffee or the the evening breeze from the screened in lanai that offers a peaceful place to relax. Additional upgrades include a tankless water heater and Rain Soft water softener adding additional peace of mind and long term efficiency. Twin Lakes offers an unbeatable lifestyle with a clubhouse, resort style pool with cabanas, state of the art fitness center with sauna, pickleball, tennis and basketball court, a putting green, dog parks, walking trails, private lake access for boating and fishing, a community garden, and arts & crafts studio and so much more. There are over 40 active groups in the community, you are sure to find several that suit your hobbies and interests. This home combines low maintenance living with luxury living, everything you need to embrace the Florida lifestyle. Twin Lakes is located within a short distance to area restaurants, shopping and medical care etc.

Features

  • Rooms: 9
  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: Electric Dryer Hookup, Inside, Laundry Room
  • Year Built: 2019
  • Garage: 2-car Driveway, Garage Door Opener
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,863
  • Acreage: 0.16
  • Est. Taxes: $4,904
  • HOA Fee: $310 Monthly
  • Lot Desc: Cleared, Landscaped, Sidewalk
  • Adult Communities: Yes
  • Pet Policy: Yes
  • Appliances: Built-In Oven, Cooktop, Dishwasher, Disposal, Dryer, Microwave, Range Hood, Refrigerator, Tankless Water Heater, Washer
  • MLS#: S5138983
  • Days on Market: 69 days
  • Website: https://www.raveis.com
    /prop/S5138983/2712southlandstreet_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 2/10/2026 3:47:10 PM)
Listing courtesy of HERITAGE REAL ESTATE AGENCY LLC   Phone: 407-334-3593

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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

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2712 SOUTHLAND STREET, St. Cloud, FL, 34772

$419,000

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 $335,200 $335,200 $335,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.250% 5.990% 5.250%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.112% 6.156% 5.522%
Monthly Tax Payment $409 $409 $409
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,851 $2,008 $2,695
Total Monthly Payment $2,335 $2,492 $3,179

* 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.