1493 REFLECTION COVE, St. Cloud, FL, 34771 | $499,999

Most homes come with a list. A list of things to fix. A list of things to update. A list of contractors you'll call, projects you'll schedule, weekends you'll lose. This home comes with sunsets. The work is finished. The interior was repainted in March. The exterior in August. New espresso LVP floors run through the home. A new washer and dryer hum quietly upstairs. A new refrigerator stands ready in a kitchen that already had everything else figured out. Bathroom mirrors, garage storage, even the outdoor TV. Done. Done. Done. Which means when you walk through the front door, you're not measuring anything. You're just home. You're standing in 2, 685 square feet that knows exactly what to do with itself. A flex room downstairs becomes the office, or the guest room, or the place where a hobby finally has somewhere to live. A loft upstairs becomes the gym in January, the study spot in September, the overflow living room when company stays a little longer. Four bedrooms. Three baths. A kitchen that pulls everyone toward it and an island that lets them stay. But the real story is out front. A wide covered porch. Direct water views. And the kind of Florida sunsets that ask you to sit down for a minute and stop checking your phone. Out back, the story keeps going. A fully fenced yard with a paver patio, a covered lanai, and an H2X Fitness Swim Spa that turns into a hot tub at night and a current-driven lap pool in the morning. Resistance swims, aquatic therapy, or a long float on a Tuesday because nobody's keeping score. Twelve months a year, this is your favorite room in the house, and it doesn't even have walls. Then there's the rest of Turtle Creek. A resort-style community pool perched above the lake. A playground. Walking trails. A low HOA. Twenty minutes to Lake Nona's Medical City, Boxi Park, and Town Center. Twenty-five to Orlando International. Top-rated schools, real dining, and good shopping all sit close enough to be easy and far enough to stay peaceful. Most homes hand you a list. This home hands you the keys. VA ASSUMABLE LOAN.

Features

  • Amenities: Playground, Pool, Recreation Facilities, Vehicle Restrictions
  • Rooms: 10
  • Bedrooms: 4
  • Baths: 2 full / 1 half
  • Laundry: Inside, Laundry Room, Upper Level
  • Year Built: 2017
  • Garage: 2-car Driveway, Garage Door Opener, Garage Faces Rear
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 2,685
  • Acreage: 0.14
  • Est. Taxes: $4,740
  • HOA Fee: $93 Monthly
  • Lot Desc: In County, Landscaped, Sidewalk
  • View: Water
  • Elem. School: Lakeview Elem (K 5)
  • Middle School: Narcoossee Middle
  • High School: Harmony High
  • Pet Policy: Yes
  • Appliances: Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
  • MLS#: O6403665
  • Days on Market: 6 days
  • Website: https://www.raveis.com
    /prop/O6403665/1493reflectioncove_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 5/20/2026 3:17:08 PM)
Listing courtesy of Real Broker, LLC   Phone: 855-450-0442

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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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1493 REFLECTION COVE, St. Cloud, FL, 34771

$499,999

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 $399,999 $399,999 $399,999
Term 360 months 360 months 180 months
Initial Interest Rate** 6.250% 6.625% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.609% 6.776% 6.078%
Monthly Tax Payment $395 $395 $395
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,463 $2,561 $3,348
Total Monthly Payment $2,933 $3,031 $3,818

* 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.