5406 PINE LILLY DR, St. Cloud, FL, 34771 | $419,990

AFFORDABILITY!! 10 MINS TO THE LAKE NONA LIFESTYLE, AT HALF THE PRICE! WHY WAIT MONTHS FOR NEW CONSTRUCTION? This move-in-ready home already includes the upgrades buyers want most — luxury vinyl plank flooring, custom remote-controlled Zebra shades, a whole-house water softener, stainless steel kitchen appliances and a fully fenced private backyard with no rear neighbors, Wooded Lot behind, Vinyl Fence for Privacy & Furry Friends & all located one Floor - NO STAIRS!

Welcome home to this beautifully maintained **Single Story 4-bedroom, 2-bathroom DR Horton "Cali" floorplan** in the desirable Glenwood community of St. Cloud! Built in 2022 and offering 1, 830 square feet of living space, this move-in ready home combines modern style, comfort, and an UNBEATABLE LOCATION!

Discover an open-concept layout featuring soaring ceilings & ceramic tile flooring throughout the main living area. The chef-inspired kitchen showcases stainless steel appliances, a huge center island with seating, ample cabinetry, and a dining area that flows seamlessly into the living space. The Primary Bedroom has an en-suite bathroom with a Full Walk-In Closet, plus another separate closet! Double sinks with granite in the bathroom.

The owners have thoughtfully upgraded the home with **luxury vinyl plank flooring in all bedrooms**, eliminating builder-grade carpeting, as well as **remote-controlled Zebra dual shades on every window** for style and convenience. A whole-house water softener system adds even more value and comfort.

Enjoy Florida living at its best in the ** fully fenced backyard featuring a 6-foot vinyl privacy fence and no rear neighbors **, with peaceful wooded views behind the property. Relax on the covered lanai & Bring your FURRY FRIENDS!

Residents of Glenwood enjoy access to a beautiful community swimming pool to cool down. No CDD Fee, and Low HOA fees, plus bring your furry companions since the community is Pet Friendly! Florida has NO State Income Tax!

PRIME LOCATION!: Perfectly positioned between St. Cloud and Lake Nona, this home is just 9 minutes from the Orlando VA Medical Center and minutes from the acclaimed Lake Nona Medical City, home to the UCF College of Medicine, Nemours Children's Hospital, Sanford Burnham Prebys Medical Discovery Institute, and the University of Florida Research Center. Recreation opportunities abound with nearby East Lake Tohopekaliga (Lake Toho) offering outstanding boating and fishing, while the USTA National Campus provides world-class tennis facilities just a short drive away, & the new LAKE NONA WEST Shoppping Plaza.

Enjoy convenient access to Orlando International Airport, major highways, Disney Theme Park attractions, shopping, dining, and entertainment. An added benefit is the home's location in St. Cloud within Osceola County, where Property Tax Rates are generally much lower than those in neighboring Orange County communities, including Lake Nona.

** Better than new and packed with thousands in post-closing upgrades, this beautifully maintained home offers exceptional value, privacy, and convenience in one of St. Cloud's fastest-growing locations.

Call this one HOME! Make an appointment NOW!

Features

  • Amenities: Pool
  • Rooms: 9
  • Bedrooms: 4
  • Baths: 2 full
  • Laundry: Electric Dryer Hookup, Inside, Laundry Room, Washer Hookup
  • Style: Contemporary
  • Year Built: 2022
  • Garage: 2-car Driveway, Garage Door Opener
  • Heating: Central, Electric, Heat Pump
  • Cooling: Central Air
  • Approx Sq. Feet: 1,830
  • Acreage: 0.12
  • Est. Taxes: $4,518
  • HOA Fee: $275 Quarterly
  • Lot Desc: Sidewalk
  • View: Trees/Woods
  • Elem. School: Narcoossee Elementary
  • Middle School: Narcoossee Middle
  • High School: Tohopekaliga High School
  • Pet Policy: Yes
  • Appliances: Dishwasher, Electric Water Heater, Microwave, Range, Refrigerator, Water Softener
  • MLS#: S5151230
  • Days on Market: 8 days
  • Website: https://www.raveis.com
    /prop/S5151230/5406pinelillydr_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 7/6/2026 11:17:09 PM)
Listing courtesy of SHOWPLACE REALTY, INC.   Phone: 321-624-2222

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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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5406 PINE LILLY DR, St. Cloud, FL, 34771

$419,990

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 $335,992 $335,992 $335,992
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.490% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.370% 6.615% 5.866%
Monthly Tax Payment $377 $377 $377
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,012 $2,121 $2,768
Total Monthly Payment $2,463 $2,572 $3,219

* 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.