5292 GOLDFINCH DRIVE, St. Cloud, FL, 34771 | $707,668

What's Special: Model Home Leaseback | Extended Lot | Game Room | Larger Backyard | Flex Room | Large Kitchen Island | Deep Lot. Model Home Leaseback - Available Now for July Closing! Built by America's Most Trusted Home Builder. Welcome to the Montauk at 5292 Goldfinch Drive in The Waters at Center Lake Ranch! This thoughtfully designed home combines open-concept living with flexible spaces throughout. The gourmet kitchen showcases quartz countertops, a large center island, walk-in pantry, and seamless flow into the dining area and great room, creating a bright and inviting space to gather. Just beyond, a screened lanai with an outdoor kitchen extends your living space and makes entertaining effortless. Your main level primary suite offers a peaceful retreat with a spacious walk-in closet and a spa-inspired bath with dual sinks, a soaking tub, and a separate shower. Upstairs, two secondary bedrooms share a nearby full bath, while an additional bedroom suite includes its own private bath. A spacious game room, flex room, and conveniently located laundry room complete this versatile and welcoming home. The Waters at Center Lake Ranch sits within a 2, 050-acre master-planned community just south of Lake Nona. Conveniently located along the Narcoossee corridor, this natural gas community offers strong value near Medical City. Enjoy a walkable setting with cohesive neighborhoods, multi-use trails, recreation areas, and conservation wetlands that enrich daily living. Additional Highlights Include: tray ceilings, all appliances included and upgraded finishes throughout. MLS#O6421350

*Model Home Prices exclude furniture, decorative accessories, and closing costs and already include any lot premium, Seller installed options and upgrades; Buyer-selected options are no longer available. For financed buyers, lender restrictions on leasebacks for certain lenders may apply. No representation of any kind is made or implied regarding the Model Home’s future value or benefits, or availability of financing for a leaseback transaction. See Model Home Purchase Agreement, Model Home Addendum, Model Home Leaseback Agreement and, if applicable Non-Realty Bill of Sale Addendum (for furniture and any other non-realty personal property sold separately in select model homes) for details. Model homes subject to prior sale.

Features

  • Amenities: Basketball Court, Playground, Pool
  • Rooms: 9
  • Bedrooms: 4
  • Baths: 3 full / 1 half
  • Laundry: Inside, Laundry Room
  • Style: Craftsman
  • Year Built: 2026
  • Garage: 2-car Driveway
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 2,999
  • Acreage: 0.16
  • Est. Taxes: $0
  • HOA Fee: $84 Monthly
  • View: Water
  • Elem. School: Narcoossee Elementary
  • Middle School: Narcoossee Middle
  • High School: Harmony High
  • Pet Policy: Breed Restrictions, Yes
  • Appliances: Built-In Oven, Cooktop, Dishwasher, Disposal, Exhaust Fan, Gas Water Heater, Microwave, Refrigerator
  • MLS#: O6421350
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/O6421350/5292goldfinchdrive_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 7/2/2026 9:47:09 PM)

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Kevin DeTullioVP, Mortgage Banker / Production Manager, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 1724767

203.305.5736

Kevin.DeTullio@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
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Brian SkellyVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 793093

203.415.2989

Brian.Skelly@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
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Diane PadelliInsurance Sales Director, William Raveis Insurance

203.444.0494

Diane.Padelli@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
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

5292 GOLDFINCH DRIVE, St. Cloud, FL, 34771

$707,668

The One Team

Sales Associates

William Raveis Real Estate

Phone: 860.850.0500

OneandCompany@raveis.com

Kevin DeTullio

VP, Mortgage Banker / Production Manager

William Raveis Mortgage, LLC

Phone: 203.305.5736

Kevin.DeTullio@Raveis.com

NMLS Mortgage Loan Originator ID 1724767

Brian Skelly

VP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 203.415.2989

Brian.Skelly@raveis.com

NMLS Mortgage Loan Originator ID 793093

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $566,134 $566,134 $566,134
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.370% 6.615% 5.952%
Monthly Tax Payment $0 $0 $0
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,391 $3,575 $4,701
Total Monthly Payment $3,483 $3,667 $4,793

* 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.