$440,000
SOLD APR 14, 2025
4 Beds
3.5 Baths
2,222 Sq Ft
6,098 Sq Ft Lot

Recently Sold

$198 Per Sq Ft

6 Days on Market

Highlights

  • Open Floorplan
  • Loft
  • Stone Countertops
  • South Miami Middle School Rated A-
  • Window or Skylight in Bathroom
  • Community Pool

About This Home

As of April 2025

Welcome to this stunning 4-bedroom, 3.5-bathroom home offering modern elegance, high-end finishes, and thoughtful upgrades throughout. Nestled in the sought-after Siena Reserve community of St. Cloud, FL., this home seamlessly blends style and function, making it the perfect retreat. A huge perk of ownership is the 2.25 Assumable FHA Loan, which could be assumed upon bank approval—an incredible opportunity in today’s market. Additionally, all furnishings as seen in the photos (minus personal items) are available for purchase in a bill of sale, separate from the home itself.

Upon entry, the foyer leads into a bright, open-concept living space. The living room features a custom-built entertainment wall with sleek built-in cabinetry, an eye-catching textured accent wall, and upgraded lighting, creating a modern yet cozy atmosphere. Large sliding glass doors provide an effortless indoor-outdoor flow to the fully fenced backyard, offering privacy and space for outdoor activities.
The chef’s kitchen is designed for both beauty and practicality, boasting quartz countertops, stunning brand-new backsplash, and a spacious island with a textured facade—ideal for meal prep and casual dining. The coffee bar, thoughtfully set apart, enhances convenience without compromising counter space. Elegant new pendant lighting complements the stylish design, and a walk-in pantry ensures ample storage.
Upstairs, the primary suite is a true sanctuary, complete with a luxurious en-suite bathroom featuring a glass shower enclosure, and dual vanities. The expansive walk-in closet provides plenty of storage. Each additional bedroom is generously sized, and all upstairs bathrooms have been upgraded with glass shower-tub enclosures.

The seller is willing to replace all the carpet upstairs upon move-out, allowing for a fresh start with brand-new carpeting.
A versatile loft area offers additional living space, perfect for a media room, home office, or playroom. The upgraded luxury vinyl flooring continues up the stairs, enhancing durability and modern appeal. Convenience is key with an upstairs laundry room and ample storage throughout.
The garage is a standout feature with epoxy flooring and a custom storage closet, providing both functionality and durability. Ceiling fans throughout the home Provide enhanced comfort and efficiency.
Step outside to the spacious backyard, enclosed by a vinyl fence for privacy. With plenty of room for entertaining, outdoor activities, or a future pool, this backyard is a blank slate ready for personalization.

Located just minutes from St. Cloud’s best dining, shopping, and entertainment, this home offers both convenience and tranquility. Nearby favorites include Fiesta Azul Tequila House, Bella Roma Pizza, and the Downtown Entertainment District, while Orlando Health St. Cloud Hospital is a short drive away. Don’t miss the opportunity to own this beautifully upgraded home with an unbeatable 2.25 assumable FHA loan—schedule your showing today! ****All furnishings as seen in the photos (minus personal items) are available for purchase in a bill of sale, separate from the home itself***The seller is willing to replace all the carpet upstairs upon move-out***

Last Agent to Sell the Property

Jessica Snyder

LPT REALTY, LLC Brokerage Phone: 877-366-2213 License #3522242 Listed on: 03/06/2025

LPT REALTY, LLC

Last Buyer's Agent

Sathya Montoya

THE PROPERTY PROS REAL ESTATE, INC License #3388561

THE PROPERTY PROS REAL ESTATE, INC

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $4,086

Year Built

  • Built in 2020

Lot Details

  • 6,098 Sq Ft Lot
  • South Facing Home

HOA Fees

  • $70 Monthly HOA Fees

Parking

  • 2 Car Attached Garage

Home Design

  • Slab Foundation
  • Shingle Roof
  • Block Exterior
  • Stucco

Interior Spaces

  • 2,222 Sq Ft Home
  • 2-Story Property
  • Open Floorplan
  • Built-In Features
  • Ceiling Fan
  • Window Treatments
  • Sliding Doors
  • Entrance Foyer
  • Living Room
  • Dining Room
  • Loft

Kitchen

  • Breakfast Bar
  • Walk-In Pantry
  • Range
  • Microwave
  • Dishwasher
  • Stone Countertops

Flooring

  • Carpet
  • Luxury Vinyl Tile

Bedrooms and Bathrooms

  • 4 Bedrooms
  • Primary Bedroom Upstairs
  • Closet Cabinetry
  • Walk-In Closet
  • Jack-and-Jill Bathroom
  • Dual Sinks
  • Bathtub with Shower
  • Shower Only
  • Window or Skylight in Bathroom

Laundry

  • Laundry Room
  • Dryer
  • Washer

Outdoor Features

  • Exterior Lighting
  • Rain Gutters

Schools

  • Narcoossee Elementary School
  • Narcoossee Middle School
  • Harmony High School

Utilities

  • Central Heating and Cooling System
  • Electric Water Heater
  • High Speed Internet
  • Cable TV Available

Listing and Financial Details

Community Details

Overview

  • Association fees include pool, recreational facilities
  • Highland Community Management | Jennifer Conklin Association, Phone Number (863) 940-2863
  • Siena Reserve Ph 2A & 2B Subdivision

Amenities

  • Community Mailbox

Recreation

  • Community Playground
  • Community Pool
  • Park

Home Details

Home Type

Single Family

Est. Annual Taxes

$4,086

Year Built

Built in 2020

Lot Details

0

HOA Fees

$70 per month

Parking

2

Listing Details

  • HOA Fee Includes: Pool, Recreational Facilities
  • Property Type: Residential
  • Property Sub Type: Single Family Residence
  • Construction Materials: Block, Stucco
  • Fireplace: No
  • Living Area: 2222
  • Lot Size Acres: 0.14
  • New Construction: No
  • Year Built: 2020
  • Building Area Total: 2906
  • Lot Size Sq Ft: 6098
  • Status: Sold
  • Ownership: Fee Simple
  • ResoBuildingAreaSource: PublicRecords
  • Building Area Total Srch Sq M: 269.98
  • Escrow City: Orlando
  • Escrow State: FL
  • Escrow Street Name: Lake Lynda Dr. #200,
  • Minimum Lease: 8-12 Months
  • RATIO Current Price By Calculate: 198.02
  • Total Acreage: 0 to less than 1/4
  • Water Access YN: 0
  • MFR_BedroomClosetType: Built-in Closet
  • MFR_BedroomClosetType: Walk-in Closet
  • MFR_BedroomClosetType: Built-in Closet
  • MFR_BedroomClosetType: Built-in Closet
  • MFR_BedroomClosetType: Built-in Closet
  • MFR_BedroomClosetType: No Closet
  • MFR_BedroomClosetType: Built-in Closet
  • Bedroom Closet Type: Built-in Closet
  • MFR_InLawSuiteYN: 0
  • Attribution Contact: 877-366-2213
  • Tax Year: 2024
  • Special Features: VirtualTour

Interior Features

  • Living Area Units: Square Feet
  • Flooring: Carpet, Luxury Vinyl
  • Full Bathrooms: 3
  • Half Bathrooms: 1
  • Interior Amenities: Built-in Features, Ceiling Fans(s), Open Floorplan, PrimaryBedroom Upstairs, Solid Surface Counters, Stone Counters, Window Treatments
  • Appliances Included: Dishwasher, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
  • Foundation Details: Slab
  • Total Bedrooms: 4
  • Levels: Two
  • Stories: 2
  • ResoLivingAreaSource: PublicRecords
  • Living Area Meters: 206.43

Exterior Features

  • Direction Faces: South
  • Exterior Features: Lighting, Other, Rain Gutters, Sidewalk, Sliding Doors
  • Roof: Shingle
  • Pool Private: No
  • Waterfront: No
  • Road Surface Type: Asphalt
  • Water View YN: 0
  • Waterfront Feet Total: 0

Garage/Parking

  • Attached Garage: Yes
  • Carport Y N: No
  • Garage Spaces: 2
  • Garage Yn: Yes

Utilities

  • Utilities: BB/HS Internet Available, Cable Available, Electricity Connected, Sewer Connected, Water Connected
  • Cooling: Central Air
  • Heating: Central
  • Laundry Features: Inside, Laundry Room
  • Sewer: Public Sewer
  • Water Source: Public

Condo/Co-op/Association

  • Community Features: Community Mailbox, Park, Playground, Pool
  • Association Amenities: Park, Playground, Pool
  • Association Fee: 70
  • Association Fee Frequency: Monthly
  • Association Name: Highland Community Management | Jennifer Conklin
  • Phone: 863-940-2863
  • Association: Yes
  • Senior Community: No
  • Association 2 YN: 0
  • Association Approval Required YN: 0
  • Pet Restrictions: The buyer/buyer's agent is responsible for verifying all information pertaining to this property, including square footage, room sizes, conditions, rules, regulations, pet restrictions and rental restrictions.
  • Association Fee Requirement: Required
  • Association Email: j.conklin@hcmanagement.com

Fee Information

  • Total Annual Fees: 840.00
  • Total Monthly Fees: 70.00
  • Monthly HOA Amount: 70.00

Schools

  • Elementary School: Narcoossee Elementary
  • High School: Harmony High
  • Middle Or Junior School: Narcoossee Middle

Lot Info

  • Zoning: R-1
  • Parcel Number: 21-25-31-4978-0001-1500
  • Additional Parcels: No
  • Flood Zone Code: X

Rental Info

  • Furnished: Negotiable
  • Pets Allowed: Cats OK, Dogs OK
  • Lease Restrictions YN: 1
  • Additional Lease Restrictions: The buyer/buyer's agent is responsible for verifying all information pertaining to this property, including square footage, room sizes, conditions, rules, regulations, pet restrictions and rental restrictions.

Tax Info

  • Tax Annual Amount: 4085.68
  • Tax Block: 0000
  • Tax Book Number: 29-42-47
  • Tax Lot: 150

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Mar 6, 2025
Closed on
Apr 14, 2025
Sold by
Garcia Gomez Yessica and Duran Sosa Mario
Bought by
Rivera Luis D and Rivera Genesis Giraldo
Seller's Agent
Jessica Snyder
LPT REALTY, LLC
Buyer's Agent
Sathya Montoya
THE PROPERTY PROS REAL ESTATE, INC
List Price
$440,000
Sold Price
$440,000
Views
6
Current Estimated Value
$428,803

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
-$11,197
Avg. Annual Appreciation
-4.14%
Original Mortgage
$440,000
Outstanding Balance
$438,039
Interest Rate
6.63%
Mortgage Type
New Conventional
Estimated Equity
-$9,236

Purchase Details

Closed on
Jan 5, 2021
Sold by
Clayton Properties Group Inc
Bought by
Sosa Mario Alejandro Duran and Garcia Gomez Yessica

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$320,512
Interest Rate
2.7%
Mortgage Type
FHA
Source: Public Records

Range of Values:

--
Value Increase
--
Percent Increase
--
Adjusted for Inflation
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List Price
Sold Price
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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Purchase History

Date Type Sale Price Title Company
Warranty Deed $440,000 Bell Land Title Llc
Warranty Deed $440,000 Bell Land Title Llc
Special Warranty Deed $333,300 Innovative Title Llc
Special Warranty Deed $333,300 Innovative Title
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $440,000 New Conventional
Closed $440,000 New Conventional
Previous Owner $320,512 FHA
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft Prior Sale
04/14/2025 04/14/25 Sold $440,000 0.0% $198 / Sq Ft
03/12/2025 03/12/25 Pending -- -- --
03/06/2025 03/06/25 For Sale $440,000 +32.0% $198 / Sq Ft
09/20/2022 09/20/22 Sold $333,300 0.0% $150 / Sq Ft View Prior Sale
09/20/2022 09/20/22 For Sale $333,300 -- $150 / Sq Ft
01/05/2022 01/05/22 Pending -- -- --
Source: Stellar MLS

Tax History Compared to Growth

Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2024 $4,001 $290,580 -- --
2023 $4,001 $282,117 $0 $0
2022 $3,843 $273,900 $60,000 $213,900
2021 $4,356 $263,600 $55,000 $208,600
2020 $363 $25,000 $25,000 $0
Source: Public Records

Agents Affiliated with this Home

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Map

Source: Stellar MLS

MLS Number: O6287367

Stellar MLS

APN: 21-25-31-4978-0001-1500