David Ramirez
$450,000$519,0003 bd3 ba2,365 sqft$190 /sqft$4,079 /mo all-in ↓

4909 W FOUNTAINWOOD DRIVE, ST CLOUD, FL, 34772

Active233 days on marketListed Dec 17, 2025MLS #O6367771

Reduced $69KSingle Family ResidenceTWIN LAKES PH 1

About this home

4909 W FOUNTAINWOOD DRIVE

Price Reduction. Beautifully upgraded and exceptionally maintained, this 3-bedroom, 2-bath floor plan is located in the highly desirable Del Webb Twin Lakes 55+ active adult community, just steps from the resort-style amenities. A welcoming foyer greets you with a custom glass front door insert, an elegant tray ceiling, and designer lighting. The home has been professionally painted and features hardwood flooring, crown molding, plantation shutters, and stylish décor throughout. The open-concept kitchen is thoughtfully designed with upgraded light cabinetry with crown molding, quartz countertops, a custom backsplash, pendant lighting, select glass-front cabinet doors, and a spacious pantry. The living area offers a ceiling fan and sliding glass doors with custom electric blinds that lead to the screened lanai, overlooking a professionally landscaped backyard, perfect for relaxing or entertaining. The primary suite includes plantation shutters, a custom-painted tray ceiling, crown molding, and French doors leading to a spa-inspired ensuite bath featuring a large walk-in tiled shower with frameless glass, dual shower heads, a built-in bench, and a quartz dual-sink vanity. All closets feature custom shelving, and a convenient drop zone with custom backsplash adds both style and function. Del Webb Twin Lakes offers an impressive array of amenities, including three pools (resort-style, lap pool, and carriage house pool), a 20,000-square-foot clubhouse, state-of-the-art fitness center, flex rooms, tennis and pickleball courts, putting green, walking trails, fishing, and access to pontoon and Jon boats on Live Oak Lake. A full calendar of social activities makes this community vibrant and engaging.

Facts & features

The home at a glance

3

Bedrooms

3

Bathrooms

2,365

Sqft

0.15 ac

Lot size

2

Garage

2017

Year built

One

Levels

$190

Per sqft

55+ communityPets allowed

Inside

FlooringTile · Hardwood
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Disposal · Microwave · Range · Refrigerator · Water Softener
InteriorCeiling Fan(s)
LaundryLaundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
FacesSoutheast
ExteriorIrrigation System

Community & fees

HOA fee$335/mo
Taxes (2024)$8,828/yr
PetsYes

Utilities & systems

UtilitiesCable Available · Electricity Available · Public
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.

$4,079 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,649
FHA mortgage insurance (est.)$199
Property tax — 2024 actual bill$736
HOA fee — from the listing$335
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $15,750Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $15,750
Interest rate6.00%
Loan term

Estimated payment

$4,079/mo

Principal & interest$2,649
FHA mortgage insurance (est.)$199
Property taxes (actual bill)$736
HOA / condo fee$335
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Value check

Is the price right?

The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.

List $450K
$432KedgeAI estimate $491,420 · range $456K$515K$535K

vs edgeAI estimate

−8.4%

$/sqft vs TWIN LAKES PH 1

$190 vs $228

Days on market

233 vs 42 typical

Where $190/sqft sits among the 7 homes for sale in TWIN LAKES PH 1

2 · this home
0
2
0
2
1
$190–204$204–217$217–230$230–244$244–257$257+

The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.

Where it sits

Inside St Cloud

Map of 4909 W FOUNTAINWOOD DRIVE

Drive times from this address

Universal Orlando39 min
Walt Disney World40 min
Orlando Int’l Airport (MCO)40 min
Downtown Orlando40 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know St Cloud. See the full St Cloud guide →

ST CLOUD 34772 — neighborhood snapshot

Population

33,542

Median age

39.9

Median income

$86,900

Median home value

$352,400

Avg household

3.05

Households w/ children

4,027

For the school run

Osceola County School District

ElementaryHickory Tree Elementary School★★★★★
MiddleSt. Cloud Middle School★★★★★
HighHarmony High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The St Cloud market

Seller’s marketLeans seller4.7 months of inventoryBuyer’s market

$412K$395K

St Cloud median sold, yr/yr

98.4%

Sale-to-list ratio (12 mo)

5 of 7

TWIN LAKES PH 1 have cut their price

Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 19% above the ST CLOUD 34772 median. See the full St Cloud market guide →

Paper trail

This home's history

CurrentPrice reduced to $450,000 $69K
Dec 17, 2025Listed at $519,000 · 233 days on market since
2017Built · TWIN LAKES PH 1

Reality check

What actually sold near 4909 W FOUNTAINWOOD DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

5025 SUNFALLS AVENUESold · Nov ’25

$480,000

5025 SUNFALLS AVENUE · same community

3 bd · 3 ba · 2,365 sqft · $203/sqft · 142 DOM

5026 E FOUNTAINWOOD DRIVESold · Feb ’26

$554,000

5026 E FOUNTAINWOOD DRIVE · same community

3 bd · 2.5 ba · 2,208 sqft · $251/sqft · 40 DOM

5014 E FOUNTAINWOOD DRIVESold · Feb ’26

$451,000

5014 E FOUNTAINWOOD DRIVE · same community

3 bd · 2.5 ba · 2,208 sqft · $204/sqft · 1 DOM

Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 4909 W FOUNTAINWOOD DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 4909 W FOUNTAINWOOD DRIVE — before you fall in love.

See it in person

Schedule a tour

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Goes straight to David’s phone and CRM.

Straight answers

4909 W FOUNTAINWOOD DRIVE FAQs

What would the monthly payment be for 4909 W FOUNTAINWOOD DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,079/mo — principal and interest, the actual property-tax bill, the $335/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

How much are the HOA fees at 4909 W FOUNTAINWOOD DRIVE?+

The association fee works out to $335 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 4909 W FOUNTAINWOOD DRIVE?+

The most recent tax bill on record (2024) was $8,828. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Are pets allowed at 4909 W FOUNTAINWOOD DRIVE?+

The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.

How does the price compare to other homes in St Cloud?+

At $450,000, this home is listed about 5% above the St Cloud median of $429,675. The market section on this page shows how the area is trending.

Which schools are assigned to 4909 W FOUNTAINWOOD DRIVE?+

Hickory Tree Elementary School (elementary), St. Cloud Middle School (middle), Harmony High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Positioned at the premium end

$450,000 runs 19% above the ST CLOUD 34772 median — but at 2,365 sqft it's also 19% larger than the typical St Cloud listing.

02Time on market is leverage

233 days on market against a St Cloud median of 42 — sellers in this position are usually ready to negotiate.

03The price has already moved

Listed at $519,000, now $450,000 — a $69K cut. The full history is in the market section below.

Listing courtesy of DIAMOND REAL ESTATE GROUP · George Berry, III. MLS #O6367771.

IDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.

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