957 LADYFISH TRAIL, ST CLOUD, FL, 34771
Active108 days on marketListed Apr 6, 2026MLS #O6396664
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Upcoming open houses
Sat, Jul 25
12:00 PM – 5:00 PM
Clients/agents must visit model home at 5292 Goldfinch Drive, St. Cloud, FL, 34771, prior to visit.
Sun, Jul 26
12:00 PM – 5:00 PM
Clients/agents must visit model home at 5292 Goldfinch Drive, St. Cloud, FL, 34771, prior to visit.
Sat, Aug 1
12:00 PM – 5:00 PM
Clients/agents must visit model home at 5292 Goldfinch Drive, St. Cloud, FL, 34771, prior to visit.
Sun, Aug 2
12:00 PM – 5:00 PM
Clients/agents must visit model home at 5292 Goldfinch Drive, St. Cloud, FL, 34771, prior to visit.
About this home
957 LADYFISH TRAIL
What's Special: No Rear Neighbors | South Facing Lot | Dedicated Study | Gourmet Kitchen. New Construction - Ready Now! Built by America's Most Trusted Home Builder. Welcome to the Java at 957 Ladyfish Trail in The Waters at Center Lake Ranch! Step in from the welcoming front porch into the foyer, where two comfortable secondary bedrooms and a shared full bath create an inviting space for guests. As you continue down the hall toward the central great room, you will find a private study, an additional bedroom with its own bath, and a conveniently placed laundry room near the garage entry and half bath. The heart of the home opens to a spacious great room paired with a beautiful kitchen featuring a large island, generous counter space, and a corner pantry that keeps everything within reach. On the opposite side of the great room, the primary suite feels peaceful and tucked away, offering a dual vanity, a walk-in shower, and a large walk-in closet. Thoughtfully designed and gently connected, this home blends comfort, flexibility, and everyday ease in every corner. 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: gourmet kitchen, tray ceiling package, shower in place of tub in bathroom 3, 8' interior doors, study in place of a flex room, additional windows in the dining room, pre-plumb for future laundry sink, outdoor kitchen rough-in, and pocket sliding glass door in the great room. MLS#O6396664
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
2,721
Sqft
0.17 ac
Lot size
3
Garage
2026
Year built
One
Levels
$206
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
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.
$3,486 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,001/mo
Includes estimated PMI — it drops off once you reach 20% equity. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
vs edgeAI estimate
−0.2%
Days on market
108 vs 33 typical
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
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Cloud. See the full St Cloud guide →
ST CLOUD 34771 — neighborhood snapshot
Population
31,368
Median age
38.6
Median income
$101,434
Median home value
$427,500
Avg household
3.21
Households w/ children
4,183
For the school run
Osceola County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Cloud market
$414K → $400K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 32% above the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
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.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 957 LADYFISH TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 957 LADYFISH TRAIL — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
957 LADYFISH TRAIL FAQs
What would the monthly payment be for 957 LADYFISH TRAIL?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,486/mo — principal and interest, estimated property taxes, the $84/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 957 LADYFISH TRAIL?+
The association fee works out to $84 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 957 LADYFISH TRAIL?+
The most recent tax bill on record (2025) was $0. 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 957 LADYFISH TRAIL?+
The listing reports pets: Breed Restrictions, 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 $561,849, this home is listed about 32% above the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 957 LADYFISH TRAIL?+
Lakeview Elementary School (elementary), Narcoossee 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
$561,849 runs 32% above the ST CLOUD 34771 median — but at 2,721 sqft it's also 38% larger than the typical St Cloud listing.
02Time on market is leverage
108 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $636,000, now $561,849 — a $74K cut. The full history is in the market section below.
Listing courtesy of TAYLOR MORRISON REALTY OF FLORIDA INC · Michelle Campbell. MLS #O6396664.
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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