
5041 CASPIAN STREET, ST CLOUD, FL, 34771
Active52 days on marketListed Jun 1, 2026MLS #O6412741
About this home
5041 CASPIAN STREET
Behind the gates of Lakeshore at Narcoossee, this four-bedroom, three-bath townhome offers nearly 2,000 square feet with a two-car garage in one of St. Cloud's most sought-after communities. Step through the front door and the first bedroom and full bath sit right off the foyer. Use it as a guest room, a home office, an in-law suite, or a flex space. You decide. Past the entry, the floor plan opens up. New flooring runs through the main level, and updated light fixtures add a fresh, modern touch throughout. The kitchen anchors the space with granite counters, stainless steel appliances, rich cabinetry, and recessed lighting. The living and dining area flows off the kitchen, built for hosting and for everyday living. Sliders lead to your private pavered patio, with a breezeway that connects to the garage. Head upstairs and the laundry room is right there in the hallway, where you actually need it. The owner's suite sits to the right with room for a king bed and then some. The en suite features dual sinks, a tiled shower with a built-in bench, and a walk-in closet that earns its name. Two more bedrooms and the third full bath round out the second floor. Then there's the community. A 24-hour virtually guarded gate, a zero-entry resort pool, a clubhouse, a fitness center, a playground, swings, a basketball court, and a dog park. Lake access rounds it out with a fishing dock and boat slips. Location puts you close to everything. Lake Nona Medical City, restaurants, and shopping are a short drive. Orlando International Airport, the theme parks, and the beaches are all within reach, and 417 and 528 keep the rest of Central Florida easy to get to. Gated, four bedrooms, and move-in ready with fresh updates.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
1,825
Sqft
0.05 ac
Lot size
2
Garage
2019
Year built
One
Levels
$192
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.
$3,036 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,036/mo
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.
vs edgeAI estimate
−11.8%
$/sqft vs LAKESHORE AT NARCOOSSEE PH 2
$192 vs $217
Days on market
52 vs 33 typical
Where $192/sqft sits among the 6 homes for sale in LAKESHORE AT NARCOOSSEE PH 2
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)
2 of 6
LAKESHORE AT NARCOOSSEE PH 2 have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 18% below the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 5041 CASPIAN STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$325,000
5077 CASPIAN STREET · same community
3 bd · 2.5 ba · 1,617 sqft · $201/sqft · 120 DOM
Sold · Nov ’25$327,000
5043 CASPIAN STREET · same community
2 bd · 2.5 ba · 1,464 sqft · $223/sqft · 22 DOM
Sold · Mar ’26$310,000
2677 MEAD AVENUE · same community
2 bd · 2.5 ba · 1,464 sqft · $212/sqft · 30 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.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 5041 CASPIAN STREET — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5041 CASPIAN STREET — 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
5041 CASPIAN STREET FAQs
What would the monthly payment be for 5041 CASPIAN STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,036/mo — principal and interest, the actual property-tax bill, the $289/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 5041 CASPIAN STREET?+
The association fee works out to $289 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5041 CASPIAN STREET?+
The most recent tax bill on record (2025) was $4,457. 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 5041 CASPIAN STREET?+
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 $350,000, this home is listed about 18% below the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 5041 CASPIAN STREET?+
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.
Keep looking
Similar homes nearby
Listing courtesy of HOMEVEST REALTY · Brad Young. MLS #O6412741.
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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