5541 FIONA LANE, ST CLOUD, FL, 34771
Active23 days on marketListed Jul 1, 2026MLS #O6421454
About this home
5541 FIONA LANE
Virtually Staged. Under Construction. The three-bedroom Vale provides convenient and luxurious single-story living. An open-concept floorplan blends the kitchen, living and dining areas with easy access to an inviting lanai. All three bedrooms are tucked away to the side of the home for optimal privacy, including a upscale owner’s suite with a full bathroom and walk-in closet. A spacious two-car garage at the back of the home is ready for any parking or storage needs. Every home comes with Lennar’s Everything’s Included® promise, which includes all appliances as well as quartz countertops, blinds, and more in the price of your home. Springhead Lakes in Bridgewalk is one of the most anticipated new communities. At Bridgewalk, families can take advantage of the glorious resort-style swimming pool, extravagant clubhouse with a state of the art fitness center, playground, basketball & volleyball courts along with close proximity to Lake Ajay! What are you waiting for? Call and make an appt today.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,659
Sqft
0.11 ac
Lot size
2
Garage
2026
Year built
One
Levels
$244
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.
$3,007 /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
$3,007/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 St Cloud actives
$244 vs $219
Days on market
23 vs 33 typical
Where $244/sqft sits among the 400 St Cloud actives
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.
The investor lens
Two ways this home pays
This home sits inside Spring Lake, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,369/mo median
Live St Cloud rental listing data — this home’s rate depends on size, condition and furnishing.
The Orlando short-term market
▼ Softening50%
Occupancy
▼ 25% yr/yr
$252
Avg nightly rate
▲ 17% yr/yr
$29K/yr
Revenue per listing
$125
RevPAR
53 days
Booking lead time
4.7 nights
Avg stay
4
Typical min nights
4,364
Active rentals
▲ 10% supply
Seasonality — monthly occupancy
Peaks at 57% in Feb · bottoms at 39% in Jun
Last 12 months of data, January–December, bars scaled to the seasonal peak. Market-wide averages across all home sizes in Orlando — the projection above is specific to this home’s size.
Where it sits
Inside Spring Lake
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Spring Lake is a short-term-rental community. See the full 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)
198 of 400
St Cloud actives have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 5% 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 5541 FIONA LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$436,368
5589 FIONA LANE · same community
3 bd · 2 ba · 1,659 sqft · $263/sqft · 29 DOM
Sold · Jul ’26$453,990
5629 FIONA LANE · same community
3 bd · 2.5 ba · 2,052 sqft · $221/sqft · 54 DOM
Sold · Jul ’26$419,490
5585 FIONA LANE · same community
4 bd · 3 ba · 2,462 sqft · $170/sqft · 36 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 5541 FIONA LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5541 FIONA LANE — 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
5541 FIONA LANE FAQs
What would the monthly payment be for 5541 FIONA LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,007/mo — principal and interest, the actual property-tax bill, the $143/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 5541 FIONA LANE?+
The association fee works out to $143 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5541 FIONA LANE?+
The most recent tax bill on record (2025) was $1,765. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 5541 FIONA LANE be rented short-term?+
Yes — this home sits inside Spring Lake, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 5541 FIONA LANE?+
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 $403,990, this home is listed about 5% 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 5541 FIONA LANE?+
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
01Under the ST CLOUD 34771 market on paper
$403,990 is 5% below the ST CLOUD 34771 median of $425,000.
02Zoned for nightly rentals
Spring Lake is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03The price has already moved
Listed at $406,990, now $403,990 — a $3K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LENNAR REALTY · Ben Goldstein. MLS #O6421454.
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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