5503 BANYAN BAY ROAD, ST CLOUD, FL, 34771
Active14 days on marketListed Jul 10, 2026MLS #O6423781
Come see it
Upcoming open house
Sat, Jul 25
10:00 AM – 12:00 PM
About this home
5503 BANYAN BAY ROAD
Nestled in an exclusive single-family boating community featuring direct lake and boat access, this pristine 2025-built, 3,000 sq ft open-concept home is completely turn-key and loaded with high-end upgrades. Enjoy resort-style neighborhood amenities, including a clubhouse, fitness center, and a sparkling community pool, all located just minutes from Lake Nona’s premier medical city and shopping districts. The heart of the home features a wide-open floor plan with space for both formal and casual kitchen dining, plus a dedicated flex room with a door ideal for a private office. The gourmet kitchen shines with upgraded cabinets and premium stainless steel appliances, located next to a spacious, generous laundry room. The layout offers 4 bedrooms, starting with an oversized master suite big enough for two distinct living zones, plus a luxurious upgraded bathroom that surpasses the model home. Privacy is optimized with two bedrooms sharing a bath behind a clever privacy door, and a fourth bedroom featuring its own en-suite. Enjoy modern automatic blinds throughout and an incredible backyard retreat: a custom screen cage with a remote-controlled openable screen, outdoor speakers, and pre-wiring for your future outdoor kitchen. The perfect blend of luxury, community lifestyle, and unbeatable location.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
3,000
Sqft
0.17 ac
Lot size
2
Garage
2025
Year built
One
Levels
$267
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.
$5,305 /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
$5,305/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+25.5%
Days on market
14 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 88% 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 5503 BANYAN BAY ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5503 BANYAN BAY ROAD — 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
5503 BANYAN BAY ROAD FAQs
What would the monthly payment be for 5503 BANYAN BAY ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,305/mo — principal and interest, the actual property-tax bill, the $170/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 5503 BANYAN BAY ROAD?+
The association fee works out to $170 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5503 BANYAN BAY ROAD?+
The most recent tax bill on record (2025) was $4,300. 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 5503 BANYAN BAY ROAD?+
The listing reports pets: Number Limit, 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 $799,900, this home is listed about 88% 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 5503 BANYAN BAY ROAD?+
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.
Listing courtesy of RE/MAX VANTAGE · Johana Rojas Romero. MLS #O6423781.
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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