5338 SPOONFLOWER COURT, ST CLOUD, FL, 34771
Active2 days on marketListed Jul 22, 2026MLS #O6426146
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Upcoming open house
Sat, Jul 25
1:00 PM – 3:00 PM
About this home
5338 SPOONFLOWER COURT
Set on a landscaped cul-de-sac lot with water views, this nearly new 2025 villa in gated Esplanade at Center Lake Ranch brings easy, low-maintenance living together with resort-style amenities. The 1,515-square-foot, single-story layout opens to bright living and dining areas and a well-appointed kitchen with stone counters, a generous island, stainless steel appliances, and abundant cabinetry. Sliding glass doors connect the living area to a screened lanai overlooking the pond—an inviting spot for morning coffee or winding down at the end of the day. The primary suite features a spacious walk-in closet and private bath with dual sinks and a walk-in shower. A second bedroom also includes a walk-in closet, while the flexible third bedroom is defined by French-style double doors and does not have a closet, making it equally suited for guests, a home office, or a hobby room. A second full bath, inside laundry room, and attached two-car garage complete the practical floor plan. Esplanade residents enjoy a guard-gated setting and an impressive amenity collection, including a resort-style pool and spa, fitness center and movement studio, pickleball and tennis courts, clubhouse, dog park, playground, outdoor gathering spaces, walking trails, concierge services, and community events. HOA services include lawn care and roof maintenance/replacement; buyers should verify current association details and inclusions. Conveniently located near Lake Nona, major roadways, shopping, dining, and medical destinations.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,515
Sqft
0.11 ac
Lot size
2
Garage
2025
Year built
One
Levels
$238
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.
$3,098 /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
$3,098/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
−8.1%
$/sqft vs ESPLANADE AT CENTER LAKE RANCH
$238 vs $289
Days on market
2 vs 33 typical
Where $238/sqft sits among the 8 homes for sale in ESPLANADE AT CENTER LAKE RANCH
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)
4 of 8
ESPLANADE AT CENTER LAKE RANCH have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 15% 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 5338 SPOONFLOWER COURT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$299,000
5375 SPOONFLOWER COURT · same community
2 bd · 2 ba · 1,515 sqft · $197/sqft · 52 DOM
Sold · Nov ’25$326,000
5337 SPOONFLOWER COURT · same community
2 bd · 2 ba · 1,515 sqft · $215/sqft · 199 DOM
Sold · Jun ’26$300,000
5369 SPOONFLOWER COURT · same community
2 bd · 2 ba · 1,515 sqft · $198/sqft · 3 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 5338 SPOONFLOWER COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5338 SPOONFLOWER COURT — 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
5338 SPOONFLOWER COURT FAQs
What would the monthly payment be for 5338 SPOONFLOWER COURT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,098/mo — principal and interest, the actual property-tax bill, the $408/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 5338 SPOONFLOWER COURT?+
The association fee works out to $408 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5338 SPOONFLOWER COURT?+
The most recent tax bill on record (2025) was $3,024. 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 5338 SPOONFLOWER COURT?+
The listing reports pets: Breed Restrictions. 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 $359,900, this home is listed about 15% 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 5338 SPOONFLOWER COURT?+
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
$359,900 is 15% below the ST CLOUD 34771 median of $425,000.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 2 days on market in a St Cloud market that averages 33 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of REAL BROKER, LLC · Peter Luu. MLS #O6426146.
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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