5222 FERNDALE ALLEY, ST CLOUD, FL, 34771
Active102 days on marketListed Apr 23, 2026MLS #S5148552
About this home
5222 FERNDALE ALLEY
This home stands out because it offers more space, better layout, and a stronger location than most townhomes in the area. It features 4 bedrooms and 3 full bathrooms, including a full bedroom and bathroom on the first floor, which is ideal for guests, in-laws, or a home office. Upstairs, there is an additional flex space for a desk or work area, perfect for remote work or study. The home is only about 18 months old and very well maintained, with new-generation Samsung appliances, quartz countertops, and a clean, modern design throughout. The primary bedroom includes a walk-in closet with added shelving, and all bathrooms have spacious, comfortable showers, including enough space for accessibility if needed. One of the biggest advantages is the outdoor space—a fully paved private patio, plus a detached 2-car garage and additional driveway parking, which is not common in many townhomes. The community also offers plenty of guest parking, making it convenient for visitors. The home has open views to green areas and water, providing more privacy and a better overall feel compared to units facing other buildings.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
1,786
Sqft
0.06 ac
Lot size
2
Garage
2023
Year built
Two
Levels
$224
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.
$3,271 /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
$3,271/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
+0.8%
$/sqft vs St Cloud actives
$224 vs $218
Days on market
102 vs 33 typical
Where $224/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.
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)
215 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 7% 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 5222 FERNDALE ALLEY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$369,900
1255 STOCKWELL AVENUE · same community
3 bd · 2.5 ba · 1,704 sqft · $217/sqft · 20 DOM
Sold · Mar ’26$358,900
1267 STOCKWELL AVENUE · same community
3 bd · 2.5 ba · 1,648 sqft · $218/sqft · 102 DOM
Sold · Mar ’26$359,990
110 SANDPINE COURT
4 bd · 2 ba · 1,782 sqft · $202/sqft · 275 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 5222 FERNDALE ALLEY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5222 FERNDALE ALLEY — 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
5222 FERNDALE ALLEY FAQs
What would the monthly payment be for 5222 FERNDALE ALLEY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,271/mo — principal and interest, the actual property-tax bill, the $140/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 5222 FERNDALE ALLEY?+
The association fee works out to $140 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5222 FERNDALE ALLEY?+
The most recent tax bill on record (2025) was $5,284. 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 5222 FERNDALE ALLEY?+
The listing reports pets: Cats OK, Dogs OK. 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 $399,900, this home is listed about 6% 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 5222 FERNDALE ALLEY?+
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
$399,900 is 7% below the ST CLOUD 34771 median of $430,000, and at $224/sqft it sits under the St Cloud average of $236.
02Time on market is leverage
102 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 $427,900, now $399,900 — a $28K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MY REALTY GROUP, LLC. · Marlly Garcia. MLS #S5148552.
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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