
5051 PLYMOUTH TURTLE CIRCLE, ST CLOUD, FL, 34772
Active35 days on marketListed Jun 19, 2026MLS #S5151581
About this home
5051 PLYMOUTH TURTLE CIRCLE
Located in the Southern Pines community of Saint Cloud, this 5-bedroom, 2.5-bathroom home offers a spacious layout, multiple entertainment areas, and a variety of unique features that set it apart from the rest. Situated on a corner lot, the property welcomes you with attractive curb appeal and a beautiful two-story foyer that immediately showcases the home's spacious design. Inside, the thoughtfully designed floor plan provides plenty of room for everyday living and entertaining. Multiple living and dining spaces offer flexibility for large gatherings, a home office, playroom, or additional lounge areas depending on your needs. The spacious family room serves as the heart of the home, featuring a custom stone accent wall with an electric fireplace that creates a warm and inviting atmosphere. The updated kitchen is designed for both functionality and style, showcasing rich dark cabinetry, granite countertops, stainless steel appliances, decorative backsplash, abundant storage, and a center island that provides additional prep and workspace. The kitchen flows seamlessly into the main living areas, making it ideal for hosting family and friends. Also located on the first floor is a dedicated theater room, creating the perfect space for movie nights, sporting events, and entertainment. Whether you're enjoying a family movie marathon or hosting guests, this space offers a true at-home theater experience. Upstairs, you'll find a spacious loft area that provides additional living space and flexibility for a game room, media room, home office, or study area. The oversized primary suite serves as a private retreat with generous dimensions, abundant natural light, and an ensuite bathroom featuring a soaking tub, walk-in shower, dual vanities, and ample closet space. The remaining bedrooms are well-sized and thoughtfully arranged throughout the second floor, providing comfort and privacy for family members and guests. One of the standout features of this property is the detached spa room located in the backyard. Designed as a private retreat, this unique space features a spa/hot tub area and plenty of room to relax, entertain, or create your own personal wellness getaway. It adds a level of versatility and luxury rarely found in homes within the community. Step outside to enjoy the fully fenced backyard with plenty of room for outdoor activities, pets, and gatherings. The detached spa room creates a private escape while still leaving ample yard space for recreation and outdoor enjoyment. Conveniently located in Saint Cloud with easy access to shopping, dining, schools, major roadways, and everything Central Florida has to offer, this property combines thoughtful design and unique features to create a place you'll be proud to call home.
Facts & features
The home at a glance
5
Bedrooms
2.5
Bathrooms
3,324
Sqft
0.21 ac
Lot size
3
Garage
2004
Year built
Two
Levels
$162
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.
$3,900 /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
$3,900/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
+9.1%
$/sqft vs St Cloud actives
$162 vs $220
Days on market
35 vs 33 typical
Where $162/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 34772 — neighborhood snapshot
Population
33,542
Median age
39.9
Median income
$86,900
Median home value
$352,400
Avg household
3.05
Households w/ children
4,027
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)
196 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 46% above the ST CLOUD 34772 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 5051 PLYMOUTH TURTLE CIRCLE
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$480,000
5051 SILVER THISTLE LANE · same community
4 bd · 2.5 ba · 2,952 sqft · $163/sqft · 152 DOM
Sold · Apr ’26$375,000
4970 SILVER THISTLE LANE · same community
4 bd · 2 ba · 2,128 sqft · $176/sqft · 2 DOM
Sold · Feb ’26$310,000
5001 SILVER THISTLE LANE · same community
4 bd · 2 ba · 1,874 sqft · $165/sqft · 85 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 5051 PLYMOUTH TURTLE CIRCLE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5051 PLYMOUTH TURTLE CIRCLE — 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
5051 PLYMOUTH TURTLE CIRCLE FAQs
What would the monthly payment be for 5051 PLYMOUTH TURTLE CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,900/mo — principal and interest, the actual property-tax bill, the $46/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 5051 PLYMOUTH TURTLE CIRCLE?+
The association fee works out to $46 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5051 PLYMOUTH TURTLE CIRCLE?+
The most recent tax bill on record (2025) was $3,315. 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 5051 PLYMOUTH TURTLE CIRCLE?+
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 $540,000, this home is listed about 27% 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 5051 PLYMOUTH TURTLE CIRCLE?+
Hickory Tree Elementary School (elementary), St. Cloud 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 EXP REALTY LLC · Steve Pugh. MLS #S5151581.
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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