1101 LONE PALM WAY, ST CLOUD, FL, 34771
Active74 days on marketListed May 11, 2026MLS #TB8507087
About this home
1101 LONE PALM WAY
MOTIVATED SELLER! SELLING WITHOUT THE SOLAR SYSTEM. Work from home/WFH paradise. Tudor-style, wood paneled, crown-molded, naturally lit office with built-in wood shelves and ceiling LED variable lighting that is part of an office suite walled off from the rest of the living space. Office suite includes a separate bar/entertainment area, its own bathroom and is fully separated from rest of the home with a fingerprint-secured door knob. The rest of the home features a first-floor master suite (with two walk-in closets, an oversized walk-in shower, and setup for a Japanese-style bidet/robot toilet). A second-floor in-law suite (with a walk-in closet and full bath) along with three other bedrooms are on the second floor. One of the bedrooms is currently being used as a gym and features gym flooring. Another bedroom is set up as a media room with dark wall and ceiling paint and blackout drapes. The upstairs loft features a reading nook and a library space overlooking the main area of the home. The heart of the home is a cathedral ceiling great room/dining room/kitchen. The living area currently features a custom-built TV/projector stand with built-in electrical outlets, console space and an electric fireplace insert along with a separate custom built-in record player stand with storage space for vinyl records and overhanging shelving. The kitchen features modern stainless steel appliances, a walk-in pantry and natural stone countertops. Situated on a corner and oversized lot that is fully fenced. Located in a beautiful neighborhood with a community pool, play areas and dog parks. Easy access to downtown Saint Cloud, the lakefront park and Lake Nona. Nearby Route 192 provides direct access to the Space Coast, NASA and the beaches. Route 417 leads to Disney World and Old Town Kissimmee. The Turnpike makes for direct access to Universal and Orlando itself.
Facts & features
The home at a glance
5
Bedrooms
3.5
Bathrooms
3,222
Sqft
0.16 ac
Lot size
2
Garage
2022
Year built
Two
Levels
$171
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.
$4,261 /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
$4,261/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
−9.5%
$/sqft vs WIREGRASS PH 2
$171 vs $179
Days on market
74 vs 33 typical
Where $171/sqft sits among the 8 homes for sale in WIREGRASS PH 2
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
WIREGRASS PH 2 have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 29% above the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 1101 LONE PALM WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$525,000
1240 LONE PALM WAY · same community
4 bd · 3.5 ba · 3,021 sqft · $174/sqft · 20 DOM
Sold · Aug ’25$439,000
1180 LONE PALM WAY · same community
4 bd · 3 ba · 2,126 sqft · $206/sqft · 13 DOM
Sold · Oct ’25$528,000
5725 IRON BRAND ROAD
4 bd · 3.5 ba · 3,106 sqft · $170/sqft · 67 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 1101 LONE PALM WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1101 LONE PALM WAY — 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
1101 LONE PALM WAY FAQs
What would the monthly payment be for 1101 LONE PALM WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,261/mo — principal and interest, the actual property-tax bill, the $100/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 1101 LONE PALM WAY?+
The association fee works out to $100 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1101 LONE PALM WAY?+
The most recent tax bill on record (2025) was $6,244. 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 1101 LONE PALM WAY?+
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 $549,900, this home is listed about 29% 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 1101 LONE PALM WAY?+
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
01Positioned at the premium end
$549,900 runs 29% above the ST CLOUD 34771 median — but at 3,222 sqft it's also 63% larger than the typical St Cloud listing.
02Time on market is leverage
74 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 $574,999, now $549,900 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FLAT FEE MLS REALTY · Stephen Hachey. MLS #TB8507087.
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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