5829 BOVINE DRIVE, ST CLOUD, FL, 34771
Active248 days on marketListed Nov 18, 2025MLS #O6361473
About this home
5829 BOVINE DRIVE
Short Sale. ***Seller has Approval to Participate in a Pre-Foreclosure Sale with their lender.*** This beautiful one-story home, built in 2021, is located in the desirable Sunbrooke community of St. Cloud. With 3 bedrooms and 2 full baths spread across approximately 1,550 square feet, this residence offers modern convenience and family-friendly comfort. As you step inside, you’ll find a bright and open floor plan where the kitchen seamlessly flows into the living and dining areas—perfect for everyday living and entertaining. The kitchen is equipped with stainless-steel appliances, granite countertops, a generous island with seating, and a walk-in pantry. The master suite is tucked away for privacy, featuring a walk-in closet and a bath with a walk-in shower. Additionally, there are two more bedrooms and a second full bath, providing ample space for family or guests. The covered rear patio and fully fenced backyard create an ideal space for outdoor relaxation or play. This home also includes a two-car garage and a well-designed layout, offering peace of mind associated with newer construction. Allowing the new owner to enjoy the benefits with no remaining balance** Residents of the Sunbrooke community enjoy top-tier amenities that enhance everyday living, including a resort-style pool for soaking up the sunny Florida afternoons. There is a playground area perfect for children to expend their energy while parents relax nearby. Easy access to Narcoossee Road and the SR-417 corridor ensures quick commutes to the Orlando metro area and nearby employment hubs. Plus, you’ll find dining, retail, and entertainment options in the Lake Nona and St. Cloud region just a short distance away.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,556
Sqft
0.14 ac
Lot size
2
Garage
2021
Year built
One
Levels
$222
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.
$2,829 /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
$2,829/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
−2.7%
$/sqft vs St Cloud actives
$222 vs $220
Days on market
248 vs 33 typical
Where $222/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)
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 19% 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 5829 BOVINE DRIVE
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$360,000
5801 HERDER ROAD · same community
3 bd · 2 ba · 1,556 sqft · $231/sqft · 0 DOM
Sold · Nov ’25$385,000
786 STEERVIEW STREET · same community
3 bd · 2.5 ba · 2,244 sqft · $172/sqft · 101 DOM
Sold · Dec ’25$510,000
840 LIVESTOCK LOOP · same community
4 bd · 2.5 ba · 2,783 sqft · $183/sqft · 152 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
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 5829 BOVINE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5829 BOVINE DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
5829 BOVINE DRIVE FAQs
What would the monthly payment be for 5829 BOVINE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,829/mo — principal and interest, the actual property-tax bill, the $78/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 5829 BOVINE DRIVE?+
The association fee works out to $78 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5829 BOVINE DRIVE?+
The most recent tax bill on record (2025) was $4,883. 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 5829 BOVINE DRIVE?+
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 $345,000, this home is listed about 19% 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 5829 BOVINE DRIVE?+
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
$345,000 is 19% below the ST CLOUD 34771 median of $425,000, and at $222/sqft it sits under the St Cloud average of $236.
02Time on market is leverage
248 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 $360,000, now $345,000 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS ADVANTAGE III · Andrea Carabali. MLS #O6361473.
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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