1032 TOP MINNOW ROAD, ST CLOUD, FL, 34771
Active98 days on marketListed Apr 23, 2026MLS #O6401717
About this home
1032 TOP MINNOW ROAD
What's Special: Loft | High Ceilings | Close to Trails. New Construction - Ready Now! Built by America's Most Trusted Home Builder. Welcome to the Captiva at 1032 Top Minnow Road in The Waters at Center Lake Ranch! From the covered porch of this new home, you step into a bright foyer that opens to a spacious great room with a soaring two story ceiling, creating an open and airy feel you notice right away. The kitchen flows easily into the dining area, making everyday meals and weekend gatherings feel effortless, while the lanai adds a seamless indoor-outdoor connection you will love. The primary suite is privately tucked on the main level and features a spacious bath and walk-in closet that feels like your own retreat. The powder room is situated by the laundry room and garage entry. Upstairs, a comfortable loft overlooks the great room and is joined by two additional bedrooms one with its own en-suite bath, and another full bath, giving everyone space to spread out. With a two-car garage, generous storage, and a layout that balances connection and privacy, this home is designed to support the way you live and entertain. The Waters at Center Lake Ranch sits within a 2,050-acre master-planned community just south of Lake Nona. Conveniently located along the Narcoossee corridor, this natural gas community offers strong value near Medical City. Enjoy a walkable setting with cohesive neighborhoods, multi-use trails, recreation areas, and conservation wetlands that enrich daily living. Additional Highlights Include: Gourmet kitchen, covered lanai, shower in place of tub at bath 2, 8' interior doors, pre-plumb for future tub at laundry, GE refrigerator, and washer and dryer. Photos are for representative purposes only. MLS#O6401717
Facts & features
The home at a glance
3
Bedrooms
3.5
Bathrooms
1,989
Sqft
0.11 ac
Lot size
2
Garage
2026
Year built
Two
Levels
$232
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.
$3,167 /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
$3,591/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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
+2.4%
Days on market
98 vs 33 typical
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)
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 8% above the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
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 1032 TOP MINNOW ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1032 TOP MINNOW ROAD — 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
1032 TOP MINNOW ROAD FAQs
What would the monthly payment be for 1032 TOP MINNOW ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,167/mo — principal and interest, estimated property taxes, the $84/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 1032 TOP MINNOW ROAD?+
The association fee works out to $84 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1032 TOP MINNOW ROAD?+
The most recent tax bill on record (2025) was $0. 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 1032 TOP MINNOW ROAD?+
The listing reports pets: Breed Restrictions, 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 $461,870, this home is listed about 9% 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 1032 TOP MINNOW ROAD?+
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.
Listing courtesy of TAYLOR MORRISON REALTY OF FLORIDA INC · Michelle Campbell. MLS #O6401717.
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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