5232 VILLA ROSA AVENUE, ST CLOUD, FL, 34771
Active79 days on marketListed May 7, 2026MLS #O6405902
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About this home
5232 VILLA ROSA AVENUE
Welcome to 5232 Villa Rosa Avenue, an exceptional 5-bedroom, 3-bathroom residence offering over 3,300 square feet of thoughtfully designed living space in the highly desirable Nova Grove community. Ideally situated between Lake Nona and Saint Cloud, this home combines comfort, functionality, and modern updates in one of Central Florida's fastest-growing corridors. The versatile floor plan features formal living and dining spaces, a spacious family room, and an updated open-concept kitchen designed for both everyday living and entertaining. Enhanced with abundant cabinetry, generous counter space, and a dedicated coffee and beverage station, the kitchen serves as the heart of the home. A first-floor bedroom and full bathroom provide the perfect setup for guests, multi-generational living, or a private home office. Upstairs, a large bonus room offers endless flexibility for a media room, game room, fitness space, or additional living area. The expansive primary suite creates a peaceful retreat and is conveniently located near the laundry room. Recent improvements include a new HVAC system, new dishwasher, and updated ceiling fans, providing both comfort and peace of mind for years to come. Step outside to a covered lanai overlooking a spacious backyard with plenty of room for outdoor entertaining, play, or future customization. Residents of Nova Grove enjoy a welcoming neighborhood atmosphere with community events, food truck nights, and convenient access to shopping, dining, major highways, Medical City, Orlando International Airport, and the vibrant Lake Nona area.
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
3,399
Sqft
0.14 ac
Lot size
2
Garage
2015
Year built
Two
Levels
$151
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.
$4,076 /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
$4,076/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
−9.4%
$/sqft vs St Cloud actives
$151 vs $220
Days on market
79 vs 33 typical
Where $151/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 21% 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 5232 VILLA ROSA AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’25$448,444
5249 VILLA ROSA AVENUE · same community
4 bd · 2.5 ba · 2,389 sqft · $188/sqft · 199 DOM
Sold · Apr ’26$690,000
Nearby listing
5 bd · 4.5 ba · 3,461 sqft · $199/sqft
Sold · Jul ’26$630,000
5734 CATTLE RANCH DRIVE
5 bd · 4.5 ba · 3,542 sqft · $178/sqft · 108 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 5232 VILLA ROSA AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5232 VILLA ROSA AVENUE — 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
5232 VILLA ROSA AVENUE FAQs
What would the monthly payment be for 5232 VILLA ROSA AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,076/mo — principal and interest, the actual property-tax bill, the $77/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 5232 VILLA ROSA AVENUE?+
The association fee works out to $77 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5232 VILLA ROSA AVENUE?+
The most recent tax bill on record (2025) was $7,096. 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 5232 VILLA ROSA AVENUE?+
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 $513,075, this home is listed about 21% 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 5232 VILLA ROSA AVENUE?+
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
Four things that matter here
01Positioned at the premium end
$513,075 runs 21% above the ST CLOUD 34771 median — but at 3,399 sqft it's also 72% larger than the typical St Cloud listing.
02Park/Greenbelt views
The park/greenbelt view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
79 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $539,050, now $513,075 — a $26K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS ADVANTAGE REALTY · Christopher Groomes. MLS #O6405902.
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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