5546 NINA WAY, ST CLOUD, FL, 34771
Active0 days on marketListed Aug 11, 2026MLS #O6432662
About this home
5546 NINA WAY
Under Construction. Welcome to the upscale two-story Symphony! There is a first-floor owner’s suite that offers a comfortable retreat with a full bathroom and walk-in closet. Near the front of the home off the foyer are a secondary bedroom and a flex space, ideal as an office or studio. An open-concept floorplan with easy access to a covered patio encourages simple indoor-outdoor living and entertaining. Three additional secondary bedrooms can be found on the second floor near a shared living space in the loft. Every home comes with Lennar’s Everything’s Included® promise, which includes all appliances as well as quartz countertops, blinds, and more in the price of your home. Springhead Lakes in Bridgewalk is one of the most anticipated new communities. At Bridgewalk, families can take advantage of the glorious resort-style swimming pool, extravagant clubhouse, with a state-of-the-art fitness center, playground, basketball & volleyball courts along with close proximity to Lake Ajay! What are you waiting for? Call and make an appt today.
Facts & features
The home at a glance
5
Bedrooms
4
Bathrooms
3,631
Sqft
0.17 ac
Lot size
3
Garage
2026
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.
$4,064 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,064/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
−20.7%
Days on market
0 vs 45 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.
The investor lens
Two ways this home pays
This home sits inside Spring Lake, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,395/mo median
Live St Cloud rental listing data — this home’s rate depends on size, condition and furnishing.
Where it sits
Inside Spring Lake
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Spring Lake is a short-term-rental community. See the full 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
$412K → $392K
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 46% 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 5546 NINA WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5546 NINA WAY — 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
5546 NINA WAY FAQs
What would the monthly payment be for 5546 NINA WAY?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,064/mo — principal and interest, the actual property-tax bill, the $165/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 5546 NINA WAY?+
The association fee works out to $165 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5546 NINA WAY?+
The most recent tax bill on record (2025) was $1,765. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 5546 NINA WAY be rented short-term?+
Yes — this home sits inside Spring Lake, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 5546 NINA 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 $622,490, this home is listed about 45% above the St Cloud median of $429,900. The market section on this page shows how the area is trending.
Which schools are assigned to 5546 NINA 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
$622,490 runs 46% above the ST CLOUD 34771 median — but at 3,631 sqft it's also nearly twice the size of the typical St Cloud listing.
02Zoned for nightly rentals
Spring Lake is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03Fresh on the market
Listed today in a St Cloud market that averages 45 — if it fits, move quickly.
Listing courtesy of LENNAR REALTY · Ben Goldstein. MLS #O6432662.
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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