2845 WILLOWSEED LANE, ST CLOUD, FL, 34772
Active13 days on marketListed Jul 7, 2026MLS #S5153174
About this home
2845 WILLOWSEED LANE
Welcome to this beautiful 2024-built home located in the desirable Reserve at Twin Lakes community in St. Cloud! This spacious residence features 4 bedrooms, 3.5 bathrooms, a private office, and a versatile loft, offering plenty of space for today’s modern lifestyle. The open-concept floor plan creates a seamless flow between the kitchen, dining, and living areas, making it perfect for entertaining and everyday living. The well-appointed kitchen features a large island, ample cabinetry, and modern finishes. The primary suite provides a relaxing retreat with a spacious layout and private en-suite bathroom. Enjoy the benefits of newer construction with energy-efficient features, contemporary design, and low-maintenance living. Conveniently located near shopping, dining, schools, and major roadways, this home offers comfort, style, and convenience in a growing St. Cloud community.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
2,717
Sqft
0.14 ac
Lot size
2
Garage
2024
Year built
Two
Levels
$220
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.
$4,476 /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
$4,476/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
+26.3%
$/sqft vs St Cloud actives
$220 vs $220
Days on market
13 vs 33 typical
Where $220/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
Get to know St Cloud. See the full St Cloud guide →
ST CLOUD 34772 — neighborhood snapshot
Population
33,542
Median age
39.9
Median income
$86,900
Median home value
$352,400
Avg household
3.05
Households w/ children
4,027
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)
189 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 62% above the ST CLOUD 34772 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 2845 WILLOWSEED LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$515,900
5243 BUTTONSAGE DR DRIVE · same community
4 bd · 4 ba · 2,549 sqft · $202/sqft · 0 DOM
Sold · Jan ’26$543,400
2813 WILLOWSEED LANE · same community
4 bd · 3 ba · 2,275 sqft · $239/sqft · 319 DOM
Sold · Dec ’25$492,990
2817 WILLOWSEED LANE · same community
3 bd · 3 ba · 1,953 sqft · $252/sqft · 351 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 2845 WILLOWSEED LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2845 WILLOWSEED LANE — 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
2845 WILLOWSEED LANE FAQs
What would the monthly payment be for 2845 WILLOWSEED LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,476/mo — principal and interest, the actual property-tax bill, the $69/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 2845 WILLOWSEED LANE?+
The association fee works out to $69 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2845 WILLOWSEED LANE?+
The most recent tax bill on record (2025) was $9,554. 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 2845 WILLOWSEED LANE?+
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 $598,000, this home is listed about 41% 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 2845 WILLOWSEED LANE?+
Hickory Tree Elementary School (elementary), St. Cloud Middle School (middle), Harmony High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of LA ROSA REALTY ORLANDO LLC · Maria Figueroa Rivas. MLS #S5153174.
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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