1631 GROVELINE ROAD, ST CLOUD, FL, 34771
Active99 days on marketListed Apr 16, 2026MLS #O6399506
About this home
1631 GROVELINE ROAD
Welcome to this beautifully upgraded 2 story, 4 bedroom, 3.5 bathroom home in St. Cloud! Just steps from the neighborhood pool, this move-in-ready residence perfectly blends modern style with thoughtful upgrades and everyday convenience. Inside, you’ll love the bright, spacious open-concept layout that flows seamlessly between the living, dining, and kitchen areas. The primary bedroom is conveniently located on the first floor and features a large walk-in closet and private bathroom. The remaining three bedrooms are located on the second floor, each with generous walk-in closets. The gourmet kitchen boasts a large island with breakfast bar, stainless steel appliances, a walk-in pantry, and an open view to the living and dining spaces. Recent upgrades include new vinyl flooring in two rooms, a fully remodeled kitchen, a newly installed backyard fence, and a whole-home water filtration system for added comfort and peace of mind. Outside, relax on the covered rear patio overlooking the fully fenced backyard—perfect for entertaining or quiet evenings. Additional features include a 2-car garage and a low HOA fee that includes fiber optic internet and cable, delivering outstanding value. Located in one of St. Cloud’s most desirable and growing communities, this home offers the perfect combination of comfort, style, and convenience. Don’t miss your opportunity—schedule a private showing today!
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
2,827
Sqft
0.14 ac
Lot size
2
Garage
2023
Year built
Two
Levels
$177
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.
$4,003 /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
$4,003/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
−9.9%
$/sqft vs St Cloud actives
$177 vs $220
Days on market
99 vs 33 typical
Where $177/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 18% 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 1631 GROVELINE ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$524,470
1547 GROVELINE ROAD · same community
4 bd · 3.5 ba · 2,894 sqft · $181/sqft · 23 DOM
Sold · Dec ’25$526,470
1567 TIMBER LEAF ROAD · same community
4 bd · 4.5 ba · 2,894 sqft · $182/sqft · 0 DOM
Sold · Oct ’25$485,000
1604 GREEN ORCHARD STREET · same community
4 bd · 3.5 ba · 2,894 sqft · $168/sqft · 3 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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 1631 GROVELINE ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1631 GROVELINE ROAD — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
1631 GROVELINE ROAD FAQs
What would the monthly payment be for 1631 GROVELINE ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,003/mo — principal and interest, the actual property-tax bill, the $130/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 1631 GROVELINE ROAD?+
The association fee works out to $130 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1631 GROVELINE ROAD?+
The most recent tax bill on record (2025) was $6,584. 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 1631 GROVELINE ROAD?+
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 $499,900, this home is listed about 18% 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 1631 GROVELINE 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.
The brief
Three things that matter here
01Positioned at the premium end
$499,900 runs 18% above the ST CLOUD 34771 median — but at 2,827 sqft it's also 43% larger than the typical St Cloud listing.
02Time on market is leverage
99 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 $510,000, now $499,900 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of 1ST CLASS REAL ESTATE REAGAN R · Jonathan Patino. MLS #O6399506.
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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