4912 CATALPA DRIVE, ST CLOUD, FL, 34772
Active74 days on marketListed May 12, 2026MLS #O6405805
About this home
4912 CATALPA DRIVE
Welcome to paradise in the highly sought-after, gated Twin Lakes community in St. Cloud where luxury and resort-style living come together in one immaculate and beautiful home. From the moment you arrive you will love the charming covered Front Porch - the perfect place to enjoy your morning coffee. Inside a bright, open layout unfolds with wood-look plank flooring and elegant plantation shutters. This meticulously maintained home features a newly installed (July 2024) tankless water heater. The spacious Great Room is ideal for entertaining, while the super-cute Pocket Office offers a quiet, efficient workspace. The Gourmet Kitchen is a true showpiece, featuring 42" cabinetry, extensive glass backsplash, vented hood, stainless steel appliances, built-in wall oven, and abundant granite countertops. The island Breakfast Bar is stunning! A huge walk-in Pantry and generously sized Laundry Room add to the exceptional functionality of this home. The Primary Suite is light, airy and beautifully appointed with a tray ceiling, transom window, plantation shutters and a luxurious Bathroom offering a frameless glass shower with two shower heads and an expansive granite vanity with exceptional countertop space. The Powder Room is perfectly placed for guests and the layout includes three bedrooms - one currently set up as a Den. Step outside to nearly 370 square feet of covered outdoor living space, an incredible extension of the home. The brick-paved Patio overlooks an idyllic, peaceful view with no rear neighbors, creating a private retreat that feels like your own slice of paradise. Electric sun blinds to the Sliding Doors and the Screened-in Patio provide shade and comfort at the touch of a button. Twin Lakes offers a lifestyle like no other, with a resort-style pool, clubhouse, fitness center, scenic lakes, walking trails, and the must-see Community Garden. Twin Lakes is known for its vibrant, welcoming atmosphere with a full-time lifestyle director who curates an active social calendar filled with Seminars, Lunch and Learn Events, Trivia, Karaoke and Bingo Nights, to name a few. Enjoy Tennis and Pickleball lessons, or dive into one of the many clubs - Mahjong, Bunco, Crafts, Billiards, Ceramics, Quilting, Line Dancing, Genealogy, Poker, Stitch and Sew! Spend an afternoon on the tranquil shores of Live Oak Lake, Jon Boat and Pontoon Boat use is available through the Association. This is more than just a home, it’s a fantastic lifestyle upgrade in a thriving 55+ community. With privacy, high ceilings and an open layout, this residence offers the perfect blend of elegance, comfort and resort-style living. It's a fabulous opportunity to own a home that truly feels like a private retreat.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,208
Sqft
0.14 ac
Lot size
2
Garage
2017
Year built
One
Levels
$254
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.
$4,724 /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
$4,724/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
+19.1%
$/sqft vs TWIN LAKES PH 1
$254 vs $223
Days on market
74 vs 33 typical
Where $254/sqft sits among the 8 homes for sale in TWIN LAKES PH 1
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 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)
6 of 8
TWIN LAKES PH 1 have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 51% 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 4912 CATALPA DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$554,000
5026 E FOUNTAINWOOD DRIVE · same community
3 bd · 2.5 ba · 2,208 sqft · $251/sqft · 40 DOM
Sold · Feb ’26$451,000
5014 E FOUNTAINWOOD DRIVE · same community
3 bd · 2.5 ba · 2,208 sqft · $204/sqft · 1 DOM
Sold · Apr ’26$410,000
5030 SUNFALLS AVENUE · same community
3 bd · 2.5 ba · 2,208 sqft · $186/sqft · 8 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 4912 CATALPA DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4912 CATALPA DRIVE — 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
4912 CATALPA DRIVE FAQs
What would the monthly payment be for 4912 CATALPA DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,724/mo — principal and interest, the actual property-tax bill, the $310/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 4912 CATALPA DRIVE?+
The association fee works out to $310 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4912 CATALPA DRIVE?+
The most recent tax bill on record (2025) was $8,518. 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 4912 CATALPA DRIVE?+
The listing reports pets: Cats OK, Dogs OK, 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 $560,000, this home is listed about 32% 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 4912 CATALPA DRIVE?+
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 COLDWELL BANKER REALTY · Michelle Bardsley. MLS #O6405805.
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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