4921 CATALPA DRIVE, ST CLOUD, FL, 34772
Active267 days on marketListed Oct 31, 2025MLS #S5137679
About this home
4921 CATALPA DRIVE
Spectacular Marco floor plan located in the well sought after Del Webb Twin Lakes 55+ Active lifestyle community. This property has so much to offer. 3 Bedrooms and 3 Full baths, you could use the 2nd bedroom as a second master bedroom suite. Den/Study/office area. Step inside to the 10' Ceiling with the flexible layout and neutral coloring custom paint and plantation shutters throughout for gatherings. Ceramic Tile throughout home. Kitchen is well equipped with 42" upgraded cabinets with under cabinet lighting, custom glass tile backsplash, large custom farm sink, pendant lights, and a very large granite island that accommodates setting for a quick bite. large walk-in pantry with custom glass door, Stainless steel appliances, Gourmet Custom kitchen hood fan, Microwave and oven combination. Separate drop zone area with cabinets and granite countertops. Living room features large glass sliding doors that open all the way for entertaining in the screened in Lanai. Backyard with the upgraded landscaping package for privacy. Master bedroom with tray ceiling, ceiling fan. Large walk-in closet. Frameless shower doors to master luxurious two separate shower heads & Custom quartz vanity. Amenities include a Resort style pool and Lap Pool and 3rd pool on the carriage house side, 20,000 square foot Clubhouse, State of the art Fitness Center, Tennis Courts, Putting Green, Walking Trails, Pickle Ball Court, Fishing, and Pontoon Boats and Jon boat to use on Live Oak Lake! The community has many active and socializing activities to keep you VERY busy!! All of this in a GREAT gated community located in Central Florida close to Lake Nona Medical City, Orlando, Orlando International Airport, Theme Parks, and Brevard Beaches! Do not delay making your appointment today for your private tour.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,365
Sqft
0.23 ac
Lot size
2
Garage
2017
Year built
One
Levels
$228
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.
$4,341 /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
$4,341/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%
$/sqft vs TWIN LAKES PH 1
$228 vs $223
Days on market
267 vs 33 typical
Where $228/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 46% 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 4921 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 · Nov ’25$480,000
5025 SUNFALLS AVENUE · same community
3 bd · 3 ba · 2,365 sqft · $203/sqft · 142 DOM
Sold · Jul ’25$535,000
4904 W FOUNTAINWOOD DRIVE · same community
3 bd · 3 ba · 2,365 sqft · $226/sqft · 390 DOM
Sold · Feb ’26$554,000
5026 E FOUNTAINWOOD DRIVE · same community
3 bd · 2.5 ba · 2,208 sqft · $251/sqft · 40 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 4921 CATALPA DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4921 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
4921 CATALPA DRIVE FAQs
What would the monthly payment be for 4921 CATALPA DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,341/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 4921 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 4921 CATALPA DRIVE?+
The most recent tax bill on record (2023) was $5,442. 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 4921 CATALPA DRIVE?+
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 $539,900, this home is listed about 27% 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 4921 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.
The brief
Three things that matter here
01Positioned at the premium end
$539,900 runs 46% above the ST CLOUD 34772 median — but at 2,365 sqft it's also 20% larger than the typical St Cloud listing.
02Trees/Woods & Water views
The trees/woods and water view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
267 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of WEICHERT REALTORS HALLMARK PRO · Sherry Feck. MLS #S5137679.
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.
Never miss a listing
New St Cloud homes, in your inbox
Like 4921 CATALPA DRIVE but not quite? A daily digest of every new listing in St Cloud — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Eric to ping you on any price or status change →