4858 TERRA SOLE PLACE, ST CLOUD, FL, 34771
Active30 days on marketListed Jun 23, 2026MLS #S5152323
About this home
4858 TERRA SOLE PLACE
Welcome to this beautifully maintained and exceptional residence ideally located in the heart of highly desirable St. Cloud. Offering 6 bedrooms, 3 full bathrooms, and 1 half bathroom, this impressive home provides the perfect blend of comfort, space, and functionality — ideal for large families, multi-generational living, or those seeking room to grow. A spacious 3-car garage and elegant brick paver driveway add to the home’s impressive curb appeal. As you step through the front door, you are greeted by a welcoming open foyer that flows seamlessly into the expansive family room and stunning gourmet kitchen. Designed for both everyday living and entertaining, the kitchen features an oversized island with ample workspace, abundant cabinetry, a spacious pantry, and a cozy breakfast nook that comfortably accommodates the whole family. The first-floor primary suite is a private retreat, complete with a sitting area overlooking the backyard. The luxurious primary bathroom offers dual vanities, a separate glass-enclosed shower, and two spacious air-conditioned walk-in closets providing exceptional storage and convenience. Upstairs, you will find five additional bedrooms, offering flexibility for family, guests, or dedicated office space. The oversized loft area at the top of the stairs includes built-in computer workstations, while the expansive game room/flex space provides endless possibilities for recreation, fitness, or a media room. Two bedrooms feature a Jack-and-Jill bathroom layout, while the remaining bedrooms share an additional full bathroom. The well-designed laundry room includes a convenient storage shelf above the washer and dryer, adding to the home’s thoughtful functionality. Energy efficiency is a standout feature with a Powerhouse Green Package, helping reduce monthly utility costs, along with double-pane windows and energy-saving R-30 ceiling insulation. Located just off Narcoossee Road, this home offers the perfect combination of peaceful suburban living and convenient access to everything Central Florida has to offer. Enjoy being minutes from shopping, grocery stores, restaurants, and everyday amenities, with easy access to the Florida Turnpike, SR 417, and SR 528. This exceptional home offers space, efficiency, and an unbeatable location. Schedule your private showing today and experience all this St. Cloud gem has to offer!
Facts & features
The home at a glance
6
Bedrooms
3.5
Bathrooms
4,213
Sqft
0.19 ac
Lot size
3
Garage
2016
Year built
Two
Levels
$185
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.
$5,252 /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
$5,252/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
+18.4%
Days on market
30 vs 33 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.
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)
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 83% 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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4858 TERRA SOLE PLACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4858 TERRA SOLE PLACE — 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
4858 TERRA SOLE PLACE FAQs
What would the monthly payment be for 4858 TERRA SOLE PLACE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,252/mo — principal and interest, the actual property-tax bill, the $120/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 4858 TERRA SOLE PLACE?+
The association fee works out to $120 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4858 TERRA SOLE PLACE?+
The most recent tax bill on record (2025) was $5,719. 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 4858 TERRA SOLE PLACE?+
The listing reports pets: Cats OK, Dogs OK. 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 $779,000, this home is listed about 83% 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 4858 TERRA SOLE PLACE?+
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.
Listing courtesy of KELLER WILLIAMS LEGACY REALTY · Teresa Reilly-O'Doherty. MLS #S5152323.
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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