466 ELM SPRING ROAD, ST CLOUD, FL, 34771
Active31 days on marketListed Jun 18, 2026MLS #W7886854
Come see it
Upcoming open houses
Sat, Jul 25
12:00 PM – 4:00 PM
OPEN HOUSE! Join us at The Crossings! Located in the quaint city of St. Cloud. This amenity-rich community offers a pool, splash pad, a playground for the kiddos, and a dog park – you can have this and more right outside your door. Please visit us at 5874 Piney Shrub Place, Saint Cloud, FL 34771.
Sun, Jul 26
12:00 PM – 4:00 PM
OPEN HOUSE! Join us at The Crossings! Located in the quaint city of St. Cloud. This amenity-rich community offers a pool, splash pad, a playground for the kiddos, and a dog park – you can have this and more right outside your door. Please visit us at 5874 Piney Shrub Place, Saint Cloud, FL 34771.
About this home
466 ELM SPRING ROAD
Under Construction. Ready in October! Welcome to The Crossings, located in the quaint city of St. Cloud. This amenity-rich community offers a pool, splash pad, a playground for the kiddos, and a dog park – you can have this and more right outside your door. Conveniently located off Narcoosee Rd, just 15 minutes to Lake Nona’s medical city, SR 417, and the Turnpike, for an easy commute around town, no matter where your travels take you. The Baymont 2-car garage single-family home has it all, all on one level. A welcoming foyer invites you inside and leads you past 2 spacious bedrooms to a unique flex space upgraded as a study. From there, a large great room is where you’ll make memories with family and friends, and it flows directly into the gourmet kitchen. Set up games or enjoy homemade meals around the large center island. At the end of the day, escape to your main-level owner’s suite with its tray ceiling, walk-in closet and double-vanity bath. This is the next level of great living. All Ryan Homes now include WIFI-enabled garage opener and Ecobee thermostat. **Closing cost assistance is available with use of Builder’s affiliated lender**. DISCLAIMER: Prices, financing, promotion, and offers subject to change without notice. Offer valid on new sales only. See Community Sales and Marketing Representative for details. Promotions cannot be combined with any other offer. All uploaded photos are stock photos of this floor plan. Actual home may differ from photos.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,815
Sqft
0.14 ac
Lot size
2
Garage
2026
Year built
One
Levels
$217
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.
$2,665 /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
$3,026/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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
−1.1%
$/sqft vs St Cloud actives
$217 vs $221
Days on market
31 vs 33 typical
Where $217/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
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)
188 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 7% below the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 466 ELM SPRING ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$425,200
777 CYPRESS CREEK RUN · same community
4 bd · 2 ba · 1,819 sqft · $234/sqft · 0 DOM
Sold · Sep ’25$425,300
897 CYPRESS CREEK · same community
4 bd · 2 ba · 1,819 sqft · $234/sqft · 0 DOM
Sold · Sep ’25$393,435
525 SILVERBELL TRAIL UNIT 525 · same community
3 bd · 2.5 ba · 1,870 sqft · $210/sqft · 0 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 466 ELM SPRING ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 466 ELM SPRING 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
466 ELM SPRING ROAD FAQs
What would the monthly payment be for 466 ELM SPRING ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,665/mo — principal and interest, estimated property taxes, the $8/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 466 ELM SPRING ROAD?+
The association fee works out to $8 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 466 ELM SPRING ROAD?+
The most recent tax bill on record (2026) was $0. 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 466 ELM SPRING 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 $394,458, this home is listed about 7% below the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 466 ELM SPRING 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.
Keep looking
Similar homes nearby
Listing courtesy of MALTBIE REALTY GROUP · Bill Maltbie. MLS #W7886854.
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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