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$391,560

2705 PLOVER STREET, ST CLOUD, FL 34771

Active36 days on market

Beds

4

Baths

3

Sq Ft

2,039 sq ft

Year Built

2025

Lot Size

0.10 acres

Garage

2

About This Property

This thoughtfully designed two-story home combines modern finishes with versatile spaces for comfortable everyday living. The open-concept main floor features 9-foot ceilings and tile flooring, creating a bright and inviting living area. A downstairs bedroom and full bath offer added flexibility for guests, a home office, or multigenerational living. The kitchen is both stylish and functional, featuring 36-inch upper cabinets, Silestone countertops, and a practical layout ideal for cooking and entertaining. Just off the kitchen, a spacious nook provides the perfect space for dining, relaxing, or gathering. Upstairs, 8-foot ceilings complement the private primary suite, which features a dual-sink vanity, large walk-in shower, and generous walk-in closet. A versatile loft provides additional space that can be customized to suit your needs, whether used as a second living area, media room, home office, or play space. An upstairs laundry room adds everyday convenience, making this home a seamless blend of comfort, functionality, and modern style.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #O6444920
StatusActive
Year Built2025
Total Rooms3
ConstructionBlock, HardiPlank Type, Stucco, Wood Frame
RoofShingle
FoundationSlab
FacesNorthwest
SubdivisionSHORES
CountyOsceola
OwnershipFee Simple
New ConstructionYes

Interior Features

InteriorOpen Floorplan, Stone Counters, Thermostat
FlooringCarpet, Tile
AppliancesDishwasher, Disposal, Range, Range Hood
LaundryLaundry Room
CoolingCentral Air
HeatingCentral

Exterior & Lot

ExteriorSidewalk, Sliding Doors
Lot Size0.10 acres (4,356 sq ft)
Road SurfaceAsphalt
0

Utilities

WaterPrivate
SewerPublic Sewer
UtilitiesBB/HS Internet Available

Parking

GarageYes (2 spaces)

HOA & Community

HOAYes
HOA Fee$288 / Quarterly
Senior CommunityNo

Financial Details

List Price$391,560
Original Price$381,155
ZoningLT
Parcel #142631530600010130

Directions

From FL Turnpike, take Exit 244/US-192 heading east. Turn right on Whip O. Will Ln. to community on the right.

Location

2705 PLOVER STREET, ST CLOUD, FL 34771

Listing Information

OfficeKELLER WILLIAMS ADVANTAGE REALTY
ListedSeptember 25, 2026

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Home Price

$391,560

20% ($78,312)
6.75%

Loan Term

Principal & Interest$2,032
Property Tax (est.)$359
Insurance (est.)$150
Total Monthly$2,541
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How to Buy This Home

Multiple financing options available for this $391,560 home in ST CLOUD.

🏛️

FHA Loan

$13,705 Down

Government-backed, low down payment. Credit scores as low as 580.

🎖️

VA Loan

$0 Down

Zero down for eligible veterans, active duty, and military families.

🏦

Conventional

$19,578 Down

Traditional financing. As low as 3-5% down with good credit.

🌾

USDA Loan

$0 Down

Zero down for eligible rural areas. Income limits apply.

Florida Down Payment Assistance Programs

You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000

First-time buyers working in FL

FL Assist

Up to $10,000

FHA, VA, or USDA borrowers

FL HLP Second Mortgage

Up to $10,000

First-time buyers, 0% deferred

Can You Afford This Home?

Quick check based on the 28% debt-to-income rule. Not a guarantee, just a starting point.

Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: October 31, 2026.

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