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$660,000

789 LADYFISH TRAIL, ST CLOUD, FL 34771

3D Tour
Active29 days on market

Beds

5

Baths

5

Sq Ft

3,835 sq ft

Year Built

2026

Lot Size

0.16 acres

Garage

3

About This Property

Under Construction. What's Special: Close to Amenities | 3 Full Baths | 1st Floor Primary Suite. New Construction - December Completion! Welcome to the Sand Key at 789 Ladyfish Trail in The Waters at Center Lake Ranch! Designed for both everyday comfort and effortless entertaining, this beautiful two-story home offers five bedrooms, three-and-a-half baths, and a versatile flex room. The spacious great room flows into a bright kitchen with a large island, walk-in pantry, and casual dining area, while the covered lanai creates the perfect place to relax or gather with friends. Tucked away on the main floor, the private primary suite offers a peaceful retreat with a spa-inspired bath and generous walk-in closet. Upstairs, a large game room is surrounded by four secondary bedrooms, providing plenty of space for everyone to feel right at home. A three-car garage adds convenience and extra storage. The Waters at Center Lake Ranch sits within a 2,050-acre master-planned community just south of Lake Nona. Conveniently located along the Narcoossee corridor, this natural gas community offers strong value near Medical City. Enjoy a walkable setting with cohesive neighborhoods, multi-use trails, recreation areas, and conservation wetlands that enrich daily living. Additional Highlights Include: Gourmet kitchen, laundry package, GE refrigerator, pendant light package at kitchen, sitting room at secondary bedroom, pre-plumb sink at laundry. Photos are for representative purposes only. MLS#O6447355

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #O6447355
StatusActive
Year Built2026
Total Rooms11
ConstructionBlock, Stucco
RoofShingle
FoundationSlab
FacesEast
SubdivisionTHE WATERS AT CENTER LAKE RANCH
CountyOsceola
OwnershipFee Simple
New ConstructionYes

Interior Features

InteriorHigh Ceilings, Primary Bedroom Main Floor, Walk-In Closet(s)
FlooringCarpet, Laminate
AppliancesRange Hood, Tankless Water Heater
LaundryInside, Laundry Room
CoolingCentral Air
HeatingCentral

Exterior & Lot

ExteriorSliding Doors
Lot Size0.16 acres (7,200 sq ft)
Road SurfaceAsphalt
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesBB/HS Internet Available, Cable Available, Electricity Available, Fiber Optics, Natural Gas Available, Natural Gas Connected, Sewer Available, Sprinkler Recycled, Street Lights, Underground Utilities, Water Available

Parking

GarageYes (3 spaces)

HOA & Community

HOAYes
HOA Fee$84 / Monthly
Senior CommunityNo

Financial Details

List Price$660,000
Original Price$715,709
FinancingCash, Conventional, FHA, VA Loan
ZoningRES
Parcel #292531094500012680

Schools

ElementaryNarcoossee Elementary
MiddleNarcoossee Middle
HighHarmony High

Directions

From Orlando via I-4 W: Take exit 77 to Florida’s Turnpike S/Miami. Merge onto Florida’s Turnpike S/Miami for 7 miles and use the right 2 lanes to take the ramp to FL-417 Toll N/ Sanford Daytona Beach. Continue for 8 miles, then take exit 22 for County Rd 15/Narcoossee Rd. Turn right on Narcoossee Rd and in 8 miles turn left onto Center Lake Ranch Blvd. Once in Center Lake Ranch, continue straight through the first roundabout, at the second roundabout take the 3rd turn left onto Twelve Oaks Rd. Follow signs to Taylor Morrison model parking on the left side on Teal Creek Dr.

Location

789 LADYFISH TRAIL, ST CLOUD, FL 34771

Listing Information

OfficeTAYLOR MORRISON REALTY OF FLORIDA INC
ListedOctober 5, 2026

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Home Price

$660,000

20% ($132,000)
6.75%

Loan Term

Principal & Interest$3,425
Property Tax (est.)$605
Insurance (est.)$150
Total Monthly$4,180
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $660,000 home in ST CLOUD.

🏛️

FHA Loan

$23,100 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

$33,000 Down

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

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: November 3, 2026.

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