5240 VILLA ROSA AVENUE, ST CLOUD, FL, 34771
Active63 days on marketListed May 29, 2026MLS #O6410964
About this home
5240 VILLA ROSA AVENUE
Don't miss the opportunity of viewing this stunning 6-bedroom, 4.5-bathroom home located in the highly desirable Nova Grove community of St. Cloud, Florida. Offering 3,573 square feet of beautifully designed living space, this spacious residence combines luxury, comfort, and convenience in one exceptional property. Step inside to discover an open-concept layout featuring a custom gourmet kitchen that flows seamlessly into the expansive family room — perfect for entertaining guests or enjoying everyday living. The chef-inspired kitchen boasts upgraded finishes, abundant cabinetry, and generous prep space designed for both functionality and style. The 1st floor primary bedroom and ensuite is the serene retreat after a long day of work... Upstairs, a large loft provides the ideal flex space for a media room, game room, home office, or additional gathering area. With six spacious bedrooms and four-and-a-half bathrooms, there is plenty of room for family and guests alike. Enjoy Florida living year-round in your private screened-in pool area, perfect for relaxing or hosting outdoor gatherings. Conveniently located just minutes from Central Florida’s major airports, world-famous theme parks, premier shopping, dining, and entertainment, this home offers the perfect balance of peaceful community living with easy access to everything Central Florida has to offer.
Facts & features
The home at a glance
6
Bedrooms
4.5
Bathrooms
3,573
Sqft
0.14 ac
Lot size
2
Garage
2015
Year built
Two
Levels
$161
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.
$4,243 /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
$4,243/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
−40%
$/sqft vs St Cloud actives
$161 vs $219
Days on market
63 vs 33 typical
Where $161/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
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)
210 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 34% above the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 5240 VILLA ROSA AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$665,000
1660 PRAIRIE OAKS DRIVE
6 bd · 3.5 ba · 3,555 sqft · $187/sqft · 46 DOM
Sold · Mar ’26$525,000
5107 APPENINE LOOP W
5 bd · 3 ba · 3,552 sqft · $148/sqft · 267 DOM
Sold · Jul ’26$630,000
5734 CATTLE RANCH DRIVE
5 bd · 4.5 ba · 3,542 sqft · $178/sqft · 108 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 5240 VILLA ROSA AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5240 VILLA ROSA AVENUE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
5240 VILLA ROSA AVENUE FAQs
What would the monthly payment be for 5240 VILLA ROSA AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,243/mo — principal and interest, the actual property-tax bill, the $77/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 5240 VILLA ROSA AVENUE?+
The association fee works out to $77 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5240 VILLA ROSA AVENUE?+
The most recent tax bill on record (2025) was $8,253. 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 5240 VILLA ROSA AVENUE?+
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 $575,000, this home is listed about 35% 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 5240 VILLA ROSA AVENUE?+
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 FANNIE HILLMAN & ASSOCIATES · Robert Aviles. MLS #O6410964.
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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