5786 STEPHENS ROAD, ST CLOUD, FL, 34771
Active33 days on marketListed Jun 18, 2026MLS #O6418299
About this home
5786 STEPHENS ROAD
This spacious two-story home offers five bedrooms, three bathrooms, and a two-car garage. Designed with an open-concept layout, it seamlessly connects the family room, dining area, and a contemporary kitchen featuring a center island and walk-in pantry. The first floor also includes a flexible room ideal for an office or playroom, a bedroom with a full bath — perfect for guests — and a large screened lanai for enjoying outdoor living in comfort. Upstairs, the private owner’s suite provides a luxurious retreat with a spacious walk-in closet and a beautifully appointed bath with an oversized shower. Two additional bedrooms, another full bathroom, a versatile bonus room, and a conveniently located laundry room complete the second floor. Every home comes with Lennar’s signature Everything’s Included® package, which means you’ll enjoy premium finishes like quartz countertops, stylish blinds, and a full suite of stainless steel appliances — all included in the price. Plus, advanced home automation features like keyless entry and video doorbells are part of the Connected Home by Lennar®. Located in the highly sought-after Bridge Walk community, residents can indulge in a host of resort-style amenities, including a luxurious swimming pool, a modern clubhouse with a top-tier fitness center, playgrounds, and basketball and volleyball courts — all just minutes from the scenic shores of Lake Ajay.
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
2,571
Sqft
0.14 ac
Lot size
2
Garage
2024
Year built
Two
Levels
$1
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$184 /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
$184/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.
$/sqft vs St Cloud actives
$1 vs $220
Days on market
33 vs 33 typical
Where $1/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
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)
192 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 99% 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 5786 STEPHENS ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’25$510,590
5621 WOOD BRIDGE PLACE · same community
4 bd · 2 ba · 1,850 sqft · $276/sqft · 0 DOM
Sold · Aug ’25$627,500
5672 WOOD BRIDGE PLACE · same community
5 bd · 4 ba · 3,798 sqft · $165/sqft · 22 DOM
Sold · Dec ’25$950,000
2746 ZUNI ROAD
5 bd · 4 ba · 2,573 sqft · $369/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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 5786 STEPHENS ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5786 STEPHENS ROAD — 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
5786 STEPHENS ROAD FAQs
What would the monthly payment be for 5786 STEPHENS ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $184/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 5786 STEPHENS ROAD?+
The listing reports pets: Cats OK, Dogs OK, 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 $3,300, this home is listed about 99% 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 5786 STEPHENS 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 DALTON WADE INC · Sreedevi Katasani. MLS #O6418299.
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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