2499 CLIFF WAY, ST CLOUD, FL, 34771
Active159 days on marketListed Feb 11, 2026MLS #S5142657
About this home
2499 CLIFF WAY
$25,000 Price Reduction – Stunning Water View Home in Sunbridge!!Experience resort-style living in this beautifully upgraded 3-bedroom, 2-bath home with serene water views. Designed with comfort and style in mind, this newer home features tile flooring throughout—no carpet anywhere. The open-concept kitchen is a standout, showcasing quartz countertops, stainless steel appliances, a gas cooktop, double ovens, pull-out drawers, and a custom pantry with built-in shelving. A custom credenza and striking tinted glass front door add unique character and functionality. The spacious owner’s suite overlooks the water and includes a large walk-in closet and an upgraded walk-in shower with a built-in bench. Enjoy indoor-outdoor living on the extended, screened patio—perfect for relaxing while taking in peaceful water views. Additional upgrades include: Whole-house water filtration system, Laundry room with added cabinetry, epoxy-coated flooring in the garage, and an insulated garage door. Beyond the home, enjoy access to Sunbridge’s exceptional amenities. Enter through a guarded gatehouse and explore beautifully landscaped walking trails leading to the impressive 27,000 sq ft amenity center. Residents enjoy a resort-style zero-entry pool, resistance pool, jacuzzi, fitness center, sports courts, and a vibrant clubhouse featuring a tavern, theater, and creative studios. There’s even a dedicated dog park for your furry companions. All outdoor maintenance and internet are included—making for truly low-maintenance living. Washer and dryer do not convey.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,650
Sqft
0.11 ac
Lot size
2
Garage
2023
Year built
One
Levels
$276
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.
$3,652 /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
$3,652/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
−15.6%
$/sqft vs St Cloud actives
$276 vs $221
Days on market
159 vs 33 typical
Where $276/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% 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 2499 CLIFF WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$467,000
2547 CLIFF WAY · same community
3 bd · 2 ba · 1,650 sqft · $283/sqft · 9 DOM
Sold · Jan ’26$335,000
2578 CLIFF WAY · same community
2 bd · 2 ba · 1,584 sqft · $211/sqft · 119 DOM
Sold · Jan ’26$437,000
2469 CLIFF WAY · same community
2 bd · 2 ba · 1,405 sqft · $311/sqft · 38 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 2499 CLIFF WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2499 CLIFF WAY — 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
2499 CLIFF WAY FAQs
What would the monthly payment be for 2499 CLIFF WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,652/mo — principal and interest, the actual property-tax bill, the $431/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 2499 CLIFF WAY?+
The association fee works out to $431 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2499 CLIFF WAY?+
The most recent tax bill on record (2025) was $2,180. 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 2499 CLIFF WAY?+
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 $455,000, this home is listed about 7% 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 2499 CLIFF WAY?+
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.
The brief
Three things that matter here
01Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
02Time on market is leverage
159 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $479,980, now $455,000 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ORLANDO REGIONAL REALTY · Heike Knaus. MLS #S5142657.
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.
Never miss a listing
New St Cloud homes, in your inbox
Like 2499 CLIFF WAY but not quite? A daily digest of every new listing in St Cloud — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Steeve to ping you on any price or status change →