5692 STEPHENS ROAD, ST CLOUD, FL, 34771
Active86 days on marketListed Apr 26, 2026MLS #S5148616
About this home
5692 STEPHENS ROAD
WELCOME TO THIS SPACIOUS AND VERSATILE 3BD/2BA + DEN/OFFICE HOME WITH INDEPENDENT NEXT GEN 1BD/1BA SUITE IN BRIDGEWALK: This thoughtfully designed home offers TWO COMPLETELY DIFFERENT SPACES, each with its OWN KITCHEN, BATHROOM, WASHER/DRYER, and SEPARATE ENTRANCE. The main residence features an open-concept living and dining area connected to a modern kitchen, a flexible den/office, and a comfortable primary suite with dual-sink bath and walk-in shower. The attached Next Gen suite functions as a true second home—perfect for extended family members, guests, or a private office setup—providing its own living room, kitchenette, bedroom, and full bath. A covered patio extends the living space outdoors for relaxation and gatherings. Bridgewalk residents enjoy RESORT-STYLE AMENITIES including a pool, clubhouse, gym, pickleball courts, playground, and a navigable lake with boat ramp for kayaking, paddleboarding, or fishing.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,099
Sqft
0.14 ac
Lot size
2
Garage
2024
Year built
One
Levels
$236
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.
$4,208 /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
$4,208/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
+1.2%
$/sqft vs St Cloud actives
$236 vs $220
Days on market
86 vs 33 typical
Where $236/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)
193 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 17% 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 5692 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 · May ’26$500,000
6129 CITRUS GROVE COURT
3 bd · 2.5 ba · 2,077 sqft · $241/sqft · 331 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 5692 STEPHENS ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5692 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
5692 STEPHENS ROAD FAQs
What would the monthly payment be for 5692 STEPHENS ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,208/mo — principal and interest, the actual property-tax bill, the $180/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 5692 STEPHENS ROAD?+
The association fee works out to $180 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5692 STEPHENS ROAD?+
The most recent tax bill on record (2025) was $8,821. 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 5692 STEPHENS ROAD?+
The listing reports pets: Cats OK, Dogs OK. 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 $495,000, this home is listed about 16% 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 5692 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 CASAQUIERO LLC · Sergio Morante. MLS #S5148616.
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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