6098 WINDY LEAF ALY, ST CLOUD, FL, 34771
Active81 days on marketListed Apr 30, 2026MLS #S5148943
About this home
6098 WINDY LEAF ALY
Welcome to your new home in the highly desirable Amelia Groves community in St. Cloud! Built in 2023, this stunning two-story bungalow combines modern design, comfort, and an unbeatable location with a peaceful water view. Step inside to a spacious open-concept floor plan designed for both everyday living and entertaining. The heart of the home is the beautifully appointed kitchen, featuring a large center island, sleek stainless-steel appliances—including a range, refrigerator, dishwasher, and microwave—and plenty of cabinet space. The primary suite offers a relaxing retreat with a generous walk-in closet and a private en-suite bathroom complete with dual sinks and a stylish framed shower. On the main level, you’ll find a well-placed bedroom next to a full bathroom, complemented by a den/study across the way—ideal for flexible living or working from home. Upstairs, you'll also find a conveniently located laundry room for added ease.Thoughtful details throughout the home include cozy carpeted bedrooms, elegant tile flooring in wet areas and the main living spaces, and plenty of natural light. From the kitchen you have access to the covered screened patio that leads to the garage. Enjoy your morning coffee on the charming front porch or unwind in the evening while taking in the serene water view—perfect for relaxing or entertaining outdoors. This move-in ready home truly offers the perfect blend of style, functionality, and location.****Home square footage, taxes, lot sizes, and schools are to be independently verified.***
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,490
Sqft
0.11 ac
Lot size
2
Garage
2023
Year built
Two
Levels
$167
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.
$3,440 /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
$3,440/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
−19.7%
$/sqft vs AMELIA GROVES PH 1
$167 vs $206
Days on market
81 vs 33 typical
Where $167/sqft sits among the 7 homes for sale in AMELIA GROVES PH 1
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)
3 of 7
AMELIA GROVES PH 1 have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 2% 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 6098 WINDY LEAF ALY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$435,000
1616 GROVELINE ROAD · same community
4 bd · 3 ba · 2,258 sqft · $193/sqft · 9 DOM
Sold · Jul ’26$430,000
6085 FOREST PERCH DRIVE · same community
4 bd · 3 ba · 2,258 sqft · $190/sqft · 10 DOM
Sold · Oct ’25$440,000
6011 WILDLINE DRIVE · same community
4 bd · 3 ba · 2,230 sqft · $197/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 6098 WINDY LEAF ALY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6098 WINDY LEAF ALY — 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
6098 WINDY LEAF ALY FAQs
What would the monthly payment be for 6098 WINDY LEAF ALY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,440/mo — principal and interest, the actual property-tax bill, the $130/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 6098 WINDY LEAF ALY?+
The association fee works out to $130 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 6098 WINDY LEAF ALY?+
The most recent tax bill on record (2025) was $6,281. 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 6098 WINDY LEAF ALY?+
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 $415,000, this home is listed about 2% 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 6098 WINDY LEAF ALY?+
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 ALLEGIANT MANAGEMENT GROUP INC · Elizabeth Santiago Moyet. MLS #S5148943.
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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