5447 PINE LILLY DRIVE, ST CLOUD, FL, 34771
Active0 days on marketListed Jul 23, 2026MLS #S5154082
About this home
5447 PINE LILLY DRIVE
Experience the perfect blend of modern design, comfort, and functionality in this beautifully maintained 4-bedroom, 3-bathroom home in the highly desirable Siena Reserve community of Saint Cloud. Thoughtfully designed with an open-concept floor plan, this home offers the ideal balance of spacious living and everyday convenience. A welcoming foyer leads into the expansive great room where the spacious living and dining areas flow effortlessly into the heart of the home—the stunning kitchen. Designed with both style and practicality in mind, it features quartz countertops, stainless steel appliances, white shaker cabinetry, a walk-in pantry, and an oversized center island with seating, making it the perfect space for entertaining or enjoying everyday meals. Luxury vinyl plank flooring extends throughout the main living areas, while plush carpet adds warmth and comfort to the bedrooms. Just off the living room, elegant double doors open to the private primary suite, creating a peaceful retreat complete with a tray ceiling, spacious walk-in closet, and an ensuite bathroom featuring dual vanities and a large walk-in shower. The remaining bedrooms are generously sized with similar layouts, offering plenty of natural light and flexibility for family, guests, or a home office. Two of the bedrooms are connected by a convenient Jack-and-Jill bathroom, providing both functionality and privacy. Sliding glass doors lead to the covered, screened lanai, providing the perfect place to relax year-round while overlooking the fully vinyl-fenced backyard with plenty of room for pets, play, gardening, or future outdoor living additions. Conveniently located near shopping, dining, schools, Lake Nona, Medical City, Orlando International Airport, and major highways, this home offers easy access to everything Central Florida has to offer. Residents enjoy access to a community clubhouse, swimming pool, and more! This exceptional home combines a functional layout, stylish finishes, and an unbeatable location, making it an opportunity you won't want to miss.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,020
Sqft
0.13 ac
Lot size
2
Garage
2023
Year built
One
Levels
$210
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.
$3,324 /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
$3,324/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
−0.8%
Days on market
0 vs 33 typical
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)
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1% below the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
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
Meivi Perez Basulto
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 5447 PINE LILLY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5447 PINE LILLY DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Meivi's phone and CRM.
Straight answers
5447 PINE LILLY DRIVE FAQs
What would the monthly payment be for 5447 PINE LILLY DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,324/mo — principal and interest, the actual property-tax bill, the $60/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 5447 PINE LILLY DRIVE?+
The association fee works out to $60 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5447 PINE LILLY DRIVE?+
The most recent tax bill on record (2025) was $4,971. 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 5447 PINE LILLY DRIVE?+
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 $425,000, this home is priced right at the St Cloud median.
Which schools are assigned to 5447 PINE LILLY DRIVE?+
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.
Listing courtesy of EXP REALTY LLC · Steve Pugh. MLS #S5154082.
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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