$359,900
5264 Stephs Field Street
St Cloud, FL 34771
Listing updated: June 22, 2026 at 7:05 PM ET
Listing courtesy of Coldwell Banker Realty · Brigitte Elzarki · MLS #O6375769 · Active · 407-352-1040Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
Price improvement!! Great opportunity to own this two-story home located directly across from all amenities, offering 1,724 square feet of open-concept living with bright, spacious areas, a modern kitchen, three bedrooms, 2.5 bathrooms, a FLEX room convertible to a fourth bedroom for added entertainment space, and a private garage. The ground-floor open spaces accommodate diverse family activities in one place, while upper-floor carpets and private bedrooms ensure a comfortable family environment. Ready for immediate occupancy, the home features an oversized backyard with no rear neighbor, fencing options for privacy. House is situated in the desirable Silver Springs subdivision known for energy-efficient features that promote a healthier, relaxed lifestyle while saving thousands on utility costs. Restaurants, shopping malls, and grocery stores are just minutes away, making this home ideally located in a highly sought-after area of Saint Cloud. "When using our preferred lender, the buyer will receive a lender credit of the loan amount, which can be applied toward closing costs or an interest rate buydown."
Local Insight
At $209/sqft for a 2022 build in Silver Springs, you're getting solid new-construction value, though the 0.13-acre lot is tight and the $110 monthly HOA is a real cost to factor in over time. St. Cloud itself is genuinely positioned for growth with semiconductor jobs coming through NeoCity and Lake Nona spillover, which could work in your favor for resale, but this property's appeal hinges on whether you want that newer suburban density or would prefer more land breathing room—worth comparing to similar-age inventory further out on Osceola's edges.
AI-generated insight based on listing data and neighborhood context. Verify independently.
Estimated monthly payment
Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.
Price & listing history141 days on market
- Status: ActiveJun 22, 2026
- Listed$389,000Jan 21, 2026
- Price reduced$359,900
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 141
- Cumulative DOM
- 156
- Subdivision
- Silver Springs
- County
- Osceola
- Year built
- 2022
- Living area
- 1,724 sq ft
- Price/sq ft
- $209
- Building area
- 2,336 sq ft (Public Records)
- Lot size
- 5,663 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- x
- Garage
- 2 spaces
- Annual taxes
- $5,137 (2025)
- Parcel #
- 29-25-31-5036-0001-1560
- Zoning
- PUD
- MLS #
- O6375769
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Interior Details
- Bedrooms
- 3
- Full bathrooms
- 2
- Half bathrooms
- 1
- Flooring
- Carpet, Ceramic Tile
- Appliances
- Cooktop, Dishwasher, Disposal, Range, Refrigerator, Water Softener
- Interior features
- Kitchen/Family Room Combo, Living Room/Dining Room Combo, PrimaryBedroom Upstairs, Solid Surface Counters, Thermostat, Walk-In Closet(s)
- Laundry
- Inside, Laundry Closet, Upper Level
- Stories / Levels
- Two
- Direction faces
- North
Heating & Cooling
- Heating
- Central, Electric
- Cooling
- Central Air
Parking
- Garage spaces
- 2
- Attached garage
- Yes
HOA & Financial
- HOA fee
- $110 / Monthly
- Monthly HOA
- $110/mo
- Total monthly fees
- $110/mo
- Total annual fees
- $1,320
- HOA name
- Community Association Management / Joshua
- CDD
- No
- Min lease term
- 8-12 Months
- Listing terms
- Cash, Conventional, Trade, FHA, VA Loan
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- No
Exterior & Construction
- Exterior features
- Sidewalk
- Construction materials
- Block, Stucco
- Roof
- Shingle
- Foundation
- Slab
- Road surface
- Asphalt
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- Electricity Connected, Sewer Connected, Water Connected
Community
- Pets allowed
- Cats OK, Dogs OK
Schools
Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Great Room | First | 18x15 |
| Kitchen | First | 11x11 |
| Primary Bedroom | Second | 15x15 |
| Dinette | First | 9x7 |
| Loft | Second | 10x11 |
| Bedroom 2 | Second | 12x11 |
| Bedroom 3 | Second | 12x11 |
| Balcony/Porch/Lanai | First | 9x7 |
Listing Details
- Listing date
- 2026-01-21
- On market date
- 2026-01-21
- Original list price
- $389,000
- Occupant type
- Vacant
- Special conditions
- Real Estate Owned
- MLS area
- 34771 - St Cloud (Magnolia Square)
- Listing AOR
- Orlando Regional
- Status changed
- 2026-06-22
- Tax legal description
- SILVER SPRINGS PB 30 PGS 90-96 LOT 156
Flood risk
Minimal-risk area outside the mapped floodplain. Flood insurance is optional and typically low-cost.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
From 417 go south on Narcoossee Rd, turn left on Jones Rd, then right into Silver Springs Community then right on Stephs Field. Property will be on the left side
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Listings courtesy of Stellar MLS as distributed by MLS GRID
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.
Based on information submitted to the MLS GRID as of June 22, 2026 at 7:05 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
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