$379,900
390 Windy Willow Way
St Cloud, FL 34771
Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
New Price! POSSIBLE 4.99% ASSUMABLE MORTGAGE OPPORTUNITY (SUBJECT TO LENDER APPROVAL AND BUYER QUALIFICATION). This rare financing opportunity may allow eligible buyers to secure a significantly lower interest rate compared to current market rates—offering substantial potential monthly savings and increased purchasing power. Better than new and thoughtfully upgraded, this beautifully maintained two-story home is located in The Crossings community in St. Cloud. Built just two years ago, this spacious residence offers approximately 1,946 square feet of living space, featuring 3 bedrooms, 2.5 bathrooms, a versatile loft, and a 2-car garage—combining modern design with true move-in-ready convenience. The open-concept first floor creates an inviting environment ideal for both everyday living and entertaining. The stylish gourmet kitchen showcases quartz countertops, shaker-style wood cabinetry, Samsung stainless steel appliances, a pantry, and a designer backsplash that adds a custom, elevated touch. The kitchen flows seamlessly into the spacious gathering room, creating a comfortable and functional layout. Enhanced beyond builder-grade finishes, the home features updated modern lighting fixtures and ceiling fans throughout, adding both style and comfort. The main living areas and bathrooms are finished with luxury vinyl plank flooring, while the bedrooms offer stain-resistant carpeting for added warmth and durability. Upstairs, the thoughtfully designed layout includes three generously sized bedrooms and a versatile loft—ideal for a home office, media space, or additional living area. The owner’s suite offers a spacious walk-in closet, linen storage, and a private en-suite bath complete with dual vanities and a tiled shower. Situated in a prime location, The Crossings is nestled within the rapidly expanding growth corridor between Lake Nona and NeoCity—two of Central Florida’s most innovative and high-growth areas. With continued development throughout Osceola County and St. Cloud, this location offers strong potential for long-term value and future equity growth. Enjoy the benefits of a nearly new home with upgrades already completed—without the wait, stress, or additional expenses of new construction. THIS IS A WINDOW OF OPPORTUNITY YOU WON’T WANT TO MISS.
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 history57 days on market
- Status: ActiveMar 19, 2026
- Listed$394,900Mar 19, 2026
- Price reduced$379,900
Virtual Tour
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 57
- Subdivision
- Crossings Ph 1
- County
- Osceola
- Year built
- 2024
- Living area
- 1,955 sq ft
- Price/sq ft
- $194
- Building area
- 2,548 sq ft (Public Records)
- Lot size
- 3,485 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- X (12097C0115G)
- Garage
- 2 spaces
- Annual taxes
- $7,622 (2025)
- Parcel #
- 22-25-31-3661-0001-2620
- Zoning
- PUD
- MLS #
- TB8488443
Interior Details
- Bedrooms
- 3
- Full bathrooms
- 2
- Half bathrooms
- 1
- Flooring
- Carpet, Luxury Vinyl
- Appliances
- Dishwasher, Disposal, Microwave, Range, Refrigerator
- Interior features
- Ceiling Fans(s), High Ceilings, In Wall Pest System, Living Room/Dining Room Combo, Open Floorplan, PrimaryBedroom Upstairs, Split Bedroom, Thermostat, Walk-In Closet(s), Window Treatments
- Laundry
- Electric Dryer Hookup, Laundry Room, Washer Hookup
- Stories / Levels
- Two
- Direction faces
- East
Heating & Cooling
- Heating
- Central
- Cooling
- Central Air
Parking
- Garage spaces
- 2
- Attached garage
- Yes
HOA & Financial
- HOA fee
- $115 / Annually
- Monthly HOA
- $10/mo
- Total monthly fees
- $10/mo
- Total annual fees
- $115
- HOA name
- Mikayla Miller
- CDD
- Yes
- Min lease term
- 1-2 Years
- Listing terms
- Assumable, Cash, Conventional, FHA, VA Loan
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- Yes
- Additional lease restrictions
- As per HOA restrictions and county ordinances.
- Approval process
- Verify with HOA
Exterior & Construction
- Exterior features
- Lighting, Other, Sidewalk
- Construction materials
- Block, Stucco
- Roof
- Shingle
- Foundation
- Block
- Road surface
- Asphalt
Utilities
- Sewer
- Public Sewer
- Water source
- None
- Utilities
- Cable Available, Electricity Connected, Public, Sewer Connected
Community
- Pets allowed
- Breed Restrictions, Cats OK, Dogs OK, Number Limit, Yes
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 |
|---|---|---|
| Kitchen | First | 13x12 |
| Living Room | First | 14x12 |
| Primary Bedroom | Second | 15x14 |
Listing Details
- Listing date
- 2026-03-19
- On market date
- 2026-03-19
- Original list price
- $394,900
- Occupant type
- Owner
- MLS area
- 34771 - St Cloud (Magnolia Square)
- Listing AOR
- Suncoast Tampa
- Status changed
- 2026-03-19
- Tax legal description
- CROSSINGS PH 1 PB 33 PGS 53-60 LOT 262
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 Lake Nona/Narcoossee Rd, head south toward St. Cloud. Turn left onto Jack Brack Rd, then right onto Zuni Rd. Continue straight and turn left onto Windy Willow Way. The home will be on the left.
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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 May 15, 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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