$465,000
1014 Top Minnow Road
St Cloud, FL 34771
Listing updated: October 2, 2026 at 12:09 PM ET
Listing courtesy of Exp Realty Llc · Ronald Fuenmayor · MLS #S5157301 · Active · 888-883-8509Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
Welcome to 1014 Top Minnow Rd, a beautifully designed home located in the desirable Waters at Center Lake Ranch community in St. Cloud. This spacious 3-bedroom, 3.5-bath residence offers approximately 1,989 square feet of thoughtfully designed living space, a 2-car garage, and a modern open-concept floor plan. The main level features a welcoming great room that flows seamlessly into the dining area and kitchen, creating an ideal space for everyday living and entertaining. The kitchen offers generous counter space, ample cabinetry, and a pantry for additional storage. The primary suite is conveniently located on the first floor and includes a private bath and walk-in closet. Upstairs, two additional bedrooms and a versatile loft provide plenty of flexibility for a home office, media area, game room, or additional living space. Enjoy Florida living from the covered lanai and take advantage of the community's impressive amenities, including a resort-style pool, playground, basketball court, dog park, walking trails, and recreational areas. Conveniently located near Narcoossee Road with easy access to Lake Nona, Medical City, shopping, dining, schools, Orlando International Airport, and major Central Florida roadways. Sale is subject to the assumption of the seller's existing loan. Buyer must qualify for and obtain lender approval for the loan assumption. Contact the listing agent for additional information regarding the assumption process and available loan terms. Don't miss the opportunity to make this beautiful St. Cloud home yours. Schedule your private showing today!
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 history19 days on market
- Status: ActiveSep 13, 2026
- Listed$465,000Sep 13, 2026
- Price increased$465,000
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 19
- Subdivision
- Waters/Center Lk Ranch Ph 1b
- County
- Osceola
- Year built
- 2025
- Living area
- 1,989 sq ft
- Price/sq ft
- $234
- Building area
- 2,514 sq ft (Public Records)
- Lot size
- 4,792 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- X (12097C0115G)
- Garage
- 2 spaces
- Annual taxes
- $2,615 (2025)
- Parcel #
- 29-25-31-0945-0001-1190
- Zoning
- X
- MLS #
- S5157301
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Interior Details
- Bedrooms
- 3
- Full bathrooms
- 3
- Half bathrooms
- 1
- Flooring
- Carpet, Laminate
- Appliances
- Disposal, Dryer, Electric Water Heater, Microwave, Range, Washer, Water Softener
- Interior features
- Other
- Laundry
- Inside
- Stories / Levels
- Two
- Direction faces
- East
Heating & Cooling
- Heating
- Central, Electric
- Cooling
- Central Air
Parking
- Garage spaces
- 2
- Attached garage
- Yes
HOA & Financial
- HOA fee
- $173 / Monthly
- Monthly HOA
- $173/mo
- Total monthly fees
- $173/mo
- Total annual fees
- $2,076
- HOA name
- Waters at Center Lake Ranch
- CDD
- No
- Min lease term
- 8-12 Months
- Listing terms
- Assumable
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- No
Exterior & Construction
- Construction materials
- Block, Stucco
- Roof
- Shingle
- Foundation
- Slab
- Road surface
- Asphalt
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- BB/HS Internet Available, Cable Available, Electricity Available, Phone Available, Sewer Available
Community
- Pets allowed
- No
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Kitchen | First | |
| Living Room | First | |
| Dining Room | First | |
| Primary Bedroom | Second | |
| Primary Bathroom | Second | |
| Bedroom 2 | Second | |
| Bedroom 3 | Second |
Listing Details
- Listing date
- 2026-09-08
- On market date
- 2026-09-13
- Original list price
- $465,000
- Occupant type
- Vacant
- MLS area
- 34771 - St Cloud (Magnolia Square)
- Listing AOR
- Sarasota - Manatee
- Status changed
- 2026-09-13
- Tax legal description
- WATERS AT CENTER LAKE RANCH PH 1B PB 35 PGS 161-174 LOT 119
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 FL-417, take Exit 22 for Narcoossee Rd/County Rd 15 and head south on Narcoossee Rd. Continue approximately 8 miles, then turn left onto Center Lake Ranch Blvd. Proceed through the first roundabout. At the second roundabout, take the third exit onto Twelve Oaks Rd and continue into The Waters at Center Lake Ranch. Follow community streets/signage to Top Minnow Rd and proceed to 1014 Top Minnow Rd.
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Listing provided by Stellar MLS
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 October 2, 2026 at 12:09 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.
All or a portion of the multiple listing information is provided by Stellar MLS, from a copyrighted compilation of listings. The compilation of listings and each individual listing are © 2026 Stellar MLS. All rights reserved.
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