Single Family Residence in CROSSPRAIRIE 32S, ST CLOUD · No CDD on record · Built 2026
CROSSPRAIRIE 32S · St Cloud, FL 34772 · Osceola County
Listing data updated October 10, 2026 at 5:02 AM ET · checked against the MLS hourly
4Bedrooms
2.5Bathrooms
2,071Sq Ft
2026Year Built
$169Per Sq Ft
GarageNew constructionNo CDD on recordFEMA Zone X4 bedrooms
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
10% below
$/sq ft vs community
$169 here vs $187 median sold (12 mo)
Buyer leverage
Strong seller market
under 1-month supply
Under 1 month
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~63 ft elevation
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 10, 2026, 5128 Natalia Drive in Crossprairie 32S, St Cloud is listed at $350,290 (2,071 sq ft, about $169 per sq ft). That sits within a few percent of Crossprairie 32S's median closed sale of $368,990 over the last 12 months (33 recorded sales). It came to market within the past week. Listing facts: new construction, HOA dues of $115/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
New construction — built 2026
2,071 sq ft of living area
Garage
Listed at $350,290 — recent neighborhood median sale price ~$368,990 (nearby sales; deemed reliable, not an appraisal)
Active listing
HOA $115/mo (per listing)
Listing description
About this home
Under Construction. The two-story Tahoe II features a modern design with room to grow. On the first floor, a versatile flex space is located off the entry, leading to an open-concept layout consisting of the kitchen and Great Room.
Four bedrooms can be found upstairs, including the luxe owner’s suite, which includes an en-suite bathroom and generous walk-in closet. A two-car garage completes the home. Every home comes with Lennar’s Everything’s Included® promise, which includes new appliances as well as quartz countertops, and more in the price of your home.
The Glades at Crossprairie is one of the most anticipated new communities. Residents will enjoy an amenity-rich lifestyle with access to a sparkling swimming pool, modern fitness center, playground, trails and dog park. With convenient proximity to the Turnpike, this community is a short drive from downtown Saint Cloud and an array of outdoor recreation destinations, including Lakefront Park and Cherokee Point Conservation Area.
Plus, the Lakefront Marina provides easy boat storage for endless fun on the water.
Description provided by LENNAR REALTY and reproduced from the MLS; not independently verified.
Listing courtesy of LENNAR REALTY · Listing agent: Ben Goldstein · 800-229-0611Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX 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 by the MLS to be accurate.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$350,290
Bed / bath4 / 2.5
Living area2,071 sq ft
Year built2026
Property typeSingle Family Residence
GarageYes
MLS #O6448674
Listing statusActive
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~63 ft
CountyOsceola
Area listings1 active · 4 under contract
Estimated first-year tax~$3,678/yr
CDD assessmentNone on record
HOA$115/mo
Calculated estimates
Price per sq ft$169
Estimated monthly payment$2,454
Insurance (illustrative)$1k–$2k/yr
Messtimate range$364,496 – $389,348
Comparable-sales median$368,990
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$2,454/mo
Principal & interest $1,940/mo79%
Taxes $306/mo12%
Insurance $92/mo4%
HOA $115/mo5%
$2,454/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$3,678/yr
Estimate: a typical Osceola effective rate applied to the list price before any exemptions. Florida bills change with reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$1k–$2k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$115/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~63 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Hazard risk
Natural hazard risk
FEMA National Risk Index for Osceola County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneRelatively High
Inland floodingRelatively Moderate
Heat waveRelatively Low
WildfireRelatively Moderate
TornadoRelatively High
LightningVery High
Strong windVery High
DroughtRelatively Low
HailVery Low
Cold waveRelatively Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · Crossprairie 32S St Cloud
Pricing & the Crossprairie 32S St Cloud market
How this home is priced against recent nearby sales, and where Crossprairie 32S St Cloud has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in Crossprairie 32S St Cloud
Each dot is a closed sale since 2026 (33 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). Stellar MLS closed sales.
Property timeline
This home’s history
2026BuiltPer public record
Oct 9, 2026First seen on movewithmomentum.comObserved at $350,290
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Transparency
Price & listing history
Listed for $350,290Momentum Realty · on market 0 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
6 closed sales in CROSSPRAIRIE 32S in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Sold Sep 2026
$363,990
5136 NATALIA DRIVE, ST CLOUD
4 / 2.5 bd/ba · 2,071 sq ft · $176/sq ft
Courtesy of LENNAR REALTY · View details →
Sold Sep 2026
$363,990
5136 NATALIA DRIVE, ST CLOUD
4 / 2.5 bd/ba · 2,071 sq ft · $176/sq ft
Courtesy of LENNAR REALTY · View details →
Sold Aug 2026
$389,590
5129 MARLBERRY COURT, ST CLOUD
4 / 2.5 bd/ba · 2,071 sq ft · $188/sq ft
Courtesy of LENNAR REALTY · View details →
Sold Aug 2026
$389,590
5129 MARLBERRY COURT, ST CLOUD
4 / 2.5 bd/ba · 2,071 sq ft · $188/sq ft
Courtesy of LENNAR REALTY · View details →
Sold Aug 2026
$375,990
5117 MARLBERRY COURT, ST CLOUD
4 / 2.5 bd/ba · 2,071 sq ft · $182/sq ft
Courtesy of LENNAR REALTY · View details →
Sold Aug 2026
$375,990
5117 MARLBERRY COURT, ST CLOUD
4 / 2.5 bd/ba · 2,071 sq ft · $182/sq ft
Courtesy of LENNAR REALTY · View details →
Median of these 6 sales: $368,990 ($187/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate™
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$364,496the mess$389,348
Stronger local evidence — 6 comparable closed sales in CROSSPRAIRIE 32S, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $350,290 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 7% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & finishes — as new construction, builder upgrades and finish level aren't in a sq ft number.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
Carrying costs & concessions — this home carries HOA dues of $115/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
3 active listings competing, 5 under contract
≈0.4 months of supply
12 closed here in the last 12 months
For reference, this home is listed at $350,290 ($169/sq ft). The list price is the seller's asking price and is not derived from this range.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 2,071 sq ft × $176–$188/sq ft (interquartile band of 6 comparable closed sales in CROSSPRAIRIE 32S, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 10, 2026.
Momentum Scores
Momentum Property Score
73/100
Strongest on: Flood safety (95), Market liquidity (94)
0 limited50100 exceptional
73/100 is strong across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area74
This home $169/sq ft vs the community 12-month median $187/sq ft.
Affordability58
List price $350,290 vs the community median $368,990. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~63 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2026 build. Obtain a property-specific quote.
Market liquidity94
Community median 9 days on market, ~0.4 months of supply (12-month record).
Pricing power36
Recent sales closed at about 100.9% of original asking (~-0.9% below). More room below asking generally favors buyers.
Coverage: 6 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟡 Asking $169 per square foot, about 10% below the community’s $187 median. Crossprairie 32S St Cloud’s 12-month median sold price per square foot is $187. Confidence: Very High · 33 closed sales in 12 monthsMLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
0% of homes in Crossprairie 32S St Cloud are owner-occupied. An estimated 100% are non-owner-occupied, including 0% held in a company or trust and 100% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records). Community-level context.
Recent Crossprairie 32S St Cloud sales closed near 100.9% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Stellar MLS records, community-level, 12 months ending September 20, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 1 active listings in Crossprairie 32S St Cloud, no CDD assessment.
Updated October 10, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by LENNAR REALTY · MLS # O6448674
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Keep looking
Similar homes for sale near CROSSPRAIRIE 32S
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Sep 2026 · Development
Orange County commissioners approve Tuscana land use plan in Shingle Creek Basin on 4-3 vote
Commissioners voted 4-3 to approve the Tuscana land use application from Shingle Creek Co-Owners LLC and Geyer Development, reversing a unanimous rejection in May 2025. The plan includes more than 1,000 hotel rooms, about 4,000 apartments and commercial buildings, with conditions for a raised road, flood mitigation and wetland protection. The developer projects thousands of jobs at full build-out.
Why it matters: The approval could add substantial rental housing, hotel capacity and commercial space in the Shingle Creek area, while flood-mitigation conditions will shape how and when it is built. The site is about 6 miles northwest of Crossprairie 32s.
CFX holds public meetings on 14-mile toll road through part of Split Oak Forest
The Central Florida Expressway Authority held public meetings on Sept. 16 and 17 for a 14-mile road from State Road 417 near Boggy Creek Road in Orange County to Nova Road in Osceola County. CFX says portions could begin construction next year and that the road would ease traffic on Narcoossee Road. The agency faces a legal challenge from Orange County and is pursuing an eminent domain case.
Why it matters: If built, the road would add a new east-west route between Lake Nona and St. Cloud, changing commute options and access to east Orange and Osceola land. The site is about 11 miles east of Crossprairie 32s.
Plans for Mattel indoor water park near Lake Buena Vista Factory Stores expand to 13 acres
Updated plans for the site off State Road 535 show a 95,000-square-foot indoor water park designed by Martin Aquatic, a separate 45,000-square-foot entertainment building and nearly 900 parking spaces. The tower height rises to as much as 100 feet and still needs Orange County approval. About 200 jobs are expected, and no opening date has been announced.
Why it matters: The project would add visitor attractions, dining and roughly 200 jobs near the State Road 535 corridor, with added traffic and parking demand nearby. The site is about 9 miles northwest of Crossprairie 32s.
St. Cloud council approves $6.7 million downtown apartment and parking garage agreement
The City Council unanimously approved an agreement with Atlantic Housing Partners for apartments and a parking garage next to City Hall. The Community Redevelopment Agency contributes $6.25 million and the city $460,000. The garage would hold 450 to 500 spaces, with 250 reserved for apartment residents.
Why it matters: New downtown rental housing and public parking would add residents and parking capacity to the St. Cloud core. The project is about 9 miles southeast of Crossprairie 32s, elsewhere in Osceola County.
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Schools currently assigned to this address in Osceola County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
GRADEC
Neptune ElementaryAssigned elementary school · Osceola County School District · Grade C (Florida DOE 2025-26)
GRADEA
Neptune Middle (6-8)Assigned middle school · Osceola County School District · Grade A (Florida DOE 2025-26)
GRADEC
St. Cloud High SchoolAssigned high school · Osceola County School District · Grade C (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
City
ST CLOUD
Groceries, dining, and parks for this city — see the city guide.
Items worth confirming for 5128 Natalia Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
New construction: get the builder's warranty terms and the certificate of occupancy in writing, and ask which finishes shown are upgrades.
HOA dues are listed at $115/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
Get a homeowners insurance quote for this specific address in Osceola County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 2,071 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $3,678/yr) assumes reassessment at the list price; the seller's current bill is not a guide Exemptions and portability change the actual bill — confirm with the county property appraiser.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Provenance
Data sources & freshness
Listing record
Stellar MLS, checked against the MLS hourly (last: October 10, 2026)
Comparable sales
Stellar MLS closed sales in CROSSPRAIRIE 32S, last 18 months, as of September 20, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Typical county effective rate applied to the list price; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 5128 Natalia Drive and when was it built?
Per the listing record, 5128 Natalia Drive was built in 2026 and has 2,071 sq ft of living area, 4 bedrooms and 2.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 5128 Natalia Drive in?
5128 Natalia Drive is in Crossprairie 32S in St Cloud, Osceola County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 5128 Natalia Drive have an HOA, and how much are the dues?
The listing reports HOA dues of $115 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 5128 Natalia Drive differ from the current owner's?
The estimate on this page (about $3,678 per year) assumes reassessment at the list price less the homestead exemption. Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 5128 Natalia Drive in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 5128 NATALIA DRIVE in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is 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. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
