6375 TOPSY TRAIL, ST CLOUD, FL, 34771
Active417 days on marketListed Jun 1, 2025MLS #O6306750
About this home
6375 TOPSY TRAIL
This stunning Elevated Lakefront home is a RARE find. Perfectly situated on Lake Lizzie with Conservation area on one side and Waterfront on the other. This 5-bedroom, 3-bathroom home invites Relaxation and Comfort. Enter from the stairs leading to the front door of this Completely Remodeled one-of-a-kind home and walk through the Entryway that leads into an open concept kitchen, dining and living area with vaulted wood ceilings and a Large Stone Wood Burning Fireplace. The area is light and bright with skylights and double French doors, with Hunter-Douglas (2019/2020) remote powered shades on the upper level. The Chef’s kitchen is well appointed, including quartz countertops, ceramic farmhouse sink, GE (‘Café’) double ovens, microwave, 5 burner gas stovetop and hood, Tru cabinets, Bosch dishwasher and built in pot filler. After dinner, relax and enjoy the sunsets and wildlife, on the large newly screened in porch. There are additional lake views on the unscreened decks with sliding glass doors off the dining area and the master suite. Take the spiral staircase to the In-Law apartment, complete with it’s own full-sized kitchen and bath. The apartment has it’s own Newly Screened Porch with a Large Swim Spa installed in 2021, West facing on the lake. The entire home is set up for Home Automation. The most recent Upgrades to the home include Metal Roof, Front Door, Attic Insulation for Energy Efficiency, Rebuilt Seawall, Fencing, Fire Pit. There is also a Generac 24kW generator installed in 2017 that seamlessly keeps power on throughout the home. There is a Community Boat Ramp Conveniently located adjacent to the property.
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
3,180
Sqft
0.77 ac
Lot size
2
Garage
1987
Year built
Two
Levels
$217
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 — not generic estimates.
$4,529 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,529/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+40.5%
Days on market
417 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 62% above 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
Linda Johnson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 6375 TOPSY TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6375 TOPSY TRAIL — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Linda's phone and CRM.
Straight answers
6375 TOPSY TRAIL FAQs
What would the monthly payment be for 6375 TOPSY TRAIL?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,529/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 6375 TOPSY TRAIL?+
The most recent tax bill on record (2024) was $4,649. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in St Cloud?+
At $689,900, this home is listed about 62% above the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 6375 TOPSY TRAIL?+
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.
The brief
Four things that matter here
01Positioned at the premium end
$689,900 runs 62% above the ST CLOUD 34771 median — but at 3,180 sqft it's also 61% larger than the typical St Cloud listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
417 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $975,000, now $689,900 — a $285K cut. The full history is in the market section below.
Listing courtesy of DALTON WADE INC · Andrew Dutka. MLS #O6306750.
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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