Linda Johnson
$412,5003 bd2 ba1,863 sqft$221 /sqft$3,212 /mo all-in ↓

5087 TWIN LAKES BOULEVARD, ST CLOUD, FL, 34772

Active4 days on marketListed Jul 23, 2026MLS #O6426759

Single Family ResidenceTWIN LAKES PH 2A-2B

About this home

5087 TWIN LAKES BOULEVARD

Built in 2021 and meticulously maintained, this pristine, move-in ready 3-bedroom, 2-bath home offers the perfect private retreat. Beyond the front door, you’ll enjoy the vibrant resort-style lifestyle that makes Del Webb Twin Lakes one of Central Florida’s premier 55+ communities. Key features include: BRAND NEW AC, (2026), $6k wired Sonos speaker system throughout the living room and patio, fresh interior paint (2026), tankless water heater, stainless steel appliances, open floor plan, gas line, outdoor kitchen, built in wine fridge, large screened in patio with outdoor kitchen. Stepping inside this Captiva floor plan and through the foyer, it boasts a spacious, open floor plan with split bedrooms. The kitchen/living room area is the heart of the home and makes entertaining feel easy with extensive granite countertops/cabinetry, a large island ,a built in wine fridge, a fully wired $6k Sonos speaker system, and sliding panoramic doors to the screened in lanai that opens all the way up for premier entertaining. The oversized laundry room has plenty of counter space, a utility sink, and more than enough cabinets. The primary suite is spacious with tall, tray ceilings and leads directly to a spacious bathroom that will surely be your oasis. Dual sinks with plenty of counter space, and a large dual head shower. Through the bathroom is the oversized, walk in closet. Two additional bedrooms work well for guests, hobbies, or a quiet workspace, plus a two-car garage. Don’t be surprised if you spend most of your time on the patio. Sliding doors open all the way to a large screened-in lanai with an outdoor kitchen, made for easy mornings and Florida evenings. Out back, a large yard is wrapped in perimeter privacy hedges. Professional landscaping all around the exterior of the home add to its serene feel. All of this sits in Twin Lakes, St. Cloud's gated 55+ community on Live Oak Lake. This community really is a whole lifestyle with 40+ clubs and social events/activities to join! Enjoy a resort-style lifestyle with a lap pool and resort pool, jacuzzi, cabanas and grilling area, gym, saunas, meeting/event space, massive luxury clubhouse, pickleball court, tennis courts, putting greens, walking trails, and a community dock on Live Oak Lake with lake access, a shared pontoon boat, kayaks, fishing and MORE! Located near major roads and highways, the airport and just minutes from downtown St. Cloud. This home is a must see! Book your showing today!

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,863

Sqft

0.14 ac

Lot size

2

Garage

2021

Year built

One

Levels

$221

Per sqft

55+ community

Inside

FlooringCarpet · Ceramic Tile · Tile
AppliancesDishwasher · Disposal · Dryer · Microwave · Range · Range Hood · Refrigerator · Tankless Water Heater · Washer · Wine Refrigerator
InteriorCeiling Fan(s) · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · Primary Bedroom Main Floor · Split Bedroom · Tray Ceiling(s) · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
FacesWest
ExteriorIrrigation System · Outdoor Grill · Outdoor Kitchen · Sidewalk · Sliding Doors

Community & fees

HOA fee$310/mo
Taxes (2025)$1,570/yr
PetsBreed Restrictions
CommunityDock · Fishing · Lake · Buyer Approval Required · Clubhouse · Fitness Center · Gated Community - No Guard · Golf Carts OK · Pool · Sidewalks · Tennis Court(s)

Utilities & systems

UtilitiesBB/HS Internet Available · Electricity Available · Natural Gas Available · Sewer Available · Water Available
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.

$3,212 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,428
FHA mortgage insurance (est.)$182
Property tax — 2025 actual bill$131
HOA fee — from the listing$310
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $14,438Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $14,438
Interest rate6.00%
Loan term

Estimated payment

$3,212/mo

Principal & interest$2,428
FHA mortgage insurance (est.)$182
Property taxes (actual bill)$131
HOA / condo fee$310
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.

List $413K
$383KedgeAI estimate $408,539 · range $399K$444K$462K

vs edgeAI estimate

+1%

$/sqft vs TWIN LAKES PH 2A-2B

$221 vs $233

Days on market

4 vs 33 typical

Where $221/sqft sits among the 10 homes for sale in TWIN LAKES PH 2A-2B

4
1 · this home
3
0
1
1
$209–221$221–233$233–244$244–256$256–267$267+

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

Map of 5087 TWIN LAKES BOULEVARD

Drive times from this address

Universal Orlando41 min
Orlando Int’l Airport (MCO)41 min
Walt Disney World42 min
Downtown Orlando42 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know St Cloud. See the full St Cloud guide →

ST CLOUD 34772 — neighborhood snapshot

Population

33,542

Median age

39.9

Median income

$86,900

Median home value

$352,400

Avg household

3.05

Households w/ children

4,027

For the school run

Osceola County School District

ElementaryHickory Tree Elementary School★★★★★
MiddleSt. Cloud Middle School★★★★★
HighHarmony High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The St Cloud market

Seller’s marketBalanced6.2 months of inventoryBuyer’s market

$414K$400K

St Cloud median sold, yr/yr

98.4%

Sale-to-list ratio (12 mo)

1 of 10

TWIN LAKES PH 2A-2B have cut their price

Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 11% above the ST CLOUD 34772 median. See the full St Cloud market guide →

Paper trail

This home's history

Jul 23, 2026Listed at $412,500 · 4 days on market since
2021Built · TWIN LAKES PH 2A-2B

Reality check

What actually sold near 5087 TWIN LAKES BOULEVARD

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

2712 SOUTHLAND STREETSold · Feb ’26

$415,000

2712 SOUTHLAND STREET · same community

3 bd · 2 ba · 1,863 sqft · $223/sqft · 69 DOM

2772 SOUTHLAND STREETSold · Dec ’25

$499,900

2772 SOUTHLAND STREET · same community

3 bd · 2 ba · 1,863 sqft · $268/sqft · 79 DOM

2705 SOUTHLAND STREETSold · Dec ’25

$419,900

2705 SOUTHLAND STREET · same community

3 bd · 2 ba · 1,863 sqft · $225/sqft · 83 DOM

Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.

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.

Linda Johnson

Your agent

Linda Johnson

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 5087 TWIN LAKES BOULEVARD — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 5087 TWIN LAKES BOULEVARD — 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.

Goes straight to Linda’s phone and CRM.

Straight answers

5087 TWIN LAKES BOULEVARD FAQs

What would the monthly payment be for 5087 TWIN LAKES BOULEVARD?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,212/mo — principal and interest, the actual property-tax bill, the $310/mo association fee 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.

How much are the HOA fees at 5087 TWIN LAKES BOULEVARD?+

The association fee works out to $310 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 5087 TWIN LAKES BOULEVARD?+

The most recent tax bill on record (2025) was $1,570. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Are pets allowed at 5087 TWIN LAKES BOULEVARD?+

The listing reports pets: Breed Restrictions. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.

How does the price compare to other homes in St Cloud?+

At $412,500, this home is listed about 3% below the St Cloud median of $425,000. The market section on this page shows how the area is trending.

Which schools are assigned to 5087 TWIN LAKES BOULEVARD?+

Hickory Tree Elementary School (elementary), St. Cloud Middle School (middle), Harmony High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of ORANGE SLICE PROPERTIES · Ally Beloat. MLS #O6426759.

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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5087 TWIN LAKES BOULEVARD, ST CLOUD, FL — 3 Bed, 2 Bath — $412,500 | CENTURY 21 Edge