4924 RAYLENE WAY, ST CLOUD, FL, 34771
Active64 days on marketListed May 20, 2026MLS #S5150238
About this home
4924 RAYLENE WAY
Welcome to East Lake Reserve at Narcoosse, a gated community in the highly desirable Narcoossee corridor offering privacy, convenience, and exceptional amenities. This beautifully updated 3-bedroom, 2-bathroom home features 1,862 sq ft under air and 2,608 sq ft under roof with numerous recent upgrades throughout. Major improvements include a 2022 roof, NEW A/C, NEW water heater, NEW garage door, NEW kitchen appliances (dishwasher, microwave& range), NEW carpet, fresh interior paint, and fresh exterior paint. Making this home truly move-in ready. Enjoy added living space with the enclosed Florida room, perfect for entertaining, a home office, or relaxing year-round. Step outside to a rear paver patio overlooking the fully fenced backyard complete with a dedicated dog run. Residents of East Lake Reserve enjoy access to a community dock, basketball court and for an additional fee, “dry” RV and boat storage is available within the community. Conveniently located near Lake Nona, Medical City, top-rated schools, shopping, dining, and major roadways. Click "VIRTUAL TOUR LINK 2" for a 3-D walkthrough of this home!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,862
Sqft
0.35 ac
Lot size
2
Garage
2005
Year built
One
Levels
$228
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 and the real association fee — not generic estimates.
$3,393 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,393/mo
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.
vs edgeAI estimate
+4.6%
Days on market
64 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.
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 4924 RAYLENE WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4924 RAYLENE WAY — 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
4924 RAYLENE WAY FAQs
What would the monthly payment be for 4924 RAYLENE WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,393/mo — principal and interest, the actual property-tax bill, the $70/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 4924 RAYLENE WAY?+
The association fee works out to $70 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4924 RAYLENE WAY?+
The most recent tax bill on record (2025) was $5,681. 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 4924 RAYLENE WAY?+
The listing reports pets: Yes. 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 $425,000, this home is priced right at the St Cloud median.
Which schools are assigned to 4924 RAYLENE WAY?+
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.
Listing courtesy of IRON VALLEY REAL ESTATE OSCEOLA · Tiffany Licata. MLS #S5150238.
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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