891 Ladyfish Trail St, Saint Cloud, FL, 34771
About This Home
What's Special: Flex Room | High Ceiling | 3-Car Garage. New Construction – February Completion! Built by America’s Most Trusted Homebuilder. Welcome to the Java at The Waters at Center Lake Ranch. This thoughtfully designed home offers 2,721 square feet of living space with 4 bedrooms, 3.5 bathrooms, and a 3-car garage. From the inviting porch, step into the foyer where the spacious great room comes into view, creating a warm and welcoming centerpiece. At the front of the home, two secondary bedrooms share a full bathroom, while a nearby study provides a quiet retreat. The open kitchen features a large island, ample counter space, and a corner pantry, all flowing seamlessly into the great room for easy entertaining. The first-floor primary suite includes a spa-inspired bathroom with dual vanities, a walk-in shower, and a generous walk-in closet. The Waters at Center Lake Ranch is part of a 2,050-acre master-planned community offering scenic trails, parks, and conservation areas, all just minutes from Lake Nona’s Medical City. Additional highlights include: pocket sliding glass door to covered lanai, tray ceilings, study, additional windows at dining room, gourmet kitchen. MLS#O6344947
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Completed
- New construction: Yes
- Year built: 2026
Materials
- Foundation: Slab
- Roof: Shingle
- Construction materials: Block,Concrete,Stone,Stucco
Other
- Builder model: Java
- Builder name: Taylor Morrison
Type & Style
- Home type: SingleFamily
- Architectural style: Craftsman
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Convection Oven,Cooktop,Dishwasher,Disposal,Electric Water Heater,Microwave,Range
- Laundry features: Inside
Bedroom2
- Features: Built-in Closet
- Level: First
Bedroom3
- Features: Built-in Closet
- Level: First
Bedroom4
- Features: Built-in Closet
- Level: First
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
Den
- Features: No Closet
- Level: First
Dining Room
- Features: No Closet
- Level: First
Features
- Open Floorplan
- Door features: Outdoor Grill,Outdoor Kitchen,Sliding Doors
- Flooring: Carpet,Luxury Vinyl,Tile
Great Room
- Features: No Closet
- Level: First
Heating & Cooling
- Heating features: Central
- Cooling features: Central Air
Interior Area
- Total structure area: 3,610
- Total interior livable area: 2,721 sqft
Kitchen
- Features: No Closet
- Level: First
Primary Bathroom
- Features: Shower No Tub,No Closet
- Level: First
Primary Bedroom
- Features: Walk-In Closet(s)
- Level: First
Property
Details
- Parcel number: NALOT103
- Zoning: RES
- Special condition: None
Features
- Levels: One
- Stories: 1
- Patio & porch: Front Porch,Other
- Exterior features: Balcony,Irrigation System,Outdoor Grill,Outdoor Kitchen
Lot
- Lot size: 7,200 sqft
Parking
- Total spaces: 3
- Parking features: Driveway,Garage Door Opener
- Has garage: Yes
- Attached garage spaces: 3
- Covered spaces: 3
- Has uncovered spaces: Yes
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Strong Wind
- Lightning
- Wildfire
- Hurricane
- Inland Flooding
- Tornado
How This Home’s Risks Compare
FEMA Declared Disasters in Osceola County and Florida
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $3,556 | $42,672 |
| Home Insurance * | $396 | $4,752 |
| Property Taxes | $445 | $5,340 |
| Electricity | $273 | $3,286 |
| Total | $4,670 | $56,040 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2025-09-17 | Listed for sale | $703,359 |
New Construction Spec
View on Zillow