6113 WATERFIELD WAY, ST CLOUD, FL, 34771
Active0 days on marketListed Aug 11, 2026MLS #O6432531
About this home
6113 WATERFIELD WAY
Escape to your own private pool retreat in this stunning 5-bedroom, 3-bath home tucked inside the gated Lake Lizzie Reserve community, offering 2,979 square feet of living space on over half an acre, fully fenced lot. Built in 2004, this two-story home features a 3-car garage and an entertainer's dream backyard. Step outside to the expansive screened lanai complete with a full outdoor kitchen, including a sink, ice machine, beverage fridge, griddle, and grill, plus two ceiling fans for year-round comfort. The sparkling saltwater pool showcases a pebble finish, a sun shelf for lounging, and a soothing bubbler feature. In the evenings, unwind next to twin propane fire bowls with cascading water accents and a waterfall feature, fed by a 100 lb propane tank. Inside, a large downstairs office offers the perfect work-from-home setup, while a versatile loft upstairs provides additional living space for a playroom, second living area, or reading nook. A private movie room offers built-in space for entertainment and relaxation. Major updates include a new roof, replaced water softener tank, replaced well pressure tank, and new wood-look tile flooring on the first floor, all completed in 2022. A concrete-bordered flower bed adds polished curb appeal to the landscaping. This home combines resort-style outdoor living with thoughtful interior spaces in a sought-after gated community.
Facts & features
The home at a glance
5
Bedrooms
2.5
Bathrooms
2,979
Sqft
0.54 ac
Lot size
3
Garage
2004
Year built
Two
Levels
$225
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.
$4,767 /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
$4,767/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
+17.7%
Days on market
0 vs 45 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
$412K → $392K
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 58% 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
Tanisha Sicardo
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 6113 WATERFIELD WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6113 WATERFIELD WAY — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Tanisha's phone and CRM.
Straight answers
6113 WATERFIELD WAY FAQs
What would the monthly payment be for 6113 WATERFIELD WAY?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,767/mo — principal and interest, the actual property-tax bill, the $159/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 6113 WATERFIELD WAY?+
The association fee works out to $159 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 6113 WATERFIELD WAY?+
The most recent tax bill on record (2025) was $6,978. 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 6113 WATERFIELD WAY?+
The listing reports pets: Cats OK, Dogs OK. 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 $669,998, this home is listed about 56% above the St Cloud median of $429,900. The market section on this page shows how the area is trending.
Which schools are assigned to 6113 WATERFIELD 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.
The brief
Three things that matter here
01Positioned at the premium end
$669,998 runs 58% above the ST CLOUD 34771 median — but at 2,979 sqft it's also 50% larger than the typical St Cloud listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Fresh on the market
Listed today in a St Cloud market that averages 45 — if it fits, move quickly.
Listing courtesy of ZEFF REALTY LLC, · Joshua Miller. MLS #O6432531.
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.
Never miss a listing
New St Cloud homes, in your inbox
Like 6113 WATERFIELD WAY but not quite? A daily digest of every new listing in St Cloud — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Tanisha to ping you on any price or status change →