1389 LUMPINI STREET, ST CLOUD, FL, 34771
Active127 days on marketListed Apr 2, 2026MLS #O6390886
About this home
1389 LUMPINI STREET
Now Completed & Move-In Ready! Welcome to this beautifully designed corner-lot home in Center Lake Ranch in Saint Cloud. Built in 2025 by M/I Homes, this exceptional residence offers 4 bedrooms, 3 full bathrooms, 1 half bathroom, and approximately 2,780 square feet of thoughtfully designed living space—available at a compelling value compared to new construction. Upon entry, you are greeted by an impressive two-story foyer and an open-concept floor plan that seamlessly connects the living, dining, and kitchen areas, ideal for both everyday living and entertaining. The gourmet kitchen features abundant cabinetry, a walk-in pantry, and overlooks the main living space. Large sliding glass doors lead to a covered lanai, providing excellent natural light and indoor-outdoor living. The first floor includes a private bedroom with a full bathroom, perfect for guests, multigenerational living, or a home office. Upstairs, a spacious loft offers a versatile secondary living area, thoughtfully separating the secondary bedrooms from the owner’s suite. The primary suite features dual walk-in closets and a well-appointed en-suite bathroom. Additional highlights include a rear-load 2-car garage and a desirable CORNER LOT, offering enhanced privacy and curb appeal. Don’t miss this opportunity to own a move-in-ready home in one of Saint Cloud’s growing communities. Schedule your private showing today
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
2,780
Sqft
0.14 ac
Lot size
2
Garage
2025
Year built
Two
Levels
$180
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.
$3,635 /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
$3,635/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
−9.5%
$/sqft vs CENTER LAKE ON THE PARK
$180 vs $219
Days on market
127 vs 42 typical
Where $180/sqft sits among the 12 homes for sale in CENTER LAKE ON THE PARK
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 → $395K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
12 of 12
CENTER LAKE ON THE PARK have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 17% above the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 1389 LUMPINI STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$480,990
1389 LUMPINI STREET · same community
4 bd · 3.5 ba · 2,780 sqft · $173/sqft · 83 DOM
Sold · Nov ’25$445,990
5282 CENTER LAKE BOULEVARD · same community
4 bd · 3 ba · 2,543 sqft · $175/sqft · 88 DOM
Sold · Jul ’26$489,990
5348 CENTER LAKE RANCH BOULEVARD · same community
4 bd · 3 ba · 2,543 sqft · $193/sqft · 127 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.
Your agent
Nicholas Giaccone
Director of Agent Success · CENTURY 21 Edge
Tours, negotiation, and every question about 1389 LUMPINI STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1389 LUMPINI STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Nicholas's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1389 LUMPINI STREET FAQs
What would the monthly payment be for 1389 LUMPINI STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,635/mo — principal and interest, the actual property-tax bill, the $86/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 1389 LUMPINI STREET?+
The association fee works out to $86 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1389 LUMPINI STREET?+
The most recent tax bill on record (2025) was $2,692. 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 1389 LUMPINI STREET?+
The listing reports pets: Breed Restrictions, 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 $499,990, this home is listed about 16% above the St Cloud median of $429,675. The market section on this page shows how the area is trending.
Which schools are assigned to 1389 LUMPINI STREET?+
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
$499,990 runs 17% above the ST CLOUD 34771 median — but at 2,780 sqft it's also 40% larger than the typical St Cloud listing.
02Time on market is leverage
127 days on market against a St Cloud median of 42 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $510,000, now $499,990 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of INTERNATIONAL TEAM INC · Jean Dumet. MLS #O6390886.
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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