2523 WATER VALLEY DRIVE, St. Cloud, FL, 34771 | $589,000

Experience luxury, space, and energy efficiency in this beautifully upgraded 4-bedroom, 3-bath executive home located in the highly sought-after gated community of Lake Pointe at Toho. With $9, 000 in seller concessions and fully paid-off solar panels, this home offers incredible savings—lowering both upfront and long-term costs.

Perfect for both elegant entertaining and everyday family life, this home features a 3-way split floor plan that provides privacy and flexibility. Enter through a grand foyer that opens into formal living and dining rooms—ideal for hosting holidays or special gatherings. The heart of the home is a spacious gourmet kitchen with stainless steel appliances, 42” cabinets, an island, corner pantry, breakfast bar, and a sunny breakfast nook—all overlooking the large family room, making it easy to stay connected while cooking or entertaining. The private owner’s suite is a true retreat, featuring a bay window, two walk-in closets with mirrored doors, and a luxurious bath with a soaking tub, walk-in shower, dual vanities, and a separate water closet. A versatile flex room connects to the master—perfect for a nursery, home office, gym, or quiet reading space. Two secondary bedrooms share a full bath in their own wing, while the fourth bedroom is privately situated with access to the third full bath, making it ideal for guests or multigenerational living.

Upstairs, a massive 28x17 loft offers endless potential as a game room, man cave, play area, or homework room—plenty of space for a pool table, sectional, or media center. Set on a stately corner lot with low-maintenance landscaping, this home also includes a 3-car garage and pavered driveway. The energy-efficient design, upgraded insulation, and solar panels make this home as practical as it is beautiful.

Lake Pointe is a family-friendly, amenity-rich community featuring a swimming pool, two playgrounds, tennis and basketball courts, and walking trails along scenic East Lake Toho. Located just minutes from Lake Nona Medical City, Nemours Hospital, the VA Hospital, UCF College of Medicine, and Orlando International Airport, with easy access to 417 and all of Central Florida.

This home truly checks all the boxes—location, space, style, and savings. Don’t miss your chance to make it yours. Schedule your private tour today and ask about the seller-paid closing cost credit!

Features

  • Amenities: Basketball Court, Gated, Park, Playground, Pool, Tennis Court(s)
  • Rooms: 14
  • Bedrooms: 4
  • Baths: 3 full
  • Laundry: Inside, Laundry Room
  • Year Built: 2006
  • Garage: 3-car Driveway, Garage Door Opener
  • Heating: Electric, Solar
  • Cooling: Central Air
  • Approx Sq. Feet: 3,246
  • Acreage: 0.3
  • Est. Taxes: $7,182
  • HOA Fee: $400 Quarterly
  • Lot Desc: Corner Lot, Landscaped, Oversized Lot, Sidewalk
  • Elem. School: Narcoossee Elementary
  • Middle School: Narcoossee Middle
  • High School: Tohopekaliga High School
  • Pet Policy: Cats OK, Dogs OK
  • Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
  • MLS#: O6288868
  • Days on Market: 57 days
  • Website: https://www.raveis.com
    /prop/O6288868/2523watervalleydrive_stcloud_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 5/11/2025 2:13:56 AM)
Listing courtesy of KELLER WILLIAMS CLASSIC   Phone: 407-292-5400

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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2523 WATER VALLEY DRIVE, St. Cloud, FL, 34771

$589,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $471,200 $471,200 $471,200
Term 360 months 360 months 180 months
Initial Interest Rate** 6.500% 6.875% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 7.058% 7.063% 6.132%
Monthly Tax Payment $599 $599 $599
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,978 $3,095 $3,945
Total Monthly Payment $3,668 $3,785 $4,635

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.