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851 Arbor Green TRAIL

Saint Cloud, FL, 34771

For Sale $604,609 ($280.95 per Sq Ft)

$604,609 ($280.95 per Sq Ft)

☆☆☆☆☆★★★★★
Not Rated
(0)

3 Bedrooms
4 Bathrooms
2,152 Sq Ft
8,101 Sq Ft

Description

Under Construction. MLS#O6260663 REPRESENTATIVE PHOTOS ADDED. New Build ~ May Completion! Welcome to your luxury lifestyle in sunny St. Cloud, Florida, where every day feels like a getaway. In the exclusive, gated Esplanade at Center Lake Ranch, enjoy privacy, tranquility, and stunning nature views with just 300 homes. Esplanade offers resort-style living with a pool, spa, fitness center, and outdoor activities like pickleball and bocce. Concierge services and community events make it easy to connect and relax. Center Lake Ranch blends nature, convenience, and family, with walking trails, parks, and an 11-acre Central Park, all just minutes from major roads and the beauty of Old Florida.

Introducing the Farnese at Esplanade—a home that combines style, comfort, and sophistication. With 2,152 square feet of thoughtfully designed living space, this home features 3 bedrooms, 3 full baths, and 1 half bath, providing the perfect foundation for your vibrant Florida lifestyle. At the heart of the Farnese is a stunning designer kitchen with an expansive island, ideal for cooking and entertaining. The kitchen seamlessly flows into the great room and casual dining area, creating an inviting, open space. For more formal occasions, a separate dining room adds an extra touch of elegance. Step outside to the lanai, where you can relax and take in Florida’s awe-inspiring sunsets. The luxurious primary suite is your private sanctuary, complete with dual sinks, a spacious shower, and an oversized walk-in closet that’s sure to impress. Structural options added: Gourmet kitchen

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Amenities

Garage

Pool

Garden

Security System

Internet

Telephone

Heating

Fireplace

Balcony & Patio

TV / Cable

Laundry

Hardwood Floors

Spa

Air Conditioning

Solar Power

Floor Plan

Great Views

Natural Light

Quiet

Water View

Elevator

Guest Unit(s)

Furnished

220 Volt

Property Details

List Price	$604,609
Property Type	Single Family Homes
Usable Sqft	2,152
Number of Stories	0 stories
Parking Spots	2 spots
Year Built	2025
Last Sold	Unknown
Sold Price	Unknown
HOA Fees:	$396
Association Name:	The Waters at Center Lake Ranch HOA
Association Amenities:	Unknown

APN #	NA
MLS #	O6260663
Property ID	321127370
Lot Sqft	8,101
Zoning	RES
Days on Market	96
Original List Price	$627,605
Applicances	Built-In Oven, Cooktop, Dishwasher, Disposal, Gas Water Heater, Microwave, Tankless Water Heater%
Date Updated	March 24, 2025
Date Created	December 19, 2024

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Your payment
$4,395
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Estimated payment	$4,395 /mo
Loan amount	$604,609
Down payment	$0
Interest rate	7.5%
Loan term	30 years
Taxes & insurance included?	YES
Property tax	1.2%/YR
Homeowner's insurance	$67/mo
HOA dues	$0/mo

Payment Breakdown

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Your payment
$4,395
per month

Amortization

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Principal vs. interest

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Amortization Schedule

Over 360 months you will spend $916,816 in interest.

MONTH	PRINCIPAL & INTEREST	PRINCIPAL	INTEREST	PRINCIPAL REMAINING
1	$4,228	$449	$3,779	$604,160
2	$4,228	$452	$3,776	$603,708
3	$4,228	$455	$3,773	$603,253
4	$4,228	$458	$3,770	$602,795
5	$4,228	$461	$3,767	$602,335
6	$4,228	$463	$3,765	$601,871
7	$4,228	$466	$3,762	$601,405
8	$4,228	$469	$3,759	$600,936
9	$4,228	$472	$3,756	$600,464
10	$4,228	$475	$3,753	$599,989
11	$4,228	$478	$3,750	$599,511
12	$4,228	$481	$3,747	$599,029
13	$4,228	$484	$3,744	$598,545
14	$4,228	$487	$3,741	$598,058
15	$4,228	$490	$3,738	$597,568
16	$4,228	$493	$3,735	$597,075
17	$4,228	$496	$3,732	$596,579
18	$4,228	$499	$3,729	$596,079
19	$4,228	$503	$3,726	$595,577
20	$4,228	$506	$3,722	$595,071
21	$4,228	$509	$3,719	$594,562
22	$4,228	$512	$3,716	$594,050
23	$4,228	$515	$3,713	$593,535
24	$4,228	$518	$3,710	$593,017
25	$4,228	$522	$3,706	$592,495
26	$4,228	$525	$3,703	$591,970
27	$4,228	$528	$3,700	$591,442
28	$4,228	$531	$3,697	$590,911
29	$4,228	$535	$3,693	$590,376
30	$4,228	$538	$3,690	$589,838
31	$4,228	$542	$3,686	$589,296
32	$4,228	$545	$3,683	$588,751
33	$4,228	$548	$3,680	$588,203
34	$4,228	$552	$3,676	$587,651
35	$4,228	$555	$3,673	$587,096
36	$4,228	$559	$3,669	$586,537
37	$4,228	$562	$3,666	$585,975
38	$4,228	$566	$3,662	$585,409
39	$4,228	$569	$3,659	$584,840
40	$4,228	$573	$3,655	$584,268
41	$4,228	$576	$3,652	$583,691
42	$4,228	$580	$3,648	$583,111
43	$4,228	$584	$3,644	$582,528
44	$4,228	$587	$3,641	$581,941
45	$4,228	$591	$3,637	$581,350
46	$4,228	$595	$3,633	$580,755
47	$4,228	$598	$3,630	$580,157
48	$4,228	$602	$3,626	$579,555
49	$4,228	$606	$3,622	$578,949
50	$4,228	$610	$3,618	$578,339
51	$4,228	$613	$3,615	$577,726
52	$4,228	$617	$3,611	$577,109
53	$4,228	$621	$3,607	$576,488
54	$4,228	$625	$3,603	$575,863
55	$4,228	$629	$3,599	$575,234
56	$4,228	$633	$3,595	$574,601
57	$4,228	$637	$3,591	$573,964
58	$4,228	$641	$3,587	$573,324
59	$4,228	$645	$3,583	$572,679
60	$4,228	$649	$3,579	$572,030
61	$4,228	$653	$3,575	$571,377
62	$4,228	$657	$3,571	$570,721
63	$4,228	$661	$3,567	$570,060
64	$4,228	$665	$3,563	$569,394
65	$4,228	$669	$3,559	$568,725
66	$4,228	$673	$3,555	$568,052
67	$4,228	$678	$3,550	$567,374
68	$4,228	$682	$3,546	$566,692
69	$4,228	$686	$3,542	$566,006
70	$4,228	$690	$3,538	$565,315
71	$4,228	$695	$3,533	$564,621
72	$4,228	$699	$3,529	$563,922
73	$4,228	$703	$3,525	$563,218
74	$4,228	$708	$3,520	$562,510
75	$4,228	$712	$3,516	$561,798
76	$4,228	$717	$3,511	$561,081
77	$4,228	$721	$3,507	$560,360
78	$4,228	$726	$3,502	$559,634
79	$4,228	$730	$3,498	$558,904
80	$4,228	$735	$3,493	$558,169
81	$4,228	$739	$3,489	$557,430
82	$4,228	$744	$3,484	$556,685
83	$4,228	$749	$3,479	$555,937
84	$4,228	$753	$3,475	$555,183
85	$4,228	$758	$3,470	$554,425
86	$4,228	$763	$3,465	$553,662
87	$4,228	$768	$3,460	$552,895
88	$4,228	$772	$3,456	$552,122
89	$4,228	$777	$3,451	$551,345
90	$4,228	$782	$3,446	$550,563
91	$4,228	$787	$3,441	$549,776
92	$4,228	$792	$3,436	$548,984
93	$4,228	$797	$3,431	$548,187
94	$4,228	$802	$3,426	$547,385
95	$4,228	$807	$3,421	$546,579
96	$4,228	$812	$3,416	$545,767
97	$4,228	$817	$3,411	$544,950
98	$4,228	$822	$3,406	$544,128
99	$4,228	$827	$3,401	$543,301
100	$4,228	$832	$3,396	$542,468
101	$4,228	$838	$3,390	$541,631
102	$4,228	$843	$3,385	$540,788
103	$4,228	$848	$3,380	$539,940
104	$4,228	$853	$3,375	$539,086
105	$4,228	$859	$3,369	$538,228
106	$4,228	$864	$3,364	$537,364
107	$4,228	$869	$3,359	$536,494
108	$4,228	$875	$3,353	$535,619
109	$4,228	$880	$3,348	$534,739
110	$4,228	$886	$3,342	$533,853
111	$4,228	$891	$3,337	$532,961
112	$4,228	$897	$3,331	$532,064
113	$4,228	$903	$3,325	$531,162
114	$4,228	$908	$3,320	$530,254
115	$4,228	$914	$3,314	$529,340
116	$4,228	$920	$3,308	$528,420
117	$4,228	$925	$3,303	$527,495
118	$4,228	$931	$3,297	$526,564
119	$4,228	$937	$3,291	$525,627
120	$4,228	$943	$3,285	$524,684
121	$4,228	$949	$3,279	$523,735
122	$4,228	$955	$3,273	$522,780
123	$4,228	$961	$3,267	$521,820
124	$4,228	$967	$3,261	$520,853
125	$4,228	$973	$3,255	$519,880
126	$4,228	$979	$3,249	$518,902
127	$4,228	$985	$3,243	$517,917
128	$4,228	$991	$3,237	$516,926
129	$4,228	$997	$3,231	$515,929
130	$4,228	$1,003	$3,225	$514,925
131	$4,228	$1,010	$3,218	$513,915
132	$4,228	$1,016	$3,212	$512,899
133	$4,228	$1,022	$3,206	$511,877
134	$4,228	$1,029	$3,199	$510,848
135	$4,228	$1,035	$3,193	$509,813
136	$4,228	$1,042	$3,186	$508,771
137	$4,228	$1,048	$3,180	$507,723
138	$4,228	$1,055	$3,173	$506,668
139	$4,228	$1,061	$3,167	$505,607
140	$4,228	$1,068	$3,160	$504,539
141	$4,228	$1,075	$3,153	$503,465
142	$4,228	$1,081	$3,147	$502,383
143	$4,228	$1,088	$3,140	$501,295
144	$4,228	$1,095	$3,133	$500,200
145	$4,228	$1,102	$3,126	$499,098
146	$4,228	$1,109	$3,119	$497,990
147	$4,228	$1,116	$3,112	$496,874
148	$4,228	$1,123	$3,105	$495,752
149	$4,228	$1,130	$3,098	$494,622
150	$4,228	$1,137	$3,091	$493,486
151	$4,228	$1,144	$3,084	$492,342
152	$4,228	$1,151	$3,077	$491,191
153	$4,228	$1,158	$3,070	$490,033
154	$4,228	$1,165	$3,063	$488,868
155	$4,228	$1,173	$3,055	$487,695
156	$4,228	$1,180	$3,048	$486,515
157	$4,228	$1,187	$3,041	$485,328
158	$4,228	$1,195	$3,033	$484,133
159	$4,228	$1,202	$3,026	$482,931
160	$4,228	$1,210	$3,018	$481,721
161	$4,228	$1,217	$3,011	$480,504
162	$4,228	$1,225	$3,003	$479,279
163	$4,228	$1,233	$2,996	$478,047
164	$4,228	$1,240	$2,988	$476,807
165	$4,228	$1,248	$2,980	$475,559
166	$4,228	$1,256	$2,972	$474,303
167	$4,228	$1,264	$2,964	$473,039
168	$4,228	$1,272	$2,956	$471,768
169	$4,228	$1,279	$2,949	$470,488
170	$4,228	$1,287	$2,941	$469,201
171	$4,228	$1,296	$2,933	$467,905
172	$4,228	$1,304	$2,924	$466,602
173	$4,228	$1,312	$2,916	$465,290
174	$4,228	$1,320	$2,908	$463,970
175	$4,228	$1,328	$2,900	$462,642
176	$4,228	$1,336	$2,892	$461,305
177	$4,228	$1,345	$2,883	$459,960
178	$4,228	$1,353	$2,875	$458,607
179	$4,228	$1,362	$2,866	$457,246
180	$4,228	$1,370	$2,858	$455,875
181	$4,228	$1,379	$2,849	$454,497
182	$4,228	$1,387	$2,841	$453,109
183	$4,228	$1,396	$2,832	$451,713
184	$4,228	$1,405	$2,823	$450,308
185	$4,228	$1,414	$2,814	$448,895
186	$4,228	$1,422	$2,806	$447,472
187	$4,228	$1,431	$2,797	$446,041
188	$4,228	$1,440	$2,788	$444,601
189	$4,228	$1,449	$2,779	$443,152
190	$4,228	$1,458	$2,770	$441,693
191	$4,228	$1,467	$2,761	$440,226
192	$4,228	$1,477	$2,751	$438,749
193	$4,228	$1,486	$2,742	$437,263
194	$4,228	$1,495	$2,733	$435,768
195	$4,228	$1,504	$2,724	$434,264
196	$4,228	$1,514	$2,714	$432,750
197	$4,228	$1,523	$2,705	$431,227
198	$4,228	$1,533	$2,695	$429,694
199	$4,228	$1,542	$2,686	$428,151
200	$4,228	$1,552	$2,676	$426,599
201	$4,228	$1,562	$2,666	$425,038
202	$4,228	$1,572	$2,656	$423,466
203	$4,228	$1,581	$2,647	$421,885
204	$4,228	$1,591	$2,637	$420,294
205	$4,228	$1,601	$2,627	$418,692
206	$4,228	$1,611	$2,617	$417,081
207	$4,228	$1,621	$2,607	$415,460
208	$4,228	$1,631	$2,597	$413,829
209	$4,228	$1,642	$2,586	$412,187
210	$4,228	$1,652	$2,576	$410,535
211	$4,228	$1,662	$2,566	$408,873
212	$4,228	$1,673	$2,555	$407,201
213	$4,228	$1,683	$2,545	$405,518
214	$4,228	$1,694	$2,534	$403,824
215	$4,228	$1,704	$2,524	$402,120
216	$4,228	$1,715	$2,513	$400,405
217	$4,228	$1,725	$2,503	$398,680
218	$4,228	$1,736	$2,492	$396,943
219	$4,228	$1,747	$2,481	$395,196
220	$4,228	$1,758	$2,470	$393,438
221	$4,228	$1,769	$2,459	$391,669
222	$4,228	$1,780	$2,448	$389,889
223	$4,228	$1,791	$2,437	$388,098
224	$4,228	$1,802	$2,426	$386,296
225	$4,228	$1,814	$2,414	$384,482
226	$4,228	$1,825	$2,403	$382,657
227	$4,228	$1,836	$2,392	$380,821
228	$4,228	$1,848	$2,380	$378,973
229	$4,228	$1,859	$2,369	$377,113
230	$4,228	$1,871	$2,357	$375,242
231	$4,228	$1,883	$2,345	$373,360
232	$4,228	$1,895	$2,334	$371,465
233	$4,228	$1,906	$2,322	$369,559
234	$4,228	$1,918	$2,310	$367,640
235	$4,228	$1,930	$2,298	$365,710
236	$4,228	$1,942	$2,286	$363,768
237	$4,228	$1,954	$2,274	$361,813
238	$4,228	$1,967	$2,261	$359,847
239	$4,228	$1,979	$2,249	$357,868
240	$4,228	$1,991	$2,237	$355,876
241	$4,228	$2,004	$2,224	$353,873
242	$4,228	$2,016	$2,212	$351,856
243	$4,228	$2,029	$2,199	$349,827
244	$4,228	$2,042	$2,186	$347,786
245	$4,228	$2,054	$2,174	$345,732
246	$4,228	$2,067	$2,161	$343,664
247	$4,228	$2,080	$2,148	$341,584
248	$4,228	$2,093	$2,135	$339,491
249	$4,228	$2,106	$2,122	$337,385
250	$4,228	$2,119	$2,109	$335,266
251	$4,228	$2,133	$2,095	$333,133
252	$4,228	$2,146	$2,082	$330,987
253	$4,228	$2,159	$2,069	$328,828
254	$4,228	$2,173	$2,055	$326,655
255	$4,228	$2,186	$2,042	$324,469
256	$4,228	$2,200	$2,028	$322,269
257	$4,228	$2,214	$2,014	$320,055
258	$4,228	$2,228	$2,000	$317,827
259	$4,228	$2,242	$1,986	$315,585
260	$4,228	$2,256	$1,972	$313,330
261	$4,228	$2,270	$1,958	$311,060
262	$4,228	$2,284	$1,944	$308,776
263	$4,228	$2,298	$1,930	$306,478
264	$4,228	$2,313	$1,915	$304,166
265	$4,228	$2,327	$1,901	$301,839
266	$4,228	$2,342	$1,886	$299,497
267	$4,228	$2,356	$1,872	$297,141
268	$4,228	$2,371	$1,857	$294,770
269	$4,228	$2,386	$1,842	$292,384
270	$4,228	$2,401	$1,827	$289,984
271	$4,228	$2,416	$1,812	$287,568
272	$4,228	$2,431	$1,797	$285,138
273	$4,228	$2,446	$1,782	$282,692
274	$4,228	$2,461	$1,767	$280,231
275	$4,228	$2,477	$1,751	$277,754
276	$4,228	$2,492	$1,736	$275,262
277	$4,228	$2,508	$1,720	$272,754
278	$4,228	$2,523	$1,705	$270,231
279	$4,228	$2,539	$1,689	$267,692
280	$4,228	$2,555	$1,673	$265,137
281	$4,228	$2,571	$1,657	$262,566
282	$4,228	$2,587	$1,641	$259,979
283	$4,228	$2,603	$1,625	$257,376
284	$4,228	$2,619	$1,609	$254,757
285	$4,228	$2,636	$1,592	$252,121
286	$4,228	$2,652	$1,576	$249,469
287	$4,228	$2,669	$1,559	$246,800
288	$4,228	$2,686	$1,543	$244,114
289	$4,228	$2,702	$1,526	$241,412
290	$4,228	$2,719	$1,509	$238,693
291	$4,228	$2,736	$1,492	$235,957
292	$4,228	$2,753	$1,475	$233,203
293	$4,228	$2,770	$1,458	$230,433
294	$4,228	$2,788	$1,440	$227,645
295	$4,228	$2,805	$1,423	$224,840
296	$4,228	$2,823	$1,405	$222,017
297	$4,228	$2,840	$1,388	$219,177
298	$4,228	$2,858	$1,370	$216,319
299	$4,228	$2,876	$1,352	$213,443
300	$4,228	$2,894	$1,334	$210,549
301	$4,228	$2,912	$1,316	$207,637
302	$4,228	$2,930	$1,298	$204,706
303	$4,228	$2,949	$1,279	$201,758
304	$4,228	$2,967	$1,261	$198,791
305	$4,228	$2,986	$1,242	$195,805
306	$4,228	$3,004	$1,224	$192,801
307	$4,228	$3,023	$1,205	$189,778
308	$4,228	$3,042	$1,186	$186,736
309	$4,228	$3,061	$1,167	$183,675
310	$4,228	$3,080	$1,148	$180,595
311	$4,228	$3,099	$1,129	$177,496
312	$4,228	$3,119	$1,109	$174,377
313	$4,228	$3,138	$1,090	$171,239
314	$4,228	$3,158	$1,070	$168,081
315	$4,228	$3,177	$1,051	$164,904
316	$4,228	$3,197	$1,031	$161,706
317	$4,228	$3,217	$1,011	$158,489
318	$4,228	$3,237	$991	$155,252
319	$4,228	$3,258	$970	$151,994
320	$4,228	$3,278	$950	$148,716
321	$4,228	$3,299	$929	$145,417
322	$4,228	$3,319	$909	$142,098
323	$4,228	$3,340	$888	$138,758
324	$4,228	$3,361	$867	$135,398
325	$4,228	$3,382	$846	$132,016
326	$4,228	$3,403	$825	$128,613
327	$4,228	$3,424	$804	$125,189
328	$4,228	$3,446	$782	$121,743
329	$4,228	$3,467	$761	$118,276
330	$4,228	$3,489	$739	$114,787
331	$4,228	$3,511	$717	$111,277
332	$4,228	$3,533	$695	$107,744
333	$4,228	$3,555	$673	$104,190
334	$4,228	$3,577	$651	$100,613
335	$4,228	$3,599	$629	$97,014
336	$4,228	$3,622	$606	$93,392
337	$4,228	$3,644	$584	$89,748
338	$4,228	$3,667	$561	$86,081
339	$4,228	$3,690	$538	$82,391
340	$4,228	$3,713	$515	$78,678
341	$4,228	$3,736	$492	$74,941
342	$4,228	$3,760	$468	$71,182
343	$4,228	$3,783	$445	$67,399
344	$4,228	$3,807	$421	$63,592
345	$4,228	$3,831	$397	$59,761
346	$4,228	$3,854	$374	$55,907
347	$4,228	$3,879	$349	$52,028
348	$4,228	$3,903	$325	$48,125
349	$4,228	$3,927	$301	$44,198
350	$4,228	$3,952	$276	$40,246
351	$4,228	$3,976	$252	$36,270
352	$4,228	$4,001	$227	$32,269
353	$4,228	$4,026	$202	$28,242
354	$4,228	$4,051	$177	$24,191
355	$4,228	$4,077	$151	$20,114
356	$4,228	$4,102	$126	$16,012
357	$4,228	$4,128	$100	$11,884
358	$4,228	$4,154	$74	$7,730
359	$4,228	$4,180	$48	$3,550
360	$4,228	$4,206	$22	$0

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