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6403-shimmering-shores-ln,st-cloud,fl,34771

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6403 Shimmering Shores Ln

St Cloud, FL, 34771

For Sale $532,000 ($317.23 per Sq Ft)

$532,000 ($317.23 per Sq Ft)

☆☆☆☆☆★★★★★
Not Rated
(0)

3 Bedrooms
2 Bathrooms
1,677 Sq Ft
6,098 Sq Ft

Description

Experience luxury living at its finest in this stunning new construction home, perfectly situated on a premium waterfront lot in one of St. Cloud’s most sought-after 55+ communities, just minutes from Lake Nona and all it has to offer. This never-lived-in 3-bedroom, 2-bathroom home is loaded with over $48,000 in builder upgrades not including the $70,000 premium waterfront lot upgrade, offering an elegant and low-maintenance lifestyle with resort-style amenities and modern conveniences. From the moment you arrive, the home's elegant stone facade and paver driveway make a lasting impression. Inside, the open-concept floor plan features upgraded tile flooring throughout—no carpet anywhere—custom blinds, and a bright, airy atmosphere. The chef’s kitchen is a showstopper, boasting premium Level 3 and Level 4 selections, a gas cooktop, and high-end finishes, seamlessly flowing into the dining and living areas. The primary suite is a private retreat, complete with a TV hookup, a spa-like en-suite bathroom featuring an upgraded shower enclosure, and custom touches throughout. Additional upgrades include WiFi extenders installed throughout, a state-of-the-art alarm system, and pull-down attic stairs with added decking in the attic for convenient storage. Designed for maximum comfort and outdoor enjoyment, the paver patio is fully screened, allowing you to relax while taking in the peaceful waterfront views. Plus, outdoor gas and plumbing hookups make it ready for your dream outdoor kitchen. Best of all, the community provides all-inclusive landscaping and 1 Gbps high-speed internet included with your HOA dues, ensuring a hassle-free, connected lifestyle. Just steps away from this home is the clubhouse making this one of the best waterfront lots in the community, residents enjoy unmatched amenities, including a 27,000 SF clubhouse, coffee and juice bar, arts & crafts rooms, a tech and seminar room, event catering and demo kitchen, onsite tavern with a patio bar and grille pavilion, fitness center, aerobics/movement studio, ballroom with a performance stage, and a health & wellness center. Outdoor enthusiasts will love the resort-style zero-entry pool with lap lanes, a resistance pool and heated spa, outdoor fire pits, poolside hammocks, pickleball and tennis courts, a dog park, and an outdoor amphitheater with an event lawn. A manned gated entry and full-time lifestyle director add to the security and vibrant social atmosphere. Located just minutes from Lake Nona’s world-class shopping, dining, medical facilities, and entertainment, this move-in-ready, waterfront home is a rare find. Don’t miss your opportunity—schedule your private tour today!

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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	$532,000
Property Type	Single Family Homes
Usable Sqft	1,677
Number of Stories	0 stories
Parking Spots	2 spots
Year Built	2024
Last Sold	Unknown
Sold Price	Unknown
HOA Fees:	$426
Association Name:	Stacy Peach
Association Amenities:	Unknown

APN #	112531572200016140
MLS #	O6289147
Property ID	321357472
Lot Sqft	6,098
Zoning	00
Days on Market	10
Original List Price	$532,000
Applicances	Built-In Oven, Cooktop, Dishwasher, Disposal, Dryer, Electric Water Heater, Exhaust Fan, Microwave, Range Hood, Refrigerator, Washer%
Date Updated	March 15, 2025
Date Created	March 14, 2025

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Your payment
$3,887
per month

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Estimated payment	$3,887 /mo
Loan amount	$532,000
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
$3,887
per month

Amortization

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Principal vs. interest

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Amortization Schedule

Over 360 months you will spend $806,959 in interest.

MONTH	PRINCIPAL & INTEREST	PRINCIPAL	INTEREST	PRINCIPAL REMAINING
1	$3,720	$395	$3,325	$531,605
2	$3,720	$397	$3,323	$531,208
3	$3,720	$400	$3,320	$530,808
4	$3,720	$402	$3,318	$530,405
5	$3,720	$405	$3,315	$530,000
6	$3,720	$408	$3,313	$529,593
7	$3,720	$410	$3,310	$529,183
8	$3,720	$413	$3,307	$528,770
9	$3,720	$415	$3,305	$528,355
10	$3,720	$418	$3,302	$527,937
11	$3,720	$420	$3,300	$527,517
12	$3,720	$423	$3,297	$527,094
13	$3,720	$426	$3,294	$526,668
14	$3,720	$428	$3,292	$526,240
15	$3,720	$431	$3,289	$525,809
16	$3,720	$434	$3,286	$525,375
17	$3,720	$436	$3,284	$524,939
18	$3,720	$439	$3,281	$524,499
19	$3,720	$442	$3,278	$524,058
20	$3,720	$445	$3,275	$523,613
21	$3,720	$447	$3,273	$523,165
22	$3,720	$450	$3,270	$522,715
23	$3,720	$453	$3,267	$522,262
24	$3,720	$456	$3,264	$521,806
25	$3,720	$459	$3,261	$521,348
26	$3,720	$462	$3,258	$520,886
27	$3,720	$464	$3,256	$520,422
28	$3,720	$467	$3,253	$519,954
29	$3,720	$470	$3,250	$519,484
30	$3,720	$473	$3,247	$519,011
31	$3,720	$476	$3,244	$518,535
32	$3,720	$479	$3,241	$518,055
33	$3,720	$482	$3,238	$517,573
34	$3,720	$485	$3,235	$517,088
35	$3,720	$488	$3,232	$516,600
36	$3,720	$491	$3,229	$516,109
37	$3,720	$494	$3,226	$515,614
38	$3,720	$497	$3,223	$515,117
39	$3,720	$501	$3,219	$514,616
40	$3,720	$504	$3,216	$514,113
41	$3,720	$507	$3,213	$513,606
42	$3,720	$510	$3,210	$513,096
43	$3,720	$513	$3,207	$512,583
44	$3,720	$516	$3,204	$512,066
45	$3,720	$520	$3,200	$511,547
46	$3,720	$523	$3,197	$511,024
47	$3,720	$526	$3,194	$510,498
48	$3,720	$529	$3,191	$509,969
49	$3,720	$533	$3,187	$509,436
50	$3,720	$536	$3,184	$508,900
51	$3,720	$539	$3,181	$508,360
52	$3,720	$543	$3,177	$507,818
53	$3,720	$546	$3,174	$507,272
54	$3,720	$550	$3,170	$506,722
55	$3,720	$553	$3,167	$506,169
56	$3,720	$556	$3,164	$505,613
57	$3,720	$560	$3,160	$505,053
58	$3,720	$563	$3,157	$504,489
59	$3,720	$567	$3,153	$503,922
60	$3,720	$570	$3,150	$503,352
61	$3,720	$574	$3,146	$502,778
62	$3,720	$578	$3,142	$502,200
63	$3,720	$581	$3,139	$501,619
64	$3,720	$585	$3,135	$501,034
65	$3,720	$589	$3,131	$500,445
66	$3,720	$592	$3,128	$499,853
67	$3,720	$596	$3,124	$499,257
68	$3,720	$600	$3,120	$498,658
69	$3,720	$603	$3,117	$498,054
70	$3,720	$607	$3,113	$497,447
71	$3,720	$611	$3,109	$496,836
72	$3,720	$615	$3,105	$496,221
73	$3,720	$619	$3,101	$495,603
74	$3,720	$622	$3,098	$494,980
75	$3,720	$626	$3,094	$494,354
76	$3,720	$630	$3,090	$493,724
77	$3,720	$634	$3,086	$493,089
78	$3,720	$638	$3,082	$492,451
79	$3,720	$642	$3,078	$491,809
80	$3,720	$646	$3,074	$491,163
81	$3,720	$650	$3,070	$490,513
82	$3,720	$654	$3,066	$489,858
83	$3,720	$658	$3,062	$489,200
84	$3,720	$663	$3,058	$488,537
85	$3,720	$667	$3,053	$487,871
86	$3,720	$671	$3,049	$487,200
87	$3,720	$675	$3,045	$486,525
88	$3,720	$679	$3,041	$485,846
89	$3,720	$683	$3,037	$485,162
90	$3,720	$688	$3,032	$484,475
91	$3,720	$692	$3,028	$483,782
92	$3,720	$696	$3,024	$483,086
93	$3,720	$701	$3,019	$482,385
94	$3,720	$705	$3,015	$481,680
95	$3,720	$710	$3,011	$480,971
96	$3,720	$714	$3,006	$480,257
97	$3,720	$718	$3,002	$479,539
98	$3,720	$723	$2,997	$478,816
99	$3,720	$727	$2,993	$478,088
100	$3,720	$732	$2,988	$477,356
101	$3,720	$737	$2,983	$476,620
102	$3,720	$741	$2,979	$475,879
103	$3,720	$746	$2,974	$475,133
104	$3,720	$750	$2,970	$474,382
105	$3,720	$755	$2,965	$473,627
106	$3,720	$760	$2,960	$472,868
107	$3,720	$765	$2,955	$472,103
108	$3,720	$769	$2,951	$471,334
109	$3,720	$774	$2,946	$470,559
110	$3,720	$779	$2,941	$469,780
111	$3,720	$784	$2,936	$468,997
112	$3,720	$789	$2,931	$468,208
113	$3,720	$794	$2,926	$467,414
114	$3,720	$799	$2,921	$466,615
115	$3,720	$804	$2,916	$465,812
116	$3,720	$809	$2,911	$465,003
117	$3,720	$814	$2,906	$464,189
118	$3,720	$819	$2,901	$463,371
119	$3,720	$824	$2,896	$462,547
120	$3,720	$829	$2,891	$461,718
121	$3,720	$834	$2,886	$460,883
122	$3,720	$839	$2,881	$460,044
123	$3,720	$845	$2,875	$459,199
124	$3,720	$850	$2,870	$458,349
125	$3,720	$855	$2,865	$457,494
126	$3,720	$861	$2,859	$456,633
127	$3,720	$866	$2,854	$455,767
128	$3,720	$871	$2,849	$454,896
129	$3,720	$877	$2,843	$454,019
130	$3,720	$882	$2,838	$453,136
131	$3,720	$888	$2,832	$452,248
132	$3,720	$893	$2,827	$451,355
133	$3,720	$899	$2,821	$450,456
134	$3,720	$905	$2,815	$449,551
135	$3,720	$910	$2,810	$448,641
136	$3,720	$916	$2,804	$447,725
137	$3,720	$922	$2,798	$446,803
138	$3,720	$927	$2,793	$445,876
139	$3,720	$933	$2,787	$444,942
140	$3,720	$939	$2,781	$444,003
141	$3,720	$945	$2,775	$443,058
142	$3,720	$951	$2,769	$442,107
143	$3,720	$957	$2,763	$441,151
144	$3,720	$963	$2,757	$440,188
145	$3,720	$969	$2,751	$439,219
146	$3,720	$975	$2,745	$438,244
147	$3,720	$981	$2,739	$437,263
148	$3,720	$987	$2,733	$436,276
149	$3,720	$993	$2,727	$435,283
150	$3,720	$999	$2,721	$434,283
151	$3,720	$1,006	$2,714	$433,278
152	$3,720	$1,012	$2,708	$432,266
153	$3,720	$1,018	$2,702	$431,247
154	$3,720	$1,025	$2,695	$430,223
155	$3,720	$1,031	$2,689	$429,191
156	$3,720	$1,038	$2,682	$428,154
157	$3,720	$1,044	$2,676	$427,110
158	$3,720	$1,051	$2,669	$426,059
159	$3,720	$1,057	$2,663	$425,002
160	$3,720	$1,064	$2,656	$423,938
161	$3,720	$1,070	$2,650	$422,868
162	$3,720	$1,077	$2,643	$421,791
163	$3,720	$1,084	$2,636	$420,707
164	$3,720	$1,091	$2,629	$419,617
165	$3,720	$1,097	$2,623	$418,519
166	$3,720	$1,104	$2,616	$417,415
167	$3,720	$1,111	$2,609	$416,304
168	$3,720	$1,118	$2,602	$415,186
169	$3,720	$1,125	$2,595	$414,061
170	$3,720	$1,132	$2,588	$412,928
171	$3,720	$1,139	$2,581	$411,789
172	$3,720	$1,146	$2,574	$410,643
173	$3,720	$1,153	$2,567	$409,489
174	$3,720	$1,161	$2,559	$408,329
175	$3,720	$1,168	$2,552	$407,161
176	$3,720	$1,175	$2,545	$405,985
177	$3,720	$1,183	$2,537	$404,803
178	$3,720	$1,190	$2,530	$403,613
179	$3,720	$1,197	$2,523	$402,416
180	$3,720	$1,205	$2,515	$401,211
181	$3,720	$1,212	$2,508	$399,998
182	$3,720	$1,220	$2,500	$398,778
183	$3,720	$1,228	$2,492	$397,551
184	$3,720	$1,235	$2,485	$396,315
185	$3,720	$1,243	$2,477	$395,072
186	$3,720	$1,251	$2,469	$393,821
187	$3,720	$1,259	$2,461	$392,563
188	$3,720	$1,266	$2,454	$391,296
189	$3,720	$1,274	$2,446	$390,022
190	$3,720	$1,282	$2,438	$388,740
191	$3,720	$1,290	$2,430	$387,449
192	$3,720	$1,298	$2,422	$386,151
193	$3,720	$1,307	$2,413	$384,844
194	$3,720	$1,315	$2,405	$383,529
195	$3,720	$1,323	$2,397	$382,206
196	$3,720	$1,331	$2,389	$380,875
197	$3,720	$1,340	$2,380	$379,536
198	$3,720	$1,348	$2,372	$378,188
199	$3,720	$1,356	$2,364	$376,832
200	$3,720	$1,365	$2,355	$375,467
201	$3,720	$1,373	$2,347	$374,093
202	$3,720	$1,382	$2,338	$372,711
203	$3,720	$1,391	$2,329	$371,321
204	$3,720	$1,399	$2,321	$369,922
205	$3,720	$1,408	$2,312	$368,514
206	$3,720	$1,417	$2,303	$367,097
207	$3,720	$1,426	$2,294	$365,671
208	$3,720	$1,435	$2,285	$364,237
209	$3,720	$1,444	$2,276	$362,793
210	$3,720	$1,453	$2,267	$361,341
211	$3,720	$1,462	$2,258	$359,879
212	$3,720	$1,471	$2,249	$358,408
213	$3,720	$1,480	$2,240	$356,928
214	$3,720	$1,489	$2,231	$355,439
215	$3,720	$1,499	$2,221	$353,941
216	$3,720	$1,508	$2,212	$352,433
217	$3,720	$1,517	$2,203	$350,915
218	$3,720	$1,527	$2,193	$349,389
219	$3,720	$1,536	$2,184	$347,852
220	$3,720	$1,546	$2,174	$346,306
221	$3,720	$1,556	$2,164	$344,751
222	$3,720	$1,565	$2,155	$343,186
223	$3,720	$1,575	$2,145	$341,610
224	$3,720	$1,585	$2,135	$340,026
225	$3,720	$1,595	$2,125	$338,431
226	$3,720	$1,605	$2,115	$336,826
227	$3,720	$1,615	$2,105	$335,211
228	$3,720	$1,625	$2,095	$333,586
229	$3,720	$1,635	$2,085	$331,951
230	$3,720	$1,645	$2,075	$330,306
231	$3,720	$1,656	$2,064	$328,650
232	$3,720	$1,666	$2,054	$326,984
233	$3,720	$1,676	$2,044	$325,308
234	$3,720	$1,687	$2,033	$323,621
235	$3,720	$1,697	$2,023	$321,924
236	$3,720	$1,708	$2,012	$320,216
237	$3,720	$1,719	$2,001	$318,497
238	$3,720	$1,729	$1,991	$316,768
239	$3,720	$1,740	$1,980	$315,027
240	$3,720	$1,751	$1,969	$313,276
241	$3,720	$1,762	$1,958	$311,514
242	$3,720	$1,773	$1,947	$309,741
243	$3,720	$1,784	$1,936	$307,957
244	$3,720	$1,795	$1,925	$306,162
245	$3,720	$1,806	$1,914	$304,355
246	$3,720	$1,818	$1,902	$302,538
247	$3,720	$1,829	$1,891	$300,708
248	$3,720	$1,841	$1,879	$298,868
249	$3,720	$1,852	$1,868	$297,016
250	$3,720	$1,864	$1,856	$295,152
251	$3,720	$1,875	$1,845	$293,277
252	$3,720	$1,887	$1,833	$291,390
253	$3,720	$1,899	$1,821	$289,491
254	$3,720	$1,911	$1,809	$287,580
255	$3,720	$1,923	$1,797	$285,658
256	$3,720	$1,935	$1,785	$283,723
257	$3,720	$1,947	$1,773	$281,776
258	$3,720	$1,959	$1,761	$279,817
259	$3,720	$1,971	$1,749	$277,846
260	$3,720	$1,983	$1,737	$275,863
261	$3,720	$1,996	$1,724	$273,867
262	$3,720	$2,008	$1,712	$271,859
263	$3,720	$2,021	$1,699	$269,838
264	$3,720	$2,034	$1,686	$267,804
265	$3,720	$2,046	$1,674	$265,758
266	$3,720	$2,059	$1,661	$263,699
267	$3,720	$2,072	$1,648	$261,627
268	$3,720	$2,085	$1,635	$259,542
269	$3,720	$2,098	$1,622	$257,444
270	$3,720	$2,111	$1,609	$255,333
271	$3,720	$2,124	$1,596	$253,209
272	$3,720	$2,137	$1,583	$251,072
273	$3,720	$2,151	$1,569	$248,921
274	$3,720	$2,164	$1,556	$246,757
275	$3,720	$2,178	$1,542	$244,579
276	$3,720	$2,191	$1,529	$242,388
277	$3,720	$2,205	$1,515	$240,183
278	$3,720	$2,219	$1,501	$237,964
279	$3,720	$2,233	$1,487	$235,731
280	$3,720	$2,247	$1,473	$233,484
281	$3,720	$2,261	$1,459	$231,224
282	$3,720	$2,275	$1,445	$228,949
283	$3,720	$2,289	$1,431	$226,660
284	$3,720	$2,303	$1,417	$224,356
285	$3,720	$2,318	$1,402	$222,039
286	$3,720	$2,332	$1,388	$219,706
287	$3,720	$2,347	$1,373	$217,359
288	$3,720	$2,362	$1,359	$214,998
289	$3,720	$2,376	$1,344	$212,622
290	$3,720	$2,391	$1,329	$210,231
291	$3,720	$2,406	$1,314	$207,825
292	$3,720	$2,421	$1,299	$205,403
293	$3,720	$2,436	$1,284	$202,967
294	$3,720	$2,451	$1,269	$200,516
295	$3,720	$2,467	$1,253	$198,049
296	$3,720	$2,482	$1,238	$195,567
297	$3,720	$2,498	$1,222	$193,069
298	$3,720	$2,513	$1,207	$190,556
299	$3,720	$2,529	$1,191	$188,027
300	$3,720	$2,545	$1,175	$185,482
301	$3,720	$2,561	$1,159	$182,921
302	$3,720	$2,577	$1,143	$180,344
303	$3,720	$2,593	$1,127	$177,752
304	$3,720	$2,609	$1,111	$175,142
305	$3,720	$2,625	$1,095	$172,517
306	$3,720	$2,642	$1,078	$169,875
307	$3,720	$2,658	$1,062	$167,217
308	$3,720	$2,675	$1,045	$164,542
309	$3,720	$2,692	$1,028	$161,851
310	$3,720	$2,708	$1,012	$159,142
311	$3,720	$2,725	$995	$156,417
312	$3,720	$2,742	$978	$153,674
313	$3,720	$2,760	$960	$150,915
314	$3,720	$2,777	$943	$148,138
315	$3,720	$2,794	$926	$145,344
316	$3,720	$2,812	$908	$142,532
317	$3,720	$2,829	$891	$139,703
318	$3,720	$2,847	$873	$136,856
319	$3,720	$2,865	$855	$133,992
320	$3,720	$2,883	$837	$131,109
321	$3,720	$2,901	$819	$128,209
322	$3,720	$2,919	$801	$125,290
323	$3,720	$2,937	$783	$122,353
324	$3,720	$2,955	$765	$119,398
325	$3,720	$2,974	$746	$116,424
326	$3,720	$2,992	$728	$113,431
327	$3,720	$3,011	$709	$110,420
328	$3,720	$3,030	$690	$107,391
329	$3,720	$3,049	$671	$104,342
330	$3,720	$3,068	$652	$101,274
331	$3,720	$3,087	$633	$98,187
332	$3,720	$3,106	$614	$95,081
333	$3,720	$3,126	$594	$91,955
334	$3,720	$3,145	$575	$88,810
335	$3,720	$3,165	$555	$85,645
336	$3,720	$3,185	$535	$82,460
337	$3,720	$3,205	$515	$79,255
338	$3,720	$3,225	$495	$76,031
339	$3,720	$3,245	$475	$72,786
340	$3,720	$3,265	$455	$69,521
341	$3,720	$3,286	$435	$66,235
342	$3,720	$3,306	$414	$62,929
343	$3,720	$3,327	$393	$59,602
344	$3,720	$3,347	$373	$56,255
345	$3,720	$3,368	$352	$52,887
346	$3,720	$3,389	$331	$49,497
347	$3,720	$3,411	$309	$46,086
348	$3,720	$3,432	$288	$42,654
349	$3,720	$3,453	$267	$39,201
350	$3,720	$3,475	$245	$35,726
351	$3,720	$3,497	$223	$32,229
352	$3,720	$3,519	$201	$28,711
353	$3,720	$3,541	$179	$25,170
354	$3,720	$3,563	$157	$21,608
355	$3,720	$3,585	$135	$18,023
356	$3,720	$3,607	$113	$14,415
357	$3,720	$3,630	$90	$10,785
358	$3,720	$3,653	$67	$7,133
359	$3,720	$3,675	$45	$3,457
360	$3,720	$3,698	$22	$0

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© 2025 STELLAR MLS. All rights reserved. Some listings on this website are from STELLAR as of March 15, 2025 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.