Rui Ma
$420,0005 bd3 ba2,611 sqft$161 /sqft$3,452 /mo all-in ↓

1659 GENTLE BREEZE DRIVE, ST CLOUD, FL, 34771

Active31 days on marketListed Jun 23, 2026MLS #O6417975

Single Family ResidenceESTATES OF WESTERLY

About this home

1659 GENTLE BREEZE DRIVE

Virtually Staged. Welcome Home! The one you've been waiting for is finally here! This move-in ready single-family home is located in the desirable Estates of Westerly in St. Cloud, just minutes from Lake Nona Medical City and all that Central Florida has to offer. Featuring 5 bedrooms, 3 full bathrooms, a 2-car garage, and a large oversized homesite, this home offers the perfect combination of space, functionality, and comfort. As you enter, you're welcomed by a spacious foyer and beautiful flooring throughout, including tile on the first floor and luxury vinyl plank upstairs. Just off the entryway, you'll find a convenient first-floor guest suite complete with a full bathroom just outside the bedroom, making it ideal for visitors, multigenerational living, or a private home office. The open-concept kitchen, family room, and dining area create the perfect setting for entertaining and everyday living. Your kitchen is thoughtfully designed with granite countertops, stainless steel appliances, a large center island featuring a single-basin stainless steel sink, cabinetry with soft-close features and custom organizational storage solutions, and a spacious closet pantry. Adjacent to the kitchen is the dedicated dining space, perfectly positioned for hosting holiday gatherings, dinner parties, and special celebrations with family and friends. The spacious great room serves as the heart of the home, offering the ideal place to relax, unwind, and create lasting memories. Enjoy seamless indoor-outdoor living with sliding glass doors that open from the kitchen area to a covered patio, providing the perfect space to enjoy Florida's beautiful weather year-round. Upstairs, you'll appreciate the large walk-in laundry room complete with additional storage space. Down the hall are three generously sized secondary bedrooms and a full bathroom, offering plenty of room for family and guests. Privately situated at the end of the hallway is the expansive primary suite, your own personal retreat. The luxurious en-suite bathroom features dual sinks, an upgraded drawer stack for additional storage, a walk-in shower with a frameless glass enclosure, beautiful 12x24 tile surround, and an oversized walk-in closet designed to accommodate all your storage needs. Additional highlights include a two-car garage equipped with Gladiator storage racks for maximum organization and a full driveway for added convenience. Perfectly positioned within the community, you'll enjoy a large green space and community pool just steps from your front door, making it easy to embrace the active and connected lifestyle that Estates of Westerly has to offer. Mins to shopping, dining, highways, Lake Nona's Medical City, and Orlando International Airport. New High School opening August 2026 and a New Walmart Shopping Center Coming Soon.

Facts & features

The home at a glance

5

Bedrooms

3

Bathrooms

2,611

Sqft

0.17 ac

Lot size

2

Garage

2020

Year built

Two

Levels

$161

Per sqft

Pets allowed

Inside

FlooringLuxury Vinyl · Tile
AppliancesDishwasher · Disposal · Dryer · Microwave · Range · Refrigerator · Washer
InteriorEating Space In Kitchen · Kitchen/Family Room Combo · L Dining · Open Floorplan · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryLaundry Room · Upper Level
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Stucco · Wood Frame
FoundationSlab
FacesEast
ParkingDriveway · Garage Door Opener
ExteriorSidewalk · Sliding Doors

Community & fees

HOA fee$77/mo
Taxes (2025)$6,679/yr
PetsYes
CommunityPool · Special Community Restrictions

Utilities & systems

UtilitiesElectricity Connected · Sewer Connected · Water Connected
WaterPublic

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.

$3,452 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,473
FHA mortgage insurance (est.)$186
Property tax — 2025 actual bill$557
HOA fee — from the listing$77
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $14,700Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $14,700
Interest rate6.00%
Loan term

Estimated payment

$3,452/mo

Principal & interest$2,473
FHA mortgage insurance (est.)$186
Property taxes (actual bill)$557
HOA / condo fee$77
Est. insurance$160

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.

List $420K
$403KedgeAI estimate $465,106 · range $452K$479K$498K

vs edgeAI estimate

−9.7%

$/sqft vs St Cloud actives

$161 vs $221

Days on market

31 vs 33 typical

Where $161/sqft sits among the 400 St Cloud actives

98 · this home
127
88
39
13
35
$156–192$192–228$228–264$264–300$300–336$336+

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

Map of 1659 GENTLE BREEZE DRIVE

Drive times from this address

Universal Orlando40 min
Walt Disney World41 min
Orlando Int’l Airport (MCO)41 min
Downtown Orlando41 min

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

ElementaryLakeview Elementary School★★★★★
MiddleNarcoossee Middle School★★★★★
HighHarmony High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The St Cloud market

Seller’s marketBalanced6.2 months of inventoryBuyer’s market

$414K$400K

St Cloud median sold, yr/yr

98.4%

Sale-to-list ratio (12 mo)

193 of 400

St Cloud actives have cut their price

Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 1% below the ST CLOUD 34771 median. See the full St Cloud market guide →

Paper trail

This home's history

Jun 23, 2026Listed at $420,000 · 31 days on market since
2020Built · ESTATES OF WESTERLY

Reality check

What actually sold near 1659 GENTLE BREEZE DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

1686 GENTLE BREEZE DRIVESold · Jun ’26

$415,000

1686 GENTLE BREEZE DRIVE · same community

3 bd · 2.5 ba · 2,646 sqft · $157/sqft · 46 DOM

1697 BAY BREEZE DRIVESold · Jul ’26

$418,000

1697 BAY BREEZE DRIVE · same community

5 bd · 3 ba · 2,674 sqft · $156/sqft · 12 DOM

1674 BAY BREEZE DRIVESold · May ’26

$425,000

1674 BAY BREEZE DRIVE · same community

5 bd · 3 ba · 2,674 sqft · $159/sqft · 12 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.

Rui Ma

Your agent

Rui Ma

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 1659 GENTLE BREEZE DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1659 GENTLE BREEZE DRIVE — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to Rui's phone and CRM.

Goes straight to Rui’s phone and CRM.

Straight answers

1659 GENTLE BREEZE DRIVE FAQs

What would the monthly payment be for 1659 GENTLE BREEZE DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,452/mo — principal and interest, the actual property-tax bill, the $77/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 1659 GENTLE BREEZE DRIVE?+

The association fee works out to $77 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 1659 GENTLE BREEZE DRIVE?+

The most recent tax bill on record (2025) was $6,679. 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 1659 GENTLE BREEZE DRIVE?+

The listing reports pets: 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 $420,000, this home is listed about 1% below the St Cloud median of $425,000. The market section on this page shows how the area is trending.

Which schools are assigned to 1659 GENTLE BREEZE DRIVE?+

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.

Listing courtesy of LUNA GROUP · Ann Marie Ursino. MLS #O6417975.

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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