Under Construction. Welcome to The Crossings, located in the quaint city of St. Cloud. This amenity-rich community offers a pool, splash pad, a playground for the kiddos, and a dog park – you can have this and more right outside your door. Conveniently located off Narcoosee Rd, just 15 minutes to Lake Nona’s medical city, SR 417, and the Turnpike, for an easy commute around town, no matter where your travels take you. The Panama single-family home is what you always pictured for yourself. Step in from the 2-car garage or front porch and pass the first of 3 spacious bedrooms and a full bath with double vanity. A versatile flex space can be used as an office, a study, or a 4th bedroom. In the dining area, prepare to be wowed. This space is highlighted by a gourmet kitchen with a large island overlooking a lanai and a great room where friends and family will gather. Your luxurious owner’s suite includes a beautiful tray ceiling, a double vanity owner’s bath and a huge walk-in closet. The Panama is pure bliss. All Ryan Homes now include WIFI-enabled garage opener and Ecobee thermostat. **Closing cost assistance is available with use of Builder’s affiliated lender**. DISCLAIMER: Prices, financing, promotion, and offers subject to change without notice. Offer valid on new sales only. See Community Sales and Marketing Representative for details. Promotions cannot be combined with any other offer. All uploaded photos are stock photos of this floor plan. Actual home may differ from photos.
Pending
Price cut: $43K (4/2)
$406,975
436 Elm Spring Rd, Saint Cloud, FL 34771
3beds
2,021sqft
Est.:
Single Family Residence
Built in 2026
6,021 Square Feet Lot
$406,400 Zestimate®
$201/sqft
$8/mo HOA
What's special
Extended lanaiOpen family roomLong front porchGourmet kitchen with islandBeautiful tray ceilingsDouble vanitiesWalk-in closet
- 105 days |
- 18 |
- 0 |
Zillow last checked:
Listing updated:
Listing Provided by:
Bill Maltbie 813-819-5255,
MALTBIE REALTY GROUP 813-819-5255
Source: Stellar MLS,MLS#: W7881173
Originating MLS: West Pasco
Originating MLS: West Pasco
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Rooms
- Room types: Bonus Room, Utility Room
Primary bedroom
- Features: Walk-In Closet(s)
- Level: First
- Area: 210 Square Feet
- Dimensions: 14x15
Bedroom 2
- Features: Built-in Closet
- Level: First
- Area: 120 Square Feet
- Dimensions: 12x10
Bedroom 3
- Features: Built-in Closet
- Level: First
- Area: 120 Square Feet
- Dimensions: 12x10
Bedroom 4
- Features: Built-in Closet
- Level: Second
- Area: 156 Square Feet
- Dimensions: 13x12
Primary bathroom
- Features: Dual Sinks, Shower No Tub
- Level: First
- Area: 144 Square Feet
- Dimensions: 12x12
Balcony porch lanai
- Level: First
- Area: 88 Square Feet
- Dimensions: 11x8
Bonus room
- Features: No Closet
- Level: First
- Area: 130 Square Feet
- Dimensions: 13x10
Bonus room
- Features: No Closet
- Level: First
- Area: 156 Square Feet
- Dimensions: 13x12
Dinette
- Level: First
- Area: 110 Square Feet
- Dimensions: 11x10
Dining room
- Level: First
- Area: 126 Square Feet
- Dimensions: 14x9
Dining room
- Level: First
- Area: 132 Square Feet
- Dimensions: 12x11
Foyer
- Level: First
- Area: 32 Square Feet
- Dimensions: 8x4
Great room
- Level: First
- Area: 247 Square Feet
- Dimensions: 13x19
Kitchen
- Features: Breakfast Bar, Granite Counters, Kitchen Island, Pantry
- Level: First
- Area: 154 Square Feet
- Dimensions: 11x14
Laundry
- Level: Second
- Area: 48 Square Feet
- Dimensions: 6x8
Heating
- Central
Cooling
- Central Air
Appliances
- Included: Cooktop, Dishwasher, Disposal, Microwave
- Laundry: Inside
Features
- Eating Space In Kitchen, High Ceilings, Kitchen/Family Room Combo, Open Floorplan, Primary Bedroom Main Floor, Stone Counters, Thermostat, Walk-In Closet(s)
- Flooring: Ceramic Tile, Concrete
- Doors: Sliding Doors
- Has fireplace: No
Interior area
- Total structure area: 2,600
- Total interior livable area: 2,021 sqft
Video & virtual tour
Property
Parking
- Total spaces: 2
- Parking features: Driveway, Garage Door Opener
- Attached garage spaces: 2
- Has uncovered spaces: Yes
- Details: Garage Dimensions: 19x21
Features
- Levels: One
- Stories: 1
- Patio & porch: Covered, Patio
- Exterior features: Irrigation System, Lighting
- Pool features: In Ground, Outside Bath Access
Lot
- Size: 6,021 Square Feet
- Dimensions: 50 x 120
- Features: Sidewalk, Above Flood Plain
- Residential vegetation: Trees/Landscaped
Details
- Parcel number: 222531368200014500
- Zoning: 00
- Special conditions: None
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Florida
- Property subtype: Single Family Residence
Materials
- Block, Stucco, Wood Frame
- Foundation: Slab
- Roof: Shingle
Condition
- Under Construction
- New construction: Yes
- Year built: 2026
Details
- Builder model: PANAMA
- Builder name: RYAN HOMES
- Warranty included: Yes
Utilities & green energy
- Sewer: Public Sewer
- Water: Public
- Utilities for property: Electricity Available, Public, Street Lights, Underground Utilities
Green energy
- Energy efficient items: Appliances, HVAC, Lighting, Thermostat, Windows
- Indoor air quality: HVAC Filter MERV 8+, No/Low VOC Flooring, No/Low VOC Paint/Finish, Ventilation
- Water conservation: Drip Irrigation, Irrigation-Reclaimed Water, Low-Flow Fixtures, Fl. Friendly/Native Landscape
Community & HOA
Community
- Features: Dog Park
- Security: Smoke Detector(s), Fire/Smoke Detection Integration
- Pet fee: $0 monthly
- Subdivision: THE CROSSINGS
HOA
- Has HOA: Yes
- Amenities included: Clubhouse, Playground, Pool
- Services included: Maintenance Grounds, Recreational Facilities
- HOA fee: $8 monthly
- HOA name: RYAN HOMES
Location
- Region: Saint Cloud
Financial & listing details
- Price per square foot: $201/sqft
- Date on market: 12/3/2025
- Cumulative days on market: 122 days
- Listing terms: Cash,Conventional,FHA,VA Loan
- Ownership: Fee Simple
- Total actual rent: 0
- Electric utility on property: Yes
- Road surface type: Paved
Estimated market value
$406,400
$386,000 - $427,000
$2,576/mo
Price history
| Date | Event | Price |
|---|---|---|
| 4/2/2026 | Pending sale | $406,975$201/sqft |
Source:  Stellar MLS #W7881173 Report a problem | ||
| 4/2/2026 | Price change | $406,975-9.6%$201/sqft |
Source: Stellar MLS #W7881173 Report a problem | ||
| 3/26/2026 | Price change | $449,990-2.2%$223/sqft |
Source: Stellar MLS #W7881173 Report a problem | ||
| 1/31/2026 | Listed for sale | $459,990$228/sqft |
Source: Stellar MLS #W7881173 Report a problem | ||
| 1/21/2026 | Listing removed | $459,990$228/sqft |
Source: Stellar MLS #W7881173 Report a problem | ||
| 12/3/2025 | Listed for sale | $459,990$228/sqft |
Source: Stellar MLS #W7881173 Report a problem | ||
Public tax history
Tax history is unavailable.
Monthly payment
Est. payment$--/mo
Payment breakdown
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All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
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Climate risks
Neighborhood: 34771
Nearby schools
GreatSchools rating
- 5/10Narcoossee Elementary SchoolGrades: PK-5Distance: 3 mi
- 6/10Narcoossee Middle SchoolGrades: 6-8Distance: 3.2 mi
- 5/10Harmony High SchoolGrades: 9-12Distance: 7.8 mi
Schools provided by the listing agent
- Elementary: Narcoossee Elementary
- Middle: Narcoossee Middle
- High: Harmony High
Source: Stellar MLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
A local agent can set up tours, give advice and negotiate with sellers.
- Florida
- Osceola County
- Saint Cloud
- 34771
- 436 Elm Spring Rd
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