Too bad you aren't closer I have a Felt F 5 in a 48cm. I bought it sight unseen. They had a 51, which is what my husband bought. My inseam height is slightly smaller than yours. I'm 5'0" with a 27" inseam. I love the the F5 but I also like to be stretched out on the bike and this one is perfect for me. You wouldn't be nearly as stretched out as I am on it. Th 48cm Cannondale makes are all to high for me.