3496 ALLEGRA CIRCLE, ST CLOUD, FL, 34772
Active188 days on marketListed Jan 15, 2026MLS #O6372326
About this home
3496 ALLEGRA CIRCLE
Short Sale. Beautifully located in the desirable Portofino Vista community of Saint Cloud, this vacant 3-bedroom, 2.5-bath townhome offers a fantastic opportunity for homeowners or investors. The spacious layout features an open living and dining area that flows seamlessly into the kitchen, creating a comfortable space for everyday living and entertaining. Natural light fills the home, enhancing its inviting feel and functional design. Upstairs, all three bedrooms provide privacy and ample space, including a generous primary suite with an en-suite bathroom. The additional bedrooms are well-sized and share a full bath, while a convenient half bath is located on the main level. With the property vacant, it is ready for immediate occupancy or renovation to suit your vision. This is a short sale and is being sold as-is. Located just minutes from major roadways, shopping, dining, schools, and Lake Nona area access, Portofino Vista offers a prime Saint Cloud location with strong long-term potential. Don’t miss this opportunity to own in a growing area at an exceptional value.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,596
Sqft
0.04 ac
Lot size
1
Garage
2007
Year built
Two
Levels
$125
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
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.
$2,264 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,264/mo
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.
vs edgeAI estimate
−28.7%
Days on market
188 vs 33 typical
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
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Cloud. See the full St Cloud guide →
ST CLOUD 34772 — neighborhood snapshot
Population
33,542
Median age
39.9
Median income
$86,900
Median home value
$352,400
Avg household
3.05
Households w/ children
4,027
For the school run
Osceola County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Cloud market
$414K → $400K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 46% below the ST CLOUD 34772 median. See the full St Cloud market guide →
Paper trail
This home's history
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.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3496 ALLEGRA CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3496 ALLEGRA CIRCLE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
3496 ALLEGRA CIRCLE FAQs
What would the monthly payment be for 3496 ALLEGRA CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,264/mo — principal and interest, the actual property-tax bill, the $401/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 3496 ALLEGRA CIRCLE?+
The association fee works out to $401 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3496 ALLEGRA CIRCLE?+
The most recent tax bill on record (2025) was $5,248. 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 3496 ALLEGRA CIRCLE?+
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 $200,000, this home is listed about 53% 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 3496 ALLEGRA CIRCLE?+
Hickory Tree Elementary School (elementary), St. Cloud Middle School (middle), Harmony High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the ST CLOUD 34772 market on paper
$200,000 is 46% below the ST CLOUD 34772 median of $370,000, and at $125/sqft it sits under the St Cloud average of $236.
02Time on market is leverage
188 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $239,000, now $200,000 — a $39K cut. The full history is in the market section below.
Listing courtesy of KELLER WILLIAMS LEGACY REALTY · Franklin Mateo. MLS #O6372326.
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.
Never miss a listing
New St Cloud homes, in your inbox
Like 3496 ALLEGRA CIRCLE but not quite? A daily digest of every new listing in St Cloud — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →