3663 DAYDREAM PLACE, ST CLOUD, FL, 34772
Active156 days on marketListed Feb 17, 2026MLS #O6382592
About this home
3663 DAYDREAM PLACE
This is more than just a house it is a place to build lasting memories with your family. Located in the desirable city of St. Cloud, this property offers the space, comfort, and functionality today’s families are looking for. This spacious residence features 6 bedrooms and 4 full bathrooms, ideal for large families, multigenerational living, or those in need of additional space for a home office or guest accommodations. With 2,742 square feet under air, the thoughtfully designed open-concept layout seamlessly connects the living and dining areas, creating a welcoming and versatile environment for both everyday living and entertaining. The kitchen offers ample workspace and storage, serving as the central gathering area of the home. Situated on an 8,904 square-foot lot, the outdoor space provides plenty of room to enjoy the Florida lifestyle, entertain guests, or design the backyard of your choice. Conveniently located near schools, shopping, dining, and major roadways, this property offers an excellent combination of space, location, and comfort in the heart of Central Florida. One of the most outstanding features of this home is the solar panel system, which will be paid off in full by the seller at closing, offering energy efficiency and long-term savings for the new owner.
Facts & features
The home at a glance
6
Bedrooms
4
Bathrooms
2,742
Sqft
0.2 ac
Lot size
2
Garage
2007
Year built
Two
Levels
$201
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.
$4,174 /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
$4,174/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.
The investor lens
Two ways this home pays
This home sits inside Esprit, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,369/mo median
Live St Cloud rental listing data — this home’s rate depends on size, condition and furnishing.
The Saint Cloud short-term market
▼ Softening44%
Occupancy
▼ 9% yr/yr
$182
Avg nightly rate
▼ 21% yr/yr
$19K/yr
Revenue per listing
$84
RevPAR
38 days
Booking lead time
4.9 nights
Avg stay
4
Typical min nights
58
Active rentals
▲ 14% supply
Seasonality — monthly occupancy
Peaks at 54% in Feb · bottoms at 36% in May
Last 12 months of data, January–December, bars scaled to the seasonal peak. Market-wide averages across all home sizes in Saint Cloud — the projection above is specific to this home’s size.
Where it sits
Inside Esprit
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Esprit is a short-term-rental community. See the full 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 49% above 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 3663 DAYDREAM PLACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3663 DAYDREAM PLACE — 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
3663 DAYDREAM PLACE FAQs
What would the monthly payment be for 3663 DAYDREAM PLACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,174/mo — principal and interest, the actual property-tax bill, the $85/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 3663 DAYDREAM PLACE?+
The association fee works out to $85 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3663 DAYDREAM PLACE?+
The most recent tax bill on record (2025) was $5,380. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 3663 DAYDREAM PLACE be rented short-term?+
Yes — this home sits inside Esprit, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 3663 DAYDREAM PLACE?+
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 $550,000, this home is listed about 29% above the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3663 DAYDREAM PLACE?+
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
Four things that matter here
01Positioned at the premium end
$550,000 runs 49% above the ST CLOUD 34772 median — but at 2,742 sqft it's also 39% larger than the typical St Cloud listing.
02Zoned for nightly rentals
Esprit is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03Garden views
The garden view is part of what you're buying — views hold value independently of the structure.
04Time on market is leverage
156 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
Listing courtesy of EMPIRE NETWORK REALTY · Selma Gonzalez. MLS #O6382592.
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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