2621 HAMMOCK HARBOR AVENUE, ST CLOUD, FL, 34771
Active32 days on marketListed Jun 22, 2026MLS #O6419126
About this home
2621 HAMMOCK HARBOR AVENUE
Under Construction. The stunning Ellenwood Villa blends luxury and convenience, featuring 2 bedrooms, an enclosed flex room, and 2 bathrooms in a thoughtfully designed layout that maximizes both comfort and style. The open-concept kitchen, café, and gathering room are filled with natural light, creating an inviting and spacious atmosphere. Tall ceilings, abundant windows, and a sliding glass door that opens to the covered lanai seamlessly extend the living space, making it perfect for effortless indoor-outdoor living. The kitchen features stainless steel Whirlpool appliances (including a refrigerator and natural gas range), soft-close cabinetry, quartz countertops, an upgraded faucet, and a stainless-steel single-bowl sink. Whether you're preparing a gourmet meal or entertaining guests, this kitchen has everything you need. Tucked at the rear of the home for maximum privacy, the owner’s suite offers a luxurious retreat. The spa-like en suite bathroom features a frameless glass-enclosed shower with built-in bench, an enclosed toilet, a quartz-topped dual vanity, and a linen closet—creating the perfect environment for relaxation. The secluded secondary bedroom and bathroom provide an additional layer of privacy, offering a tranquil space when you need it most. The front of the home features an enclosed flex room, offering endless possibilities as a home office, hobby room, or any other space that suits your needs. Designer-curated finishes elevate every corner of this home, including pendant pre-wire, 8’ interior doors, comfort-height toilets, 2” faux wood blinds, Whirlpool washer and dryer, matte black hardware and plumbing fixtures, and Shaw brand wood-look luxury vinyl plank throughout with tile flooring in the bathrooms and laundry room. This home comes equipped with a smart thermostat, video doorbell, and LED downlights, ensuring your home is as connected as it is beautiful. This home offers the perfect combination of luxury, convenience, and modern design—an ideal place to live and relax. Schedule a tour today!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,579
Sqft
0.09 ac
Lot size
2
Garage
2026
Year built
One
Levels
$242
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.
$3,084 /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
$3,434/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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
+8.1%
$/sqft vs DEL WEBB SUNBRIDGE
$242 vs $285
Days on market
32 vs 33 typical
Where $242/sqft sits among the 10 homes for sale in DEL WEBB SUNBRIDGE
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 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
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)
6 of 10
DEL WEBB SUNBRIDGE have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 10% below the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 2621 HAMMOCK HARBOR AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$388,706
2390 DAISY TREE ROAD · same community
3 bd · 2 ba · 1,579 sqft · $246/sqft · 21 DOM
Sold · Aug ’25$377,436
2348 DAISY TREE ROAD · same community
2 bd · 2 ba · 1,579 sqft · $239/sqft · 9 DOM
Sold · Mar ’26$350,000
6220 CITRUS GROVE COURT · same community
2 bd · 2 ba · 1,579 sqft · $222/sqft · 6 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.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 2621 HAMMOCK HARBOR AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2621 HAMMOCK HARBOR AVENUE — 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
2621 HAMMOCK HARBOR AVENUE FAQs
What would the monthly payment be for 2621 HAMMOCK HARBOR AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,084/mo — principal and interest, estimated property taxes, the $508/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 2621 HAMMOCK HARBOR AVENUE?+
The association fee works out to $508 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2621 HAMMOCK HARBOR AVENUE?+
The most recent tax bill on record (2025) was $0. 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 2621 HAMMOCK HARBOR AVENUE?+
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 $381,776, this home is listed about 10% 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 2621 HAMMOCK HARBOR AVENUE?+
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.
The brief
Three things that matter here
01Under the ST CLOUD 34771 market on paper
$381,776 is 10% below the ST CLOUD 34771 median of $425,000.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $508/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
Keep looking
Similar homes nearby
Listing courtesy of PULTE REALTY OF NORTH FLORIDA LLC · Adrienne Escott. MLS #O6419126.
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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