3200 VILLA WAY CIRCLE, ST CLOUD, FL, 34769
Active19 days on marketListed Jul 3, 2026MLS #O6421452
About this home
3200 VILLA WAY CIRCLE
**This house comes with a REDUCED RATE through the seller's preferred lender. This is a lender-paid rate buydown that reduces the buyer's interest rate and monthly payment.** Rare 3-bedroom villa, new floors, two parking spots, and a low HOA that covers the big-ticket items? This one is the total package. Welcome to 3200 Villa Way Circle, a standout villa in a quiet, well-kept Saint Cloud community where 3-bedroom layouts are hard to come by. With 3 bedrooms and 2 full bathrooms, this home gives you the extra space buyers actually want, whether you need a guest room, home office, hobby space, or simply more room to spread out. Inside, the new flooring gives the home a fresh, updated feel from the moment you walk in. High ceilings and an easy single-story layout make the living areas feel open, comfortable, and functional for everyday life. The living and dining spaces flow naturally together, creating the perfect setup for relaxing, hosting, or keeping things simple. The covered and screened-in patio adds even more usable space, giving you a peaceful spot for morning coffee, evening wine, weekend lounging, or enjoying the Florida weather without the bugs. This villa also comes with two parking spots, a major everyday convenience for both owners and guests. Even better, the low HOA covers the roof, exterior maintenance, lawn care, exterior paint, and access to the community pool. The pool is located within walking distance right behind the unit, so you can enjoy a pool day whenever you want, without having to clean, maintain, or pay for the upkeep yourself. Tucked inside a very quiet community with easy access to shopping, dining, major roadways, Lake Nona, Orlando International Airport, and everything Saint Cloud has to offer, this villa delivers the space, updates, convenience, and low-maintenance Florida living buyers are looking for.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,156
Sqft
0.04 ac
Lot size
1997
Year built
One
Levels
$225
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.
$2,219 /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
$2,219/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
−3.1%
$/sqft vs St Cloud actives
$225 vs $220
Days on market
19 vs 33 typical
Where $225/sqft sits among the 400 St Cloud actives
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
Get to know St Cloud. See the full St Cloud guide →
ST CLOUD 34769 — neighborhood snapshot
Population
29,247
Median age
36
Median income
$58,764
Median home value
$271,800
Avg household
2.93
Households w/ children
3,039
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)
189 of 400
St Cloud actives have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 5% below the ST CLOUD 34769 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 3200 VILLA WAY CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$240,000
3280 VILLA WAY CIRCLE · same community
2 bd · 2 ba · 1,041 sqft · $231/sqft · 172 DOM
Sold · Mar ’26$245,000
3267 VILLA WAY CIRCLE · same community
2 bd · 2 ba · 1,041 sqft · $235/sqft · 143 DOM
Sold · Oct ’25$320,000
2940 CANOE CIRCLE
3 bd · 2 ba · 1,180 sqft · $271/sqft · 57 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 3200 VILLA WAY CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3200 VILLA WAY 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
3200 VILLA WAY CIRCLE FAQs
What would the monthly payment be for 3200 VILLA WAY CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,219/mo — principal and interest, the actual property-tax bill, the $182/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 3200 VILLA WAY CIRCLE?+
The association fee works out to $182 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3200 VILLA WAY CIRCLE?+
The most recent tax bill on record (2025) was $2,779. 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 3200 VILLA WAY 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 $260,000, this home is listed about 39% 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 3200 VILLA WAY CIRCLE?+
Lakeview Elementary School (elementary), St. Cloud High School (high), St. Cloud Middle School (middle) — Osceola County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY AT THE PARKS · Thomas Nickley, Jr. MLS #O6421452.
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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