3040 LAKES CREST AVENUE, ST CLOUD, FL, 34772
Active65 days on marketListed May 20, 2026MLS #S5150356
Come see it
Upcoming open houses
Sat, Jul 25
11:00 AM – 2:00 PM
Office
Sat, Jul 25
11:00 AM – 2:00 PM
Sat, Jul 25
11:00 AM – 2:00 PM
Broker
About this home
3040 LAKES CREST AVENUE
PRICED TO SELL!!"virtually stage ".Solar panels will be pay off at closing . Beautifully maintained 3-bedroom, 2-bathroom single-family residence located in the desirable Gramercy Farms community in St. Cloud. This like-new home offers an exceptional blend of comfort, style, and functionality, featuring ceramic tile flooring throughout, ceiling fans, blinds, gutters, a screened rear porch, solar panels, security cameras an irrigation system, and a fully fenced backyard. Positioned with no front or rear neighbors, the property provides added privacy and a peaceful setting. The spacious primary suite includes a walk-in closet and a private en-suite bathroom, while the additional bedrooms offer versatility for family, guests, or a home office. The installed solar panels convey with the sale, providing valuable energy efficiency and potential long-term savings for the future homeowner Ideally situated near major highways, Neo City, shopping, dining, and highly regarded schools, this residence combines convenience with the charm of one of Central Florida’s fastest-growing communities. Schedule your private showing today to experience all this exceptional home has to offer.this property qualify for a $5,000 Chase Homebuyer incentive
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,552
Sqft
0.14 ac
Lot size
2
Garage
2019
Year built
One
Levels
$229
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 — not generic estimates.
$2,865 /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
$2,865/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
−11.2%
Days on market
65 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 4% 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 3040 LAKES CREST AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3040 LAKES CREST 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
3040 LAKES CREST AVENUE FAQs
What would the monthly payment be for 3040 LAKES CREST AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,865/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 3040 LAKES CREST AVENUE?+
The most recent tax bill on record (2025) was $5,425. 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 3040 LAKES CREST AVENUE?+
The listing reports pets: No. 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 $355,990, this home is listed about 16% 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 3040 LAKES CREST AVENUE?+
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.
Listing courtesy of LA ROSA REALTY LLC · Veronica Caceres. MLS #S5150356.
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 3040 LAKES CREST AVENUE 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 →