3014 SAND STONE CIRCLE, ST CLOUD, FL, 34772
Active3 days on marketListed Jul 16, 2026MLS #S5153826
About this home
3014 SAND STONE CIRCLE
PRIVATE. UPDATED. MOVE-IN READY. Welcome to this beautifully upgraded 5-bedroom, 2-bath single-story ranch home, ideally situated on one of the community's most desirable premium corner homesites. Surrounded by a tranquil pond and conservation area with no front, rear, or side neighbors, this exceptional property offers a rare combination of privacy, comfort, and modern living. Step inside to discover a bright, open floor plan that lives much larger than its square footage, thoughtfully designed for both everyday living and entertaining. The highly desirable split-bedroom layout provides excellent separation between the spacious primary suite and the secondary bedrooms, creating comfort and privacy for family members and guests alike. Enjoy the convenience of single-story living with no interior stairs, offering easy, functional living for every stage of life. Designed for both beauty and peace of mind, this home has been extensively updated with light modern designer finishes throughout, fresh interior and exterior paint, a replaced roof, and a replaced HVAC system, allowing you to move in and start enjoying your new home from day one. Elegant lighting, stylish fixtures, and quality finishes enhance the home's inviting atmosphere. The spacious kitchen flows seamlessly into the living and dining areas, creating the perfect gathering space for entertaining or relaxing. Step outside to the oversized screened lanai featuring a spa, where you can unwind while enjoying peaceful pond and conservation views in your own private backyard retreat. Conveniently located just minutes from Florida's Turnpike, Lake Nona, Medical City, shopping, dining, schools, and Central Florida's renowned attractions, this move-in-ready home delivers the perfect balance of privacy, thoughtful design, modern updates, and everyday convenience. Opportunities like this are rare—schedule your private showing today and experience everything this exceptional home has to offer.
Facts & features
The home at a glance
5
Bedrooms
2
Bathrooms
2,320
Sqft
0.21 ac
Lot size
2
Garage
2006
Year built
One
Levels
$211
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.
$3,828 /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
$3,828/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
+17.3%
$/sqft vs St Cloud actives
$211 vs $221
Days on market
3 vs 33 typical
Where $211/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
Drive times from this address
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)
188 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 32% above the ST CLOUD 34772 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 3014 SAND STONE CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$468,000
3034 SAND STONE CIRCLE · same community
4 bd · 2 ba · 2,667 sqft · $175/sqft · 16 DOM
Sold · Oct ’25$415,000
6005 COAL COURT · same community
4 bd · 3 ba · 3,029 sqft · $137/sqft · 110 DOM
Sold · Oct ’25$412,000
3504 CAYUGAS LOOP
4 bd · 2 ba · 2,317 sqft · $178/sqft · 103 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 3014 SAND STONE CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3014 SAND STONE 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
3014 SAND STONE CIRCLE FAQs
What would the monthly payment be for 3014 SAND STONE CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,828/mo — principal and interest, the actual property-tax bill, the $25/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 3014 SAND STONE CIRCLE?+
The association fee works out to $25 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3014 SAND STONE CIRCLE?+
The most recent tax bill on record (2025) was $6,591. 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 3014 SAND STONE 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 $488,881, this home is listed about 15% 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 3014 SAND STONE 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
01Positioned at the premium end
$488,881 runs 32% above the ST CLOUD 34772 median — but at 2,320 sqft it's also 17% larger than the typical St Cloud listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 3 days on market in a St Cloud market that averages 33 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of MY REALTY GROUP, LLC. · Fawaz Blaney. MLS #S5153826.
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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