5260 HAMMOCK CIRCLE, ST CLOUD, FL, 34771
Active299 days on marketListed Sep 25, 2025MLS #TB8428256
About this home
5260 HAMMOCK CIRCLE
Tremendous value! Discover this stunning well-appointed pool home nestled in the highly desirable Hammock Pointe neighborhood at 5260 Hammock Circle, St. Cloud, FL 34771, situated between Lake Nona and St. Cloud. Priced to sell, with a price-per-square-foot well below other nearby homes on the market, this custom-built model 4 bedroom 2.5 bathroom home boasts 2,676 sq ft of heated living space and features a spacious open floor plan, perfect for comfortable living and entertaining! Nice front patio with pavers and mature landscaping add to this home’s curb appeal. Floorplan Features: Spacious floorplan with 10-ft ceilings and an elegant foyer with double leaded-glass doors. Formal dining, living, office, 2-way glass fireplace, dedicated laundry room w/sink, large open kitchen with all new GE stainless steel appliances, oversized island with sliding shelves, and pantry, making it ideal for that creative chef who loves to entertain. The 3 large two-way slider doors in the main living area provide a picturesque view of the luxury pool and patio. Large master bedroom with bay window and sitting area, plus ensuite bathroom complete with 3 sinks, stall shower with seat and new glass doors, sunken tub, new toilet in its own private closet, & a walk-in closet. Additional slider door leading to pool area from the master bedroom. On the opposite side of this open split plan home are the 3 auxiliary bedrooms plus a full bathroom with direct access to the pool. This beautiful home exudes Florida living at its best. Other upgrades include 2 central air/heat systems that were just replaced, central vacuum, tile flooring, ceiling fans, brand new dishwasher and over-the-range microwave, spacious 2-car garage, and a very recently professionally painted exterior! Equipped with irrigation system/timer, gutters, and a private fenced-in backyard oasis with lush mature landscaping, this home has got it all. The very low HOA dues, payable twice a year, INCLUDE WATER, trash pickup, maintenance of community grounds, street lighting, and street sweeping. Located in an A-rated school district and close to Lake Nona Medical Center, Orlando Int’l Airport, and plenty of shopping and dining spots, this home offers the perfect blend of luxury, convenience, and community amenities. Schedule your showing today and don’t miss out on the opportunity to make this exceptional property your new home.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,676
Sqft
0.34 ac
Lot size
2
Garage
1994
Year built
One
Levels
$219
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.
$4,208 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,208/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
−21.3%
$/sqft vs St Cloud actives
$219 vs $220
Days on market
299 vs 33 typical
Where $219/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 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)
190 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 38% above the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 5260 HAMMOCK 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$550,000
12332 HAMMOCK POINTE CIRCLE · same community
4 bd · 3 ba · 2,794 sqft · $197/sqft · 63 DOM
Sold · Apr ’26$475,000
11616 THACKER DRIVE · same community
4 bd · 2.5 ba · 2,498 sqft · $190/sqft · 141 DOM
Sold · Jun ’26$530,000
5229 HAMMOCK CIRCLE · same community
3 bd · 2.5 ba · 2,027 sqft · $261/sqft · 113 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 5260 HAMMOCK CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5260 HAMMOCK 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
5260 HAMMOCK CIRCLE FAQs
What would the monthly payment be for 5260 HAMMOCK CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,208/mo — principal and interest, the actual property-tax bill, the $83/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 5260 HAMMOCK CIRCLE?+
The association fee works out to $83 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5260 HAMMOCK CIRCLE?+
The most recent tax bill on record (2024) was $7,062. 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 5260 HAMMOCK CIRCLE?+
The listing reports pets: Cats OK, Dogs OK. 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 $585,000, this home is listed about 38% 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 5260 HAMMOCK CIRCLE?+
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
Four things that matter here
01Positioned at the premium end
$585,000 runs 38% above the ST CLOUD 34771 median — but at 2,676 sqft it's also 35% larger than the typical St Cloud listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
299 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $624,900, now $585,000 — a $40K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of THE PROPERTY PROS REAL ESTATE · Tanya Friedman. MLS #TB8428256.
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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