David Ramirez
$386,900$393,9004 bd2 ba2,140 sqft$181 /sqft$3,120 /mo all-in ↓

2091 FAWN MEADOW CIRCLE, ST CLOUD, FL, 34772

Active66 days on marketListed May 18, 2026MLS #TB8508943

Reduced $7KWaterfrontSingle Family ResidenceFAWN MEADOWS AT DEER CREEK PH 1

About this home

2091 FAWN MEADOW CIRCLE

Virtually Staged. Welcome to this spacious and versatile home located in the desirable Saint Cloud! A large driveway provides plenty of parking with room for up to 6 vehicles in addition to the attached 2-car garage. The inviting front porch offers the perfect place to relax and enjoy the neighborhood. Inside, you’ll find split dens that provide flexible space for a home office, playroom, media room, or additional living areas to fit your needs. The kitchen features granite countertops, bar-top seating, and an open layout overlooking the living room, making it ideal for both entertaining and everyday living. The primary suite offers direct access to the expansive sunroom, creating a private retreat with peaceful pond views. The primary bathroom includes dual vanities and separate walk-in closets for added convenience and storage. Enjoy year-round relaxation in the large sunroom overlooking the scenic retention pond. Conveniently located near Saint Cloud’s popular outdoor attractions including Lakefront Park and East Lake Tohopekaliga, where you can enjoy boating, fishing, walking trails, and beautiful waterfront sunsets.

Facts & features

The home at a glance

4

Bedrooms

2

Bathrooms

2,140

Sqft

0.28 ac

Lot size

2

Garage

2005

Year built

One

Levels

$181

Per sqft

WaterfrontWater viewPets allowed

Inside

FlooringTile
AppliancesDishwasher · Disposal · Microwave · Range · Refrigerator
InteriorCeiling Fan(s) · Eating Space In Kitchen · Open Floorplan · Stone Counters · Vaulted Ceiling(s)
LaundryElectric Dryer Hookup · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
ViewWater
FacesSouth
ParkingDriveway · Garage Door Opener
ExteriorSidewalk

Community & fees

HOA fee$47/mo
Taxes (2025)$5,575/yr
PetsYes
CommunityPark · Playground

Utilities & systems

UtilitiesCable Available · Electricity Connected · Sewer Connected · Water Connected
WaterPublic

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.

$3,120 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,278
FHA mortgage insurance (est.)$171
Property tax — 2025 actual bill$465
HOA fee — from the listing$47
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $13,542Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $13,542
Interest rate6.00%
Loan term

Estimated payment

$3,120/mo

Principal & interest$2,278
FHA mortgage insurance (est.)$171
Property taxes (actual bill)$465
HOA / condo fee$47
Est. insurance$160

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.

List $387K
$371KedgeAI estimate $407,753 · range $393K$440K$458K

vs edgeAI estimate

−5.1%

$/sqft vs St Cloud actives

$181 vs $221

Days on market

66 vs 33 typical

Where $181/sqft sits among the 400 St Cloud actives

98 · this home
127
88
39
13
35
$156–192$192–228$228–264$264–300$300–336$336+

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 Deer Creek

Map of 2091 FAWN MEADOW CIRCLE inside its neighborhood boundary

Drive times from this address

Universal Orlando36 min
Orlando Int’l Airport (MCO)36 min
Walt Disney World37 min
Downtown Orlando37 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know St Cloud. See the full St Cloud guide →

Deer Creek — neighborhood snapshot

Population

2,581

Median age

40

Median income

$95,082

Median home value

$355,000

Avg household

4

Households w/ children

308

For the school run

Osceola County School District

MiddleSt. Cloud Middle School★★★★★
ElementaryHickory Tree Elementary School★★★★★
HighHarmony High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The St Cloud market

Seller’s marketBalanced6.2 months of inventoryBuyer’s market

$414K$400K

St Cloud median sold, yr/yr

98.4%

Sale-to-list ratio (12 mo)

194 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% above the ST CLOUD 34772 median. See the full St Cloud market guide →

Paper trail

This home's history

CurrentPrice reduced to $386,900 $7K
May 18, 2026Listed at $393,900 · 66 days on market since
2005Built · FAWN MEADOWS AT DEER CREEK PH 1

Reality check

What actually sold near 2091 FAWN MEADOW CIRCLE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

2140 FAWN MEADOW CIRCLESold · Oct ’25

$343,000

2140 FAWN MEADOW CIRCLE · same community

4 bd · 2 ba · 1,782 sqft · $192/sqft · 34 DOM

3673 MOCA DRIVESold · Jun ’26

$415,000

3673 MOCA DRIVE

3 bd · 2 ba · 2,144 sqft · $194/sqft · 61 DOM

2542 BOBBY LEE LANESold · Sep ’25

$360,000

2542 BOBBY LEE LANE

4 bd · 2 ba · 2,153 sqft · $167/sqft · 195 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 2091 FAWN MEADOW CIRCLE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 2091 FAWN MEADOW 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.

Goes straight to David’s phone and CRM.

Straight answers

2091 FAWN MEADOW CIRCLE FAQs

What would the monthly payment be for 2091 FAWN MEADOW CIRCLE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,120/mo — principal and interest, the actual property-tax bill, the $47/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 2091 FAWN MEADOW CIRCLE?+

The association fee works out to $47 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 2091 FAWN MEADOW CIRCLE?+

The most recent tax bill on record (2025) was $5,575. 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 2091 FAWN MEADOW 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 $386,900, this home is listed about 9% 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 2091 FAWN MEADOW CIRCLE?+

St. Cloud Middle School (middle), Hickory Tree Elementary School (elementary), 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

01Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

02Time on market is leverage

66 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.

03The price has already moved

Listed at $393,900, now $386,900 — a $7K cut. The full history is in the market section below.

Listing courtesy of TAH FLORIDA LLC · Joshua Nogowski. MLS #TB8508943.

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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