3806 OPAL CIRCLE, ST CLOUD, FL, 34772
Active32 days on marketListed Jun 17, 2026MLS #G5113979
About this home
3806 OPAL CIRCLE
Virtually Staged. Nestled on a quiet cul-de-sac in the highly desirable Sawgrass community, this spacious home offers privacy, comfort, and an exceptional location with no rear neighbors and plenty of room to add a future pool. Enjoy Florida living from the covered lanai overlooking a peaceful, private backyard setting. Inside, you'll find an open and inviting floor plan featuring ceramic tile throughout the main living areas, wood laminate flooring in the front office and dining room, and comfortable carpeting in the bedrooms. The kitchen is designed for both function and style with warm maple cabinetry, laminate countertops, a decorative tile backsplash, and stainless steel appliances. The adjoining breakfast nook includes additional built-in cabinetry, creating excellent pantry and storage space. Architectural details add character throughout the home, including volume ceilings, crown molding in select rooms, and a tray ceiling in the primary suite. The spacious primary bedroom offers a relaxing retreat, while the primary bath features dual vanities, a garden tub, and a separate shower. Major updates have already been completed, including a roof replaced in 2018. The air handler was manufactured in January 2016, making it less than 10 years old. The property also benefits from a remarkably low HOA fee of just $493 per year. Sawgrass residents enjoy convenient access to Lake Nona Medical City, Orlando International Airport, the Florida Turnpike, and major employers throughout Central Florida. Nearby you'll find shopping, restaurants, schools, parks, golf, and outdoor recreation, while still enjoying the charm and small-town feel of St. Cloud. If you're looking for a well-maintained home with privacy, updates, and an outstanding location, this Sawgrass gem deserves a closer look.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,069
Sqft
0.25 ac
Lot size
2
Garage
1999
Year built
One
Levels
$188
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.
$3,206 /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
$3,206/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
−2%
$/sqft vs St Cloud actives
$188 vs $221
Days on market
32 vs 33 typical
Where $188/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)
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% 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 3806 OPAL CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$379,000
3347 GATOR BAY CREEK BOULEVARD · same community
3 bd · 2 ba · 1,770 sqft · $214/sqft · 37 DOM
Sold · Apr ’26$367,500
3723 RICKY LANE
4 bd · 3.5 ba · 2,078 sqft · $177/sqft · 226 DOM
Sold · Apr ’26$458,000
3796 CLINT COURT
3 bd · 2 ba · 2,090 sqft · $219/sqft · 7 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
Jessica Stickler
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3806 OPAL CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3806 OPAL CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Jessica's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3806 OPAL CIRCLE FAQs
What would the monthly payment be for 3806 OPAL CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,206/mo — principal and interest, the actual property-tax bill, the $41/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 3806 OPAL CIRCLE?+
The association fee works out to $41 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3806 OPAL CIRCLE?+
The most recent tax bill on record (2025) was $6,445. 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 3806 OPAL 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 $389,900, this home is listed about 8% 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 3806 OPAL 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.
Keep looking
Similar homes nearby
Listing courtesy of WORTH CLARK REALTY · Chris Day. MLS #G5113979.
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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