5224 HAMMOCK POINTE COURT, ST CLOUD, FL, 34771
Active348 days on marketListed Aug 21, 2025MLS #O6332483
About this home
5224 HAMMOCK POINTE COURT
Priced Reduced... Motivated Seller. Stunning 4 Bedroom & 3 Bathroom Home in the Desirable Community of Hammock Pointe on Rare .36-Acre Lot with Water Views! As You Enter, You're Greeted by a Bright & Open Layout. French Doors Lead You into the Living Room Featuring 12-Foot Ceilings, A Cozy Fireplace & a Built-In Wired Surround Sound. The Heart of the Home is the Modern Kitchen, Equipped with Quartz Countertops, Stainless Steel Appliances (2022) & Eat-In Breakfast Area with Peaceful Backyard Views. The Primary Suite Offers a Generous Walk-In Closet, Dual Vanities and a Beautifully Updated Shower (2022). All Bedrooms Feature 10-Foot Ceilings, Adding to the Spacious Feel. This Split Floor Plan is Designed to Impress with Tile Flooring (2022), Vaulted Ceilings, & Crown Molding. Step Outside to Your Screened Lanai, The Perfect Spot for your Morning Coffee or Entertaining Guests, Overlooking the Expansive Backyard & Serene Water View. Oversized 2-Car Garage & Extended Driveway. Well Water for Sprinkler System. Mature Landscaping with Up-Lighting for Nighttime Curb Appeal. Located Just Minutes from Lake Nona, Medical City, VA Hospital, Shopping, Dining, And Top-Rated Schools. Enjoy A Neighborhood Perfect for Walking and Outdoor Activities. Don’t Miss This Opportunity to Own this Immaculately Maintained Home in the Desirable Hammock Pointe Community!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,243
Sqft
0.36 ac
Lot size
2
Garage
1998
Year built
Two
Levels
$240
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.
$4,241 /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
$4,241/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
+3.8%
$/sqft vs St Cloud actives
$240 vs $218
Days on market
348 vs 43 typical
Where $240/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
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
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
$412K → $407K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
213 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 26% 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 5224 HAMMOCK POINTE COURT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$540,000
5203 HAMMOCK POINTE COURT · same community
3 bd · 2.5 ba · 2,156 sqft · $250/sqft · 2 DOM
Sold · Jul ’26$556,000
5306 CRANE HILL COURT · same community
4 bd · 3 ba · 2,749 sqft · $202/sqft · 43 DOM
Sold · Jun ’26$710,000
5206 HAMMOCK POINTE COURT · same community
5 bd · 3.5 ba · 3,152 sqft · $225/sqft · 0 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
Tyler Stoddard
REALTOR · CENTURY 21 Edge
Tours, negotiation, and every question about 5224 HAMMOCK POINTE COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5224 HAMMOCK POINTE COURT — before you fall in love.
See it in person
Schedule a tour
Live availability from Tyler's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5224 HAMMOCK POINTE COURT FAQs
What would the monthly payment be for 5224 HAMMOCK POINTE COURT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,241/mo — principal and interest, the actual property-tax bill, the $85/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 5224 HAMMOCK POINTE COURT?+
The association fee works out to $85 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5224 HAMMOCK POINTE COURT?+
The most recent tax bill on record (2024) was $7,020. 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 5224 HAMMOCK POINTE COURT?+
The listing reports pets: Breed Restrictions, 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 $538,900, this home is listed about 26% above the St Cloud median of $429,000. The market section on this page shows how the area is trending.
Which schools are assigned to 5224 HAMMOCK POINTE COURT?+
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
Three things that matter here
01Positioned at the premium end
$538,900 runs 26% above the ST CLOUD 34771 median.
02Time on market is leverage
348 days on market against a St Cloud median of 43 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $599,900, now $538,900 — a $61K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of OUTLET REALTY · Ivan Tobon. MLS #O6332483.
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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