1012 TONY CIRCLE, ST CLOUD, FL, 34772
Active281 days on marketListed Oct 14, 2025MLS #O6352299
About this home
1012 TONY CIRCLE
Welcome to 1012 Tony Circle, a beautifully maintained 4-bedroom, 2-bath pool home in the heart of St. Cloud. Sitting on a little over a quarter-acre lot, this property offers the perfect blend of space, comfort, and Florida living. Enjoy a sparkling 4-year-old screened-in pool surrounded by a spacious fenced backyard, ideal for entertaining or relaxing outdoors. Inside, you’ll find a freshly painted interior 2025, updated floors and a renovated kitchen completed in 2019 featuring modern cabinetry, quartz countertops, and stainless steel appliances. The split floor plan provides privacy with a generous owner’s suite and three additional bedrooms. Conveniently located near shopping, dining, schools, parks, and major roadways with easy access to Lake Nona, Orlando International Airport, and the beaches. Move-in ready and beautifully cared for this home offers everything you’ve been looking for in Central Florida living!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,997
Sqft
0.28 ac
Lot size
2
Garage
1993
Year built
One
Levels
$213
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.
$2,988 /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
$2,988/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
+1.7%
Days on market
281 vs 33 typical
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 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)
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 15% above the ST CLOUD 34772 median. See the full St Cloud market guide →
Paper trail
This home's history
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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1012 TONY CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1012 TONY CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1012 TONY CIRCLE FAQs
What would the monthly payment be for 1012 TONY CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,988/mo — principal and interest, the actual property-tax bill, the $27/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 1012 TONY CIRCLE?+
The association fee works out to $27 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1012 TONY CIRCLE?+
The most recent tax bill on record (2024) was $1,334. 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 1012 TONY 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 $425,000, this home is priced right at the St Cloud median.
Which schools are assigned to 1012 TONY 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
Four things that matter here
01Positioned at the premium end
$425,000 runs 15% above the ST CLOUD 34772 median.
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
281 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 $450,000, now $425,000 — a $25K cut. The full history is in the market section below.
Listing courtesy of LPT REALTY, LLC · Jasmine Vazquez. MLS #O6352299.
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.
Never miss a listing
New St Cloud homes, in your inbox
Like 1012 TONY CIRCLE but not quite? A daily digest of every new listing in St Cloud — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Cindy to ping you on any price or status change →