3659 MALAWI TRAIL, ST CLOUD, FL, 34772
Active230 days on marketListed Dec 2, 2025MLS #O6364483
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Mon, Jul 20
10:00 AM – 6:00 PM
OPEN HOUSE AT MODEL HOME This home is open for self-touring 7 days a week.
About this home
3659 MALAWI TRAIL
The Conrad is a one-story floorplan featured in our Buena Lago. Inside this 4-bedroom, 3-bathroom home, you’ll find 2,745 square feet of comfortable living. This home offers a three-car garage and covered porch in the rear of the home for relaxing outdoor living. This amazing one-story home caters to you and features all concrete block construction. The kitchen overlooks the casual dining and liging room, while having a view to the covered oversized lanai outside. The well-appointed kitchen features an island with bar seating, plentiful cabinet with beautiful quartz countertops and stainless steel appliances, making entertaining a breeze. Bedroom one, located at the back left of the house for privacy, has an en suite bathroom with double vanity and two spacious walk-in closets providing ample space for storage. One guest bedroom and one full bath are located at the front of the home. Two additional bedrooms on the other side of the home by the kitchen along with an Activity room and bathroom. This home is open for self-touring 7 days a week. *Photos are of similar model but not that of exact house. Pictures, photographs, colors, features, and sizes are for illustration purposes only and will vary from the homes as built. Home and community information including pricing, included features, terms, availability and amenities are subject to change and prior sale at any time without notice or obligation. Please note that no representations or warranties are made regarding school districts or school assignments; you should conduct your own investigation regarding current and future schools and school boundaries.*
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,745
Sqft
0.4 ac
Lot size
3
Garage
2025
Year built
One
Levels
$251
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.
$4,676 /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
$4,676/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
+33.2%
$/sqft vs BUENA LAGO
$251 vs $216
Days on market
230 vs 33 typical
Where $251/sqft sits among the 9 homes for sale in BUENA LAGO
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)
5 of 9
BUENA LAGO have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 86% 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 3659 MALAWI TRAIL
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$464,990
3666 MALAWI TRAIL · same community
5 bd · 3 ba · 2,601 sqft · $179/sqft · 92 DOM
Sold · Jun ’26$449,990
3626 MALAWI TRAIL · same community
5 bd · 3 ba · 2,601 sqft · $173/sqft · 77 DOM
Sold · Apr ’26$464,990
3646 MALAWI TRAIL · same community
5 bd · 3 ba · 2,601 sqft · $179/sqft · 94 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
Angela Rodriguez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3659 MALAWI TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3659 MALAWI TRAIL — before you fall in love.
See it in person
Schedule a tour
Live availability from Angela's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3659 MALAWI TRAIL FAQs
What would the monthly payment be for 3659 MALAWI TRAIL?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,676/mo — principal and interest, the actual property-tax bill, the $67/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 3659 MALAWI TRAIL?+
The association fee works out to $67 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3659 MALAWI TRAIL?+
The most recent tax bill on record (2024) was $5,675. 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 3659 MALAWI TRAIL?+
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 $688,990, this home is listed about 62% 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 3659 MALAWI TRAIL?+
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
Three things that matter here
01Positioned at the premium end
$688,990 runs 86% above the ST CLOUD 34772 median — but at 2,745 sqft it's also 39% larger than the typical St Cloud listing.
02Time on market is leverage
230 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 $847,071, now $688,990 — a $158K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of DR HORTON REALTY OF CENTRAL FLORIDA LLC · Stephen Cline. MLS #O6364483.
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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