2663 BITTERN BEND, ST CLOUD, FL, 34773
Pending136 days on marketListed Mar 5, 2026MLS #O6387753
About this home
2663 BITTERN BEND
Under Construction. Discover this stunning new construction home at 2663 Bittern Bend in Saint Cloud, thoughtfully designed with 4 bedrooms, 3 bathrooms, 2,489 square feet of comfortable living space, and a 2-car garage. The home's floorplan maximizes space and functionality, creating seamless transitions between living areas. The open-concept design connects the kitchen, dining, and living spaces, making it ideal for both daily living and entertaining guests. Upstairs, your owner's bedroom provides a private retreat, featuring an en-suite bathroom with a double-sink vanity and a large walk-in closet. The other 3 bedrooms, including a first-floor guest bedroom, and the spacious loft give plenty of room for family, guests, and home office space. With its solid construction and well-planned layout, this home provides the perfect foundation for creating lasting memories. Experience the benefits of new construction with modern design elements and quality craftsmanship throughout every room. Contact us today to learn more!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,489
Sqft
0.13 ac
Lot size
2
Garage
2026
Year built
Two
Levels
$197
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.
$3,467 /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
$3,467/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
−0.5%
$/sqft vs St Cloud actives
$197 vs $221
Days on market
136 vs 33 typical
Where $197/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
Get to know St Cloud. See the full St Cloud guide →
ST CLOUD 34773 — neighborhood snapshot
Population
5,495
Median age
38.2
Median income
$64,498
Median home value
$312,500
Avg household
3.06
Households w/ children
629
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)
188 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 56% above the ST CLOUD 34773 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 2663 BITTERN BEND
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$414,990
2941 HOUSE FINCH ROAD
5 bd · 3 ba · 2,447 sqft · $170/sqft · 132 DOM
Sold · Dec ’25$415,990
2948 HOUSE FINCH ROAD
5 bd · 3 ba · 2,447 sqft · $170/sqft · 47 DOM
Sold · Sep ’25$425,990
2945 ELIO HAMMOCK DRIVE
5 bd · 3 ba · 2,447 sqft · $174/sqft · 62 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
Darrick Cook
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2663 BITTERN BEND — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2663 BITTERN BEND — before you fall in love.
See it in person
Schedule a tour
Live availability from Darrick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2663 BITTERN BEND FAQs
What would the monthly payment be for 2663 BITTERN BEND?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,467/mo — principal and interest, the actual property-tax bill, the $125/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 2663 BITTERN BEND?+
The association fee works out to $125 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2663 BITTERN BEND?+
The most recent tax bill on record (2025) was $970. 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 2663 BITTERN BEND?+
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 $489,990, this home is listed about 15% 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 2663 BITTERN BEND?+
Harmony High School (high), Harmony Community School (elementary), Narcoossee Middle School (middle) — 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
$489,990 runs 56% above the ST CLOUD 34773 median — but at 2,489 sqft it's also 26% larger than the typical St Cloud listing.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
136 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Harmony High School, Harmony Community School, Narcoossee Middle School — Harmony Community School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS ADVANTAGE REALTY · Stacie Brown Kelly. MLS #O6387753.
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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