CENTURY 21 Edge
Pending
$2,200$2,3003 bd2 ba1,537 sqft$1 /sqft$176 /mo all-in ↓

3838 WHITETAIL COURT, ST CLOUD, FL, 34772

Pending112 days on marketListed Apr 17, 2026MLS #O6400248

Priced 99% below the ST CLOUD 34772 medianReduced $100Single Family ResidenceDEER RUN ESTATES

About this home

3838 WHITETAIL COURT

Tremendous opportunity to rent a fabulous home in the popular Deer Run Estates subdivision. This beautiful 3 bedroom, 2 bathroom, 2 car garage single home has been very well maintained and offers many upgrades. Planned well, the home boasts – a large living/dining area, an amazing kitchen to include granite counter tops, stainless steel appliances, an extra large island with bar seating, primary bedroom with large walk-in closet, laminate floors, split bedroom plan, paver patio, washer and dryer and so much more. Conveniently located with easy access to shopping, dining, our amazing attractions with an easy commute to Lake Nona, Medical City, and even the airport. Won't last long...call today to schedule a tour!

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,537

Sqft

0.16 ac

Lot size

2

Garage

2023

Year built

One

Levels

$1

Per sqft

Inside

AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Refrigerator
InteriorCeiling Fan(s) · High Ceilings · Living Room/Dining Room Combo · Primary Bedroom Main Floor · Split Bedroom · Stone Counters · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air
HeatingElectric

Outside & construction

Community & fees

PetsNo

Utilities & systems

The numbers

What it really costs

Principal and interest plus estimated taxes and insurance. Run your own numbers below.

$176 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$13
FHA mortgage insurance (est.)$1
Est. property taxes (1.1%/yr)$2
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $77Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesEstimated at 1.1%/yrInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $77
Interest rate6.00%
Loan term

Estimated payment

$176/mo

Principal & interest$13
FHA mortgage insurance (est.)$1
Est. property taxes$2
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Where it sits

Inside St Cloud

Map of 3838 WHITETAIL COURT

Drive times from this address

Universal Orlando44 min
Walt Disney World45 min
Orlando Int’l Airport (MCO)45 min
Downtown Orlando45 min

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

ElementaryHickory Tree Elementary School★★★★★
MiddleSt. Cloud Middle School★★★★★
HighHarmony High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The St Cloud market

Seller’s marketLeans seller4.7 months of inventoryBuyer’s market

$412K$395K

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 99% below the ST CLOUD 34772 median. See the full St Cloud market guide →

Paper trail

This home's history

CurrentPrice reduced to $2,200 $100
Apr 17, 2026Listed at $2,300 · 112 days on market since
2023Built · DEER RUN ESTATES

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.

Leliana Vazquez

Your agent

Leliana Vazquez

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 3838 WHITETAIL COURT — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3838 WHITETAIL COURT — before you fall in love.

See it in person

Schedule a tour

Live availability from Leliana's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

3838 WHITETAIL COURT FAQs

What would the monthly payment be for 3838 WHITETAIL COURT?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $176/mo — principal and interest, estimated property taxes 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.

Are pets allowed at 3838 WHITETAIL COURT?+

The listing reports pets: No. 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 $2,200, this home is listed about 99% below the St Cloud median of $429,675. The market section on this page shows how the area is trending.

Which schools are assigned to 3838 WHITETAIL COURT?+

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

01Under the ST CLOUD 34772 market on paper

$2,200 is 99% below the ST CLOUD 34772 median of $379,000, and at $1/sqft it sits under the St Cloud average of $237.

02Time on market is leverage

112 days on market against a St Cloud median of 42 — sellers in this position are usually ready to negotiate.

03The price has already moved

Listed at $2,300, now $2,200 — a $100 cut. The full history is in the market section below.

Listing courtesy of GLOBAL REALTY INTERNATIONAL · Steve Merchant. MLS #O6400248.

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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3838 WHITETAIL COURT, ST CLOUD, FL — 3 Bed, 2 Bath — $2,200 | CENTURY 21 Edge