
3481 PAWLEYS LOOP N, ST CLOUD, FL, 34769
Active70 days on marketListed May 11, 2026MLS #O6406660
About this home
3481 PAWLEYS LOOP N
Warning: Reading this, you will realize everything has been done for you in this home with over $125k in upgrades. You already know why so many families search for homes in Stevens Plantation: spacious homes, tree-lined streets, and a location that keeps you close to the very best of Central Florida living while offering a true neighborhood atmosphere. What you may not expect is to find a home where nearly every detail has been upgraded and thoughtfully refined to create a truly turnkey experience. From the moment you arrive, it’s clear this residence was designed for both comfort and functionality. Offering 3,110 square feet with a desirable 3-car garage, this completely updated home blends luxury finishes with practical family living. The split floor plan is especially rare and highly functional, with all bedrooms conveniently located on the first floor, while an expansive upstairs bonus room creates endless possibilities for a theater room, game room, or private retreat. Inside, the transformation is immediately apparent. Luxury lighting elevates every space, while custom baseboards, upgraded finishes, and luxury vinyl flooring flowing throughout the home create a clean, modern aesthetic. The dedicated office or den features upgraded custom doors, creating a private and refined workspace perfect for remote work or study. At the center of the home is the beautifully redesigned kitchen, created for both entertaining and everyday living. Quartz countertops, upgraded cabinetry, designer backsplash, upgraded sink and faucet, and thoughtfully selected finishes combine to create a space that feels elegant and functional. The kitchen opens seamlessly into the main living areas, allowing the home to feel connected and spacious. Nearby, the dining room has been enhanced with custom built-in cabinetry that adds sophistication and practical storage. The owner’s suite offers the kind of comfort and refinement buyers are searching for, highlighted by a custom-designed master closet system and beautifully remodeled bathroom. Custom built-in bathroom cabinetry and upgraded finishes bring a luxury feel to every bath throughout the home. The updates continue well beyond cosmetic improvements. Major investments include a new roof (2021), double-pane windows (2023), upgraded sliding doors, a tankless water heater, new electrical panel, Tesla charger, water softener system, and a roof lightning protection. Even the laundry room was thoughtfully redesigned with upgraded cabinetry, while the oversized storage attic provides exceptional space rarely found in newer homes. Step outside, and the home transforms into a private Florida retreat. The open-air pool and pavered deck create the perfect setting for entertaining, relaxing weekends, or family gatherings year-round. A dedicated pool bath with direct access to the outdoor living area adds both convenience and functionality to the space. Every system, finish, and detail contributes to a home that feels modern, efficient, and completely move-in ready. Combined with its location just minutes from the tourist corridor along US Highway 192, the home offers exceptional convenience to dining, entertainment, shopping, and Central Florida attractions while still maintaining the comfort of a residential community. Even the HOA adds significant value, including Spectrum 1GB internet, premium cable channels, and a Flock neighborhood camera safety system Call now to schedule a showing...this home will not last.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
3,110
Sqft
0.22 ac
Lot size
2
Garage
2005
Year built
Two
Levels
$187
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.
$3,896 /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
$3,896/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
−18.1%
$/sqft vs St Cloud actives
$187 vs $221
Days on market
70 vs 33 typical
Where $187/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
Get to know St Cloud. See the full St Cloud guide →
ST CLOUD 34769 — neighborhood snapshot
Population
29,247
Median age
36
Median income
$58,764
Median home value
$271,800
Avg household
2.93
Households w/ children
3,039
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 108% above the ST CLOUD 34769 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 3481 PAWLEYS LOOP N
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$420,000
3151 CEDAR HAMMOCK COURT · same community
3 bd · 3 ba · 3,085 sqft · $136/sqft · 20 DOM
Sold · May ’26$550,000
3161 BUCKINGHAM WAY · same community
4 bd · 3 ba · 3,053 sqft · $180/sqft · 69 DOM
Sold · Sep ’25$615,000
2840 LAFAYETTE TRACE DRIVE · same community
4 bd · 2.5 ba · 3,032 sqft · $203/sqft · 10 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
Shawn Headley
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3481 PAWLEYS LOOP N — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3481 PAWLEYS LOOP N — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3481 PAWLEYS LOOP N FAQs
What would the monthly payment be for 3481 PAWLEYS LOOP N?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,896/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 3481 PAWLEYS LOOP N?+
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 3481 PAWLEYS LOOP N?+
The most recent tax bill on record (2025) was $3,691. 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 3481 PAWLEYS LOOP N?+
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 $582,500, this home is listed about 37% 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 3481 PAWLEYS LOOP N?+
Lakeview Elementary School (elementary), St. Cloud High School (high), St. Cloud 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
$582,500 runs 108% above the ST CLOUD 34769 median — but at 3,110 sqft it's also 57% larger than the typical St Cloud listing.
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
70 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 $615,000, now $582,500 — a $33K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PRISTINE FLORIDA PROPERTIES LLC · Sean McCartney. MLS #O6406660.
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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