CENTURY 21 Edge
$582,500$615,0004 bd3 ba3,110 sqft$187 /sqft$3,896 /mo all-in ↓

3481 PAWLEYS LOOP N, ST CLOUD, FL, 34769

Active70 days on marketListed May 11, 2026MLS #O6406660

Reduced $33KPrivate poolSingle Family ResidenceSTEVENS PLANTATION

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

Private poolPets allowed

Inside

FlooringLuxury Vinyl · Porcelain Tile
AppliancesDishwasher · Disposal · Microwave · Range · Refrigerator · Tankless Water Heater
InteriorBuilt-in Features · Ceiling Fan(s) · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Surface Counters · Solid Wood Cabinets · Stone Counters · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryElectric Dryer Hookup · Inside · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Stucco · Wood Siding
FoundationSlab
FacesNortheast
ParkingDriveway · Garage Door Opener · On Street
ExteriorIrrigation System · Lighting · Private Mailbox · Private Yard · Rain Gutters · Sidewalk · Sliding Doors

Community & fees

HOA fee$67/mo
Taxes (2025)$3,691/yr
PetsYes

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected · Fiber Optics · Public · Sewer Connected · Underground Utilities · Water Connected
WaterPublic

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%

Principal & interest$3,143
PMI (est., until 20% equity)$218
Property tax — 2025 actual bill$308
HOA fee — from the listing$67
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $58,250Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $58,250
Interest rate6.00%
Loan term

Estimated payment

$3,896/mo

Principal & interest$3,143
PMI (est., until 20% equity)$218
Property taxes (actual bill)$308
HOA / condo fee$67
Est. insurance$160

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.

List $583K
$559KedgeAI estimate $711,078 · range $582K$872K$907K

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

99 · this home
126
87
37
16
35
$156–192$192–228$228–264$264–300$300–335$335+

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

Map of 3481 PAWLEYS LOOP N

Drive times from this address

Orlando Int’l Airport (MCO)32 min
Universal Orlando35 min
Downtown Orlando37 min
Walt Disney World41 min

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

ElementaryLakeview Elementary School★★★★★
HighSt. Cloud High School★★★★★
MiddleSt. Cloud Middle School★★★★★

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

The numbers that matter

The St Cloud market

Seller’s marketBalanced6.2 months of inventoryBuyer’s 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

CurrentPrice reduced to $582,500 $33K
May 11, 2026Listed at $615,000 · 70 days on market since
2005Built · STEVENS PLANTATION

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.

3151 CEDAR HAMMOCK COURTSold · Jan ’26

$420,000

3151 CEDAR HAMMOCK COURT · same community

3 bd · 3 ba · 3,085 sqft · $136/sqft · 20 DOM

3161 BUCKINGHAM WAYSold · May ’26

$550,000

3161 BUCKINGHAM WAY · same community

4 bd · 3 ba · 3,053 sqft · $180/sqft · 69 DOM

2840 LAFAYETTE TRACE DRIVESold · 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.

Shawn Headley

Your agent

Shawn Headley

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 3481 PAWLEYS LOOP N — start here.

Andrew Acosta

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.

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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