5210 HAMMOCK CIRCLE, ST CLOUD, FL, 34771
Active52 days on marketListed May 29, 2026MLS #O6409148
About this home
5210 HAMMOCK CIRCLE
**This house comes with a REDUCED RATE through the seller's preferred lender. This is a lender-paid rate buydown that reduces the buyer's interest rate and monthly payment.** Welcome to 5210 Hammock Circle in St. Cloud, a spacious two-story home offering 4 bedrooms, 3.5 bathrooms, a versatile loft, and multiple indoor and outdoor living spaces designed for comfort and flexibility. With a functional layout, generous living areas, and exceptional parking space, this home offers the perfect balance of everyday living and entertaining. Inside, the main living areas flow seamlessly between the kitchen, dining, and gathering spaces, creating an inviting atmosphere that feels open, connected, and ideal for hosting. The flexible floor plan offers endless possibilities for a home office, guest space, hobby area, or additional living needs, while the upstairs loft serves as the perfect bonus space for a media room, playroom, study area, or second lounge. One of the home’s standout features is the oversized driveway with parking for up to 12 vehicles, a rare and highly desirable feature that offers incredible convenience for larger households and entertaining guests. Outdoor living is equally inviting with a welcoming front porch, covered rear porch, and extended patio area ideal for grilling, outdoor dining, relaxing, or enjoying the Florida lifestyle year-round. The backyard provides plenty of open, usable space to create your own private outdoor retreat. Located just minutes from Lake Nona, this home offers convenient access to one of Central Florida’s fastest-growing destinations, known for its Medical City, highly rated dining, shopping, entertainment, and major employers. Residents also enjoy easy access to nearby parks, lakes, schools, and major roadways connecting to Kissimmee, Orlando, and surrounding Central Florida areas, all while enjoying the comfort of a residential neighborhood setting.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
3,811
Sqft
0.25 ac
Lot size
2
Garage
2001
Year built
Two
Levels
$193
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.
$5,188 /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
$5,188/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
−14.5%
$/sqft vs St Cloud actives
$193 vs $221
Days on market
52 vs 33 typical
Where $193/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 34771 — neighborhood snapshot
Population
31,368
Median age
38.6
Median income
$101,434
Median home value
$427,500
Avg household
3.21
Households w/ children
4,183
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 73% above the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 5210 HAMMOCK CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$550,000
12332 HAMMOCK POINTE CIRCLE · same community
4 bd · 3 ba · 2,794 sqft · $197/sqft · 63 DOM
Sold · Apr ’26$475,000
11616 THACKER DRIVE · same community
4 bd · 2.5 ba · 2,498 sqft · $190/sqft · 141 DOM
Sold · Jun ’26$530,000
5229 HAMMOCK CIRCLE · same community
3 bd · 2.5 ba · 2,027 sqft · $261/sqft · 113 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
Yumiko Sugawara
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 5210 HAMMOCK CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5210 HAMMOCK CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Yumiko's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5210 HAMMOCK CIRCLE FAQs
What would the monthly payment be for 5210 HAMMOCK CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,188/mo — principal and interest, the actual property-tax bill, the $85/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 5210 HAMMOCK CIRCLE?+
The association fee works out to $85 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5210 HAMMOCK CIRCLE?+
The most recent tax bill on record (2025) was $8,429. 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 5210 HAMMOCK CIRCLE?+
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 $734,900, this home is listed about 73% 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 5210 HAMMOCK CIRCLE?+
Lakeview Elementary School (elementary), Narcoossee 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
$734,900 runs 73% above the ST CLOUD 34771 median — but at 3,811 sqft it's also nearly twice the size of the typical St Cloud listing.
02Garden & Trees/Woods views
The garden and trees/woods view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $774,900, now $734,900 — a $40K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY AT THE PARKS · Thomas Nickley, Jr. MLS #O6409148.
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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