3149 SONGBIRD CIRCLE, ST CLOUD, FL, 34773
Pending48 days on marketListed Jun 6, 2026MLS #O6414459
About this home
3149 SONGBIRD CIRCLE
SNOWBIRDS WELCOME! ARE YOU LOOKING FOR A BUDGET-FRIENDLY HOME? This almost-new 2022 home is MOVE-IN READY and includes lawncare! This adorable 2 Bed/2 Bath home is located in a GOLFING community with resort-style amenities, and is the most affordable in the community. The KITCHEN is fit for any chef, with beautiful QUARTZ countertops, a LARGE ISLAND, and SS Appliances. Featuring light and bright accents, with Soft-Close WHITE SHAKER CABINETS. The Pantry is upgraded with custom shelving (Closets-By-Design). Enjoy open concept living with CERAMIC TILE FLOORING throughout the common areas. Also some of the special features include CUSTOM CLOSETS by Closets-By-Design in the bedrooms, elegant crown molding, custom Tinted Windows, a whole home WATER FILTRATION SYSTEM, and a Rain Water Barrel for water conservation. Enjoy a peaceful morning drink in the SCREENED LANAI and beautiful sunsets while barbecuing on the open PATIO in the evenings. Wildlife is frequently present to enjoy while overlooking your private back yard with lush, mature trees and shrubs. Your fur babies are welcome! This vibrant 55 plus active community offers activities for all levels of fitness. The streets are tree-lined with plenty of sidewalks and bike paths for enjoying the scenic Johnny Miller-designed golf course. Amenities include golfing, two heated swimming pools, two fitness centers, pickleball, tennis, game nights at the club house, and some day trips. The community also has a private lake offering pontoon boats, fishing boats, and kayaks for reservation at no additional charge. Fishing off the pier is also a favorite. There are food establishments and other services just one mile away at the town square. Whether you are an avid golfer or a peaceful nature lover, this is the community for you! Conveniently located between Kissimmee and Melbourne, about 1 hour to local East Coast beaches, as well as Orlando attractions, and airport. Don't miss this opportunity to own this upgraded, move-in ready gem!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,305
Sqft
0.11 ac
Lot size
2
Garage
2022
Year built
One
Levels
$215
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.
$2,092 /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
$2,349/mo
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
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
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)
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 8% below the ST CLOUD 34773 median. See the full St Cloud market guide →
Paper trail
This home's history
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 3149 SONGBIRD CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3149 SONGBIRD 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
3149 SONGBIRD CIRCLE FAQs
What would the monthly payment be for 3149 SONGBIRD CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,092/mo — principal and interest, estimated property taxes, the $160/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 3149 SONGBIRD CIRCLE?+
The association fee works out to $160 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3149 SONGBIRD CIRCLE?+
The most recent tax bill on record (2025) was $0. 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 3149 SONGBIRD CIRCLE?+
The listing reports pets: Cats OK, Dogs OK. 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 $280,000, this home is listed about 34% below the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3149 SONGBIRD CIRCLE?+
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.
Listing courtesy of DALTON WADE INC · Maleisa Remsberg. MLS #O6414459.
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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