3651 DAYDREAM PLACE, ST CLOUD, FL, 34772
Active119 days on marketListed Jun 13, 2026MLS #O6416673
About this home
3651 DAYDREAM PLACE
NEW ROOF (2025), NO REAR NEIGHBORS, 5 BEDROOMS, 3,486 SQ FT, LOW $85/MO HOA! Welcome to this spacious and beautifully updated 5-bedroom, 3.5-bathroom home in the desirable Esprit community of St. Cloud, offering 3,486 square feet of heated living space and a versatile floor plan designed for comfortable living and entertaining. Major updates include a NEW ROOF (2025), A/C (2022), and WATER HEATER (2019), offering valuable peace of mind for years to come. The remodeled kitchen serves as the heart of the home, featuring modern finishes, abundant cabinetry, and generous counter space. The open living areas showcase soaring ceilings, luxury vinyl flooring, and plenty of natural light, creating a bright and welcoming atmosphere. The thoughtfully designed floor plan features a first-floor primary suite, four additional bedrooms upstairs, and a spacious bonus room that can easily be used as a home office, media room, playroom, gym, or additional living space. Whether you need room for a growing household, guests, working from home, or entertaining, this home offers plenty of flexibility. Step outside to the fully fenced backyard with no home directly behind the property, providing a more open and peaceful outdoor setting. Situated on a 0.19-acre lot, the backyard offers a comfortable space to relax, entertain, or enjoy Florida's year-round sunshine. Residents of Esprit enjoy community amenities including a community pool and park, while the low HOA of just $85/month helps keep ownership costs manageable. Conveniently located near Florida's Turnpike, shopping, dining, schools, and everyday conveniences, this home offers the space, updates, and location today's buyers are looking for. Schedule your private showing today! FINANCING INCENTIVE: Qualified buyers may receive up to 1% in lender credits toward eligible closing costs or an interest-rate buydown when financing and closing with our preferred/approved lender, Felix Ospina at Home1st Lending, NMLS #2163913. Restrictions and program guidelines apply. Inquire for details and eligibility.
Facts & features
The home at a glance
5
Bedrooms
3.5
Bathrooms
3,486
Sqft
0.19 ac
Lot size
2
Garage
2006
Year built
Two
Levels
$159
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.
$4,126 /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
$4,126/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
+16.4%
$/sqft vs St Cloud actives
$159 vs $211
Days on market
119 vs 65 typical
Where $159/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.
The investor lens
Two ways this home pays
This home sits inside Esprit, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,350/mo median
Live St Cloud rental listing data — this home’s rate depends on size, condition and furnishing.
Where it sits
Inside Esprit
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Esprit is a short-term-rental community. See the full 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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Cloud market
$412K → $399K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
226 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 39% above the ST CLOUD 34772 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 3651 DAYDREAM PLACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$440,000
3791 MOON DANCER PLACE · same community
4 bd · 2.5 ba · 2,865 sqft · $154/sqft · 244 DOM
Sold · Dec ’25$420,000
3759 MOON DANCER PLACE · same community
5 bd · 2.5 ba · 2,847 sqft · $148/sqft · 15 DOM
Sold · Jun ’26$423,000
3657 DAYDREAM PLACE · same community
4 bd · 3 ba · 2,639 sqft · $160/sqft · 13 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3651 DAYDREAM PLACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3651 DAYDREAM PLACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3651 DAYDREAM PLACE FAQs
What would the monthly payment be for 3651 DAYDREAM PLACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,126/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 3651 DAYDREAM PLACE?+
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 3651 DAYDREAM PLACE?+
The most recent tax bill on record (2025) was $4,417. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 3651 DAYDREAM PLACE be rented short-term?+
Yes — this home sits inside Esprit, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 3651 DAYDREAM PLACE?+
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 $555,000, this home is listed about 29% above the St Cloud median of $429,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3651 DAYDREAM PLACE?+
Neptune Elementary School (elementary), St. Cloud High School (high), Neptune Middle School (middle) — 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
$555,000 runs 39% above the ST CLOUD 34772 median — but at 3,486 sqft it's also 73% larger than the typical St Cloud listing.
02Zoned for nightly rentals
Esprit is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03The price has already moved
Listed at $565,000, now $555,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of SET HOMES REALTY LLC · Vanesa Vega. MLS #O6416673.
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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