2320 SYMPHONY CIRCLE, ST CLOUD, FL, 34771
Active35 days on marketListed Jun 15, 2026MLS #O6417183
About this home
2320 SYMPHONY CIRCLE
Welcome to a home that feels less like a place to live and more like the beginning of your next favorite chapter. Tucked inside one of Lake Nona’s sought-after gated 55+ communities, this beautifully maintained residence invites you in with warmth, space, and just the right touch of everyday luxury. From the moment you step inside, the open layout unfolds effortlessly, with gorgeous tile flooring guiding you through bright and airy living spaces designed for both quiet mornings and lively gatherings. The heart of the home is where everything comes together, from the spacious kitchen to the inviting living area, with a separate front living room that feels like your own private retreat, complete with a charming mini bar and beverage fridge ready for entertaining or unwinding at the end of the day. Each of the three bedrooms offers something rare and special, its own full-sized bathroom, creating comfort and privacy for everyone. A fourth room serves perfectly as a study, hobby space, or even an additional guest area, with a conveniently located bathroom just steps away for visitors. Step outside and the story continues. The back patio becomes your personal escape, featuring a propane-fueled outdoor kitchen where evenings are best spent cooking, laughing, and enjoying Florida’s beautiful weather. Life here extends far beyond your front door. This gated community was designed for connection, relaxation, and enjoyment, offering a resort-style pool, clubhouse, and fitness center, all just moments away. Even better, lawn care and internet are included, making everyday living feel effortless. Whether you’re looking to settle in right away or prefer to experience the lifestyle first, this home offers a unique opportunity. The owner welcomes long-term renters while also remaining open to selling, now or down the road, for those who find themselves falling in love with not just the home, but the entire community. This is more than a home. It’s a place where comfort meets possibility, and where your next chapter is ready to begin. Please note, only one person living in the home must be at least 55 years young.
Facts & features
The home at a glance
3
Bedrooms
4
Bathrooms
2,631
Sqft
0.22 ac
Lot size
2
Garage
2022
Year built
One
Levels
$1
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$185 /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
$185/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.
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.
$/sqft vs St Cloud actives
$1 vs $221
Days on market
35 vs 33 typical
Where $1/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 Serenity, 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 · projected
$42,776/yr gross
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,369/mo median
Live St Cloud rental listing data — this home’s rate depends on size, condition and furnishing.
The Florida short-term market
▼ Softening40%
Occupancy
▼ 45% yr/yr
$154
Avg nightly rate
▲ 8% yr/yr
$14K/yr
Revenue per listing
$62
RevPAR
29 days
Booking lead time
5.8 nights
Avg stay
7
Typical min nights
43
Active rentals
▼ 12% supply
Seasonality — monthly occupancy
Peaks at 53% in Mar · bottoms at 26% in May
Last 12 months of data, January–December, bars scaled to the seasonal peak. Market-wide averages across all home sizes in Florida — the projection above is specific to this home’s size.
Where it sits
Inside Serenity
Drive times from this address
Serenity is a short-term-rental community. See the full 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 99% below the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 2320 SYMPHONY CIRCLE
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$620,000
2335 SYMPHONY CIRCLE · same community
3 bd · 3.5 ba · 2,625 sqft · $236/sqft · 43 DOM
Sold · Mar ’26$1,030,000
4875 JONES ROAD
4 bd · 3 ba · 2,597 sqft · $397/sqft · 121 DOM
Sold · Mar ’26$480,000
5128 RAVENA AVENUE W
3 bd · 3 ba · 2,584 sqft · $186/sqft · 111 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
Tyler Stoddard
REALTOR · CENTURY 21 Edge
Tours, negotiation, and every question about 2320 SYMPHONY CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2320 SYMPHONY CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Tyler's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2320 SYMPHONY CIRCLE FAQs
What would the monthly payment be for 2320 SYMPHONY CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $185/mo — principal and interest, estimated property taxes 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.
Can 2320 SYMPHONY CIRCLE be rented short-term?+
Yes — this home sits inside Serenity, 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 2320 SYMPHONY CIRCLE?+
The listing reports pets: Cats OK, Dogs OK, Size Limit. 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 $3,400, this home is listed about 99% 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 2320 SYMPHONY 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.
Keep looking
Similar homes nearby
Listing courtesy of PREFERRED REAL ESTATE BROKERS · Stacey Payne. MLS #O6417183.
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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