2918 CANOE CIRCLE, ST CLOUD, FL, 34769
Active1 days on marketListed Aug 4, 2026MLS #O6427444
About this home
2918 CANOE CIRCLE
A cozy home on a fabulous lot, located in a community with a low HOA, community pool and playground, this home combines affordability, comfort, and convenience in a desirable St. Cloud location. A charming 3-bedroom, 2-bathroom home that offers 1,062 square feet of comfortable living space with thoughtful updates throughout. Step inside to discover soaring high ceilings that create an open and airy feel, along with beautiful new flooring that flows throughout the home. Enjoy year-round relaxation in the enclosed patio featuring clear vinyl windows, perfect for enjoying Florida's sunshine while staying protected from the elements. The updated windows provide energy efficiency and abundant natural light, while the new home and patio roofs give peace of mind. Outside, the fully fenced backyard offers privacy and plenty of space for pets, play, or outdoor entertaining. St Cloud is a growing city with a quaint hometown feel; just east of Walt Disney World Resort area and south of Lake Nona, home to Medical City, with Nemours, University of Florida and VA Hospitals and the United States Tennis Association Complex. It is just minutes to the Orlando International Airport as well as a straight shot to the Atlantic Ocean East Coast of Florida. Don't miss the opportunity to make this move-in-ready home your own!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,062
Sqft
0.18 ac
Lot size
2
Garage
1994
Year built
One
Levels
$301
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.
$2,276 /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
$2,276/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
+7.4%
$/sqft vs St Cloud actives
$301 vs $219
Days on market
1 vs 43 typical
Where $301/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
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Cloud market
$412K → $400K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
214 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 17% above the ST CLOUD 34769 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 2918 CANOE CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$320,000
2940 CANOE CIRCLE · same community
3 bd · 2 ba · 1,180 sqft · $271/sqft · 57 DOM
Sold · Feb ’26$292,484
2909 CANOE CIRCLE · same community
3 bd · 2 ba · 1,208 sqft · $242/sqft · 49 DOM
Sold · Jul ’26$283,000
3319 KELSEY LANE
3 bd · 2 ba · 1,205 sqft · $235/sqft · 23 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
Shawn Headley
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 2918 CANOE CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2918 CANOE CIRCLE — 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
2918 CANOE CIRCLE FAQs
What would the monthly payment be for 2918 CANOE CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,276/mo — principal and interest, the actual property-tax bill, the $33/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 2918 CANOE CIRCLE?+
The association fee works out to $33 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2918 CANOE CIRCLE?+
The most recent tax bill on record (2025) was $704. 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 2918 CANOE 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 $319,900, this home is listed about 25% below the St Cloud median of $429,245. The market section on this page shows how the area is trending.
Which schools are assigned to 2918 CANOE CIRCLE?+
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.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Dawn Grigsby. MLS #O6427444.
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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