CENTURY 21 Edge
$510,0003 bd2 ba2,093 sqft$244 /sqft≈$3,738 /mo all-in ↓

5243 HAMMOCK POINTE COURT, ST CLOUD, FL, 34771

Active16 days on marketListed Sep 24, 2026MLS #O6443702

Private poolSingle Family ResidenceHAMMOCK POINTE UNIT 2

About this home

5243 HAMMOCK POINTE COURT

Some homes you can tell were loved. This is one of them. One owner, from the day it was built until now. It shows the moment you pull up, and it keeps showing in every room. The front sets the tone. Stone accents across the elevation, a curved walk to a covered entry, and beds that have been planted, edged and maintained rather than filled in once and forgotten. Palms, sculpted hedges, and color that holds through the year. Out back, the screened pool is waiting. Ready for a Saturday afternoon or a quiet swim at the end of a long day. The landscaping continues around the enclosure, not just out front. A storage shed conveys with the property, so the garage gets to stay a garage. Inside, vaulted ceilings lift the main living space and carry the light further into the home. The primary bedroom has a tray ceiling that gives it a character all its own, along with a generous walk-in closet that actually holds a full wardrobe without a fight. Built-in cabinetry adds display and storage where most homes give you a blank wall, and custom shelving above the closets puts that space to work instead of wasting it. A separate room adapts easily to a home office, study, or hobby space, so working from home does not mean giving up a bedroom to do it. The big items are already handled. New roof with warranty. New gutters in January 2024. A new irrigation pump installed this year, so the landscaping stays exactly the way you see it without anyone dragging a hose around. Pest control runs through tubing built into the walls, treated from exterior ports instead of someone walking the baseboards inside the house. The things buyers ask about first, done and documented. Then there is the neighborhood, which is honestly a big reason residents fall in love with this community. Hammock Pointe is one of the established pockets along Narcoossee, the kind of place that grew in slowly and has the oaks to prove it. Lots are generous and well spaced, so you get real yard and real distance between homes, something that has all but disappeared from new construction in this part of Osceola County. The streets curve. The elevations vary. Nothing about it feels stamped out. Water and sewer come from the community's own well system and are covered through the association assessment. Buyer to verify with the association. Lake Nona and Medical City are a short drive up Narcoossee, with the 417 and Orlando International close behind. Shopping, dining, and services have expanded all around the corridor. Come walk through it. A one-owner home on a lot like this, in a neighborhood like this, does not come along often.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

2,093

Sqft

0.38 ac

Lot size

2

Garage

2003

Year built

One

Levels

$244

Per sqft

Private pool

Inside

FlooringCarpet · Ceramic Tile · Laminate
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer · Water Softener
InteriorBuilt-in Features · Cathedral Ceiling(s) · Ceiling Fan(s) · Eating Space In Kitchen · High Ceilings · In Wall Pest System · Primary Bedroom Main Floor · Thermostat · Tray Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryInside
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock
FoundationSlab
FacesSouth
ParkingDriveway · Garage Door Opener · Garage Faces Side
ExteriorFrench Doors · Irrigation System · Rain Gutters · Sidewalk

Community & fees

HOA fee$44/mo
Taxes (2025)$3,671/yr
PetsCats OK, Dogs OK
CommunityDeed Restrictions · Sidewalks

Utilities & systems

UtilitiesFiber Optics · Street Lights
WaterSee Remarks · Well

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.

$3,738 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$3,002
FHA mortgage insurance (est.)$226
Property tax — 2025 actual bill$306
HOA fee — from the listing$44
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $17,850Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $17,850
Interest rate6.00%
Loan term

Estimated payment

$3,738/mo

Principal & interest$3,002
FHA mortgage insurance (est.)$226
Property taxes (actual bill)$306
HOA / condo fee$44
Est. insurance$160

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.

List $510K
$474KedgeAI estimate $539,677 · range $494K–$575K$598K

vs edgeAI estimate

−5.5%

$/sqft vs St Cloud actives

$244 vs $211

Days on market

16 vs 65 typical

Where $244/sqft sits among the 400 St Cloud actives

106
130
87 · this home
33
19
25
$153–187$187–221$221–256$256–290$290–324$324+

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

Orlando Int’l Airport (MCO)≈ 25 min
Downtown Orlando≈ 30 min
Walt Disney World≈ 36 min
Universal Orlando≈ 37 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

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

ElementaryNarcoossee Elementary School★★★★★
MiddleNarcoossee Middle School★★★★★
HighHarmony High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The St Cloud market

Seller’s marketLeans seller — 4.6 months of inventoryBuyer’s 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 23% above the ST CLOUD 34771 median. See the full St Cloud market guide →

Paper trail

This home's history

Sep 24, 2026Listed at $510,000 · 16 days on market since
2003Built · HAMMOCK POINTE UNIT 2

Reality check

What actually sold near 5243 HAMMOCK POINTE COURT

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

5203 HAMMOCK POINTE COURTSold · Jun ’26

$540,000

5203 HAMMOCK POINTE COURT · same community

3 bd · 2.5 ba · 2,156 sqft · $250/sqft · 2 DOM

5306 CRANE HILL COURTSold · Jul ’26

$556,000

5306 CRANE HILL COURT · same community

4 bd · 3 ba · 2,749 sqft · $202/sqft · 43 DOM

5206 HAMMOCK POINTE COURTSold · Jun ’26

$710,000

5206 HAMMOCK POINTE COURT · same community

5 bd · 3.5 ba · 3,152 sqft · $225/sqft · 0 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.

Gianfranco Di Flumeri

Your agent

Gianfranco Di Flumeri

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 5243 HAMMOCK POINTE COURT — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 5243 HAMMOCK POINTE COURT — before you fall in love.

See it in person

Schedule a tour

Live availability from Gianfranco's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

5243 HAMMOCK POINTE COURT FAQs

What would the monthly payment be for 5243 HAMMOCK POINTE COURT?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,738/mo — principal and interest, the actual property-tax bill, the $44/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 5243 HAMMOCK POINTE COURT?+

The association fee works out to $44 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 5243 HAMMOCK POINTE COURT?+

The most recent tax bill on record (2025) was $3,671. 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 5243 HAMMOCK POINTE COURT?+

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 $510,000, this home is listed about 19% 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 5243 HAMMOCK POINTE COURT?+

Narcoossee 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.

Listing courtesy of PREMIUM PROPERTIES R.E SERVICE · Candice Haeske. MLS #O6443702.

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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