2705 PLOVER STREET, ST CLOUD, FL, 34771
Active15 days on marketListed Sep 25, 2026MLS #O6444920
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About this home
2705 PLOVER STREET
This thoughtfully designed two-story home combines modern finishes with versatile spaces for comfortable everyday living. The open-concept main floor features 9-foot ceilings and tile flooring, creating a bright and inviting living area. A downstairs bedroom and full bath offer added flexibility for guests, a home office, or multigenerational living. The kitchen is both stylish and functional, featuring 36-inch upper cabinets, Silestone countertops, and a practical layout ideal for cooking and entertaining. Just off the kitchen, a spacious nook provides the perfect space for dining, relaxing, or gathering. Upstairs, 8-foot ceilings complement the private primary suite, which features a dual-sink vanity, large walk-in shower, and generous walk-in closet. A versatile loft provides additional space that can be customized to suit your needs, whether used as a second living area, media room, home office, or play space. An upstairs laundry room adds everyday convenience, making this home a seamless blend of comfort, functionality, and modern style.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,039
Sqft
0.1 ac
Lot size
2
Garage
2025
Year built
Two
Levels
$192
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.
$2,734 /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
$3,093/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.
vs edgeAI estimate
−10.2%
$/sqft vs St Cloud actives
$192 vs $211
Days on market
15 vs 65 typical
Where $192/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 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
$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 6% 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 2705 PLOVER STREET
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$365,990
2723 PLOVER STREET · same community
3 bd · 2.5 ba · 2,039 sqft · $179/sqft · 34 DOM
Sold · Sep ’26$370,000
2523 PLOVER STREET · same community
4 bd · 2 ba · 1,921 sqft · $193/sqft · 15 DOM
Sold · Aug ’26$390,000
3100 CRISPIN CIRCLE
4 bd · 2 ba · 2,000 sqft · $195/sqft · 156 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 2705 PLOVER STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2705 PLOVER STREET — 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
2705 PLOVER STREET FAQs
What would the monthly payment be for 2705 PLOVER STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,734/mo — principal and interest, estimated property taxes, the $96/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 2705 PLOVER STREET?+
The association fee works out to $96 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2705 PLOVER STREET?+
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 2705 PLOVER STREET?+
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 $391,560, this home is listed about 9% below the St Cloud median of $429,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2705 PLOVER STREET?+
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.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS ADVANTAGE REALTY · Tara Garkowski. MLS #O6444920.
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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