5396 HICKORY DOWNS WAY, ST CLOUD, FL, 34771
Active319 days on marketListed Sep 8, 2025MLS #S5134311
About this home
5396 HICKORY DOWNS WAY
Don’t miss the opportunity to own a home that truly combines value, style, and the perfect location in St. Cloud! This beautiful 3-bedroom, 2-bathroom property is not just a house—it’s the lifestyle upgrade you’ve been waiting for. From the moment you walk in, you’ll fall in love with the spacious open-concept floor plan, where the kitchen flows seamlessly into the dining and living areas, creating the ideal setting for family gatherings, entertaining friends, or simply enjoying everyday moments. The kitchen and bathrooms are finished with elegant granite countertops, while the main living areas feature stylish ceramic tile for both beauty and easy maintenance. Stainless steel appliances—including microwave, range, and dishwasher—make cooking a joy and add a touch of modern sophistication. This home is also fully equipped as a Smart Home, with a Z-Wave porch light switch, smart door lock, thermostat, video doorbell, touchscreen control hub, and even an Amazon Dot included—giving you the convenience and peace of mind you deserve. The community adds even more value with a sparkling swimming pool and recreational areas where you can relax, connect, and enjoy the outdoors. And then there’s the unbeatable location: situated off the Narcoossee corridor with quick access to US-192, Florida’s Turnpike, and SR-417, you’re only minutes away from Lake Nona and Medical City, Orlando International Airport, Publix, Walmart, Aldi, restaurants, cafés, shopping centers, banks, pharmacies, and schools. Plus, Orlando’s world-famous theme parks, entertainment venues, and even the beaches are just a short drive away. This home truly delivers everything you want: modern design, smart technology, community amenities, and a prime location. Opportunities like this don’t come often—make it yours before someone else does.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,672
Sqft
0.14 ac
Lot size
2
Garage
2021
Year built
One
Levels
$232
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.
$3,088 /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
$3,088/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
+5.5%
$/sqft vs St Cloud actives
$232 vs $220
Days on market
319 vs 33 typical
Where $232/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
$414K → $400K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
196 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 9% 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 5396 HICKORY DOWNS WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$385,000
5381 HICKORY DOWNS WAY · same community
4 bd · 2 ba · 1,830 sqft · $210/sqft · 124 DOM
Sold · Nov ’25$344,000
5349 SPOONFLOWER COURT
2 bd · 2.5 ba · 1,564 sqft · $220/sqft · 75 DOM
Sold · Jan ’26$350,000
5355 SPOONFLOWER COURT
2 bd · 2.5 ba · 1,564 sqft · $224/sqft · 107 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
Lyra Rae
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 5396 HICKORY DOWNS WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5396 HICKORY DOWNS WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from Lyra's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5396 HICKORY DOWNS WAY FAQs
What would the monthly payment be for 5396 HICKORY DOWNS WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,088/mo — principal and interest, the actual property-tax bill, the $93/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 5396 HICKORY DOWNS WAY?+
The association fee works out to $93 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5396 HICKORY DOWNS WAY?+
The most recent tax bill on record (2024) was $4,548. 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 5396 HICKORY DOWNS WAY?+
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 $388,000, this home is listed about 9% 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 5396 HICKORY DOWNS WAY?+
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 ODRY VARGAS REALTY GROUP · Gonzalo Lopez. MLS #S5134311.
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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