3960 GUERNSEY BEND, ST CLOUD, FL, 34772
Active164 days on marketListed Feb 11, 2026MLS #S5142708
About this home
3960 GUERNSEY BEND
Come to a property where design, comfort, and future value come together in one of Central Florida’s strongest growth markets. This beautifully maintained residence features 4 spacious bedrooms, ideal for families, multigenerational living, or creating the perfect home office environment for today’s professional lifestyle. The heart of the home is a modern open-concept kitchen with elegant quartz countertops, abundant cabinetry, and seamless flow into the living and dining areas — perfect for entertaining, hosting, and everyday enjoyment. Wake up and unwind with a peaceful water view, providing privacy, natural light, and that premium touch buyers are searching for. Additional highlights buyers will love: Open layout with excellent natural light, Generous primary suite functional spaces for gatherings, Move-in ready condition, Located in a high-demand residential corridor Positioned in St. Cloud, you benefit from proximity to Lake Nona, Orlando’s employment expansion, medical and technology growth, while enjoying a quieter residential environment. This is where families upgrade their quality of life and investors secure tomorrow’s appreciation. Smart buyers follow growth. Great buyers arrive early. Schedule your private tour today.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,950
Sqft
0.17 ac
Lot size
2
Garage
2021
Year built
One
Levels
$205
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.
$3,325 /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
$3,325/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
+4.1%
$/sqft vs St Cloud actives
$205 vs $219
Days on market
164 vs 33 typical
Where $205/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 34772 — neighborhood snapshot
Population
33,542
Median age
39.9
Median income
$86,900
Median home value
$352,400
Avg household
3.05
Households w/ children
4,027
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)
197 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 8% above the ST CLOUD 34772 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 3960 GUERNSEY BEND
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$440,000
124 PINEYWOODS STREET · same community
4 bd · 2.5 ba · 2,584 sqft · $170/sqft · 13 DOM
Sold · May ’26$379,000
148 PINEYWOODS STREET
4 bd · 2 ba · 1,950 sqft · $194/sqft · 82 DOM
Sold · Nov ’25$370,000
5230 PRESERVE BOULEVARD
4 bd · 2 ba · 1,950 sqft · $190/sqft · 9 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
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 3960 GUERNSEY BEND — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3960 GUERNSEY BEND — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3960 GUERNSEY BEND FAQs
What would the monthly payment be for 3960 GUERNSEY BEND?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,325/mo — principal and interest, the actual property-tax bill, the $98/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 3960 GUERNSEY BEND?+
The association fee works out to $98 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3960 GUERNSEY BEND?+
The most recent tax bill on record (2026) was $6,500. 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 3960 GUERNSEY BEND?+
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 $399,000, this home is listed about 6% 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 3960 GUERNSEY BEND?+
Hickory Tree Elementary School (elementary), St. Cloud Middle School (middle), Harmony High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
02Time on market is leverage
164 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $415,000, now $399,000 — a $16K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of AROD PARTNERS REALTY · Alejandro Rodriguez. MLS #S5142708.
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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