3996 SOUTHERN VISTA LOOP, ST CLOUD, FL, 34772
Active80 days on marketListed May 5, 2026MLS #S5149231
About this home
3996 SOUTHERN VISTA LOOP
Situated in a quiet and rapidly growing area of ??St. Cloud, this beautiful property at 3996 Southern Vista Loop offers the perfect balance of comfort, space, and location. The home features four spacious bedrooms and two full bathrooms—ideal for families or anyone seeking extra space for a home office or entertainment areas. The neighborhood is characterized by its family-friendly atmosphere, safe streets, and proximity to schools, parks, and shopping centers. Furthermore, it is located just minutes from major thoroughfares that provide easy access to Orlando and its key attractions, including Walt Disney World and Lake Nona—an area renowned for its modern development, dining options, and world-class medical facilities. Enjoy suburban tranquility without being far from everything you need: supermarkets, shops, restaurants, and recreational activities are just minutes away. An excellent opportunity to live in a pleasant, well-located community where everything is within easy reach.
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
2,338
Sqft
0.13 ac
Lot size
2
Garage
2023
Year built
Two
Levels
$1
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$184 /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
$184/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.
$/sqft vs St Cloud actives
$1 vs $221
Days on market
80 vs 33 typical
Where $1/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)
194 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 99% below the ST CLOUD 34772 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 3996 SOUTHERN VISTA LOOP
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$412,250
585 PINK IBIS BEND · same community
4 bd · 3 ba · 2,091 sqft · $197/sqft · 98 DOM
Sold · Jun ’26$490,000
4226 SOUTHERN VISTA LOOP · same community
6 bd · 3 ba · 2,667 sqft · $184/sqft · 158 DOM
Sold · Oct ’25$395,000
319 PINE TREE BRIDGE TRAIL · same community
3 bd · 2.5 ba · 1,864 sqft · $212/sqft · 7 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
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3996 SOUTHERN VISTA LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3996 SOUTHERN VISTA LOOP — before you fall in love.
See it in person
Schedule a tour
Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3996 SOUTHERN VISTA LOOP FAQs
What would the monthly payment be for 3996 SOUTHERN VISTA LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $184/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 3996 SOUTHERN VISTA LOOP?+
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 $3,250, this home is listed about 99% 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 3996 SOUTHERN VISTA LOOP?+
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.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Ronald Fuenmayor. MLS #S5149231.
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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