2809 SHELBURNE WAY, ST CLOUD, FL, 34772
Active57 days on marketListed Jun 4, 2026MLS #S5151282
About this home
2809 SHELBURNE WAY
Welcome to the beautiful community of Gramercy Farms! This is a spacious 3 bedroom 2 bathroom home with a bonus room that can be used for just about anything. A great split floor plan with an open layout is perfect for the family. Granite counter tops in the kitchen and a large indoor laundry room. A 20x10 screened in lanai in the back overlooks the beautiful back yard with no rear neighbors. The home also sits in a cul de sac which means little to no traffic coming past the house and a great area for the kids to play. The roof was replaced in 2023. The community offers a dog park as well as playground for the kids and sidewalks throughout. This beauty is ready for you to call it home!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,894
Sqft
0.17 ac
Lot size
2
Garage
2015
Year built
One
Levels
$185
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.
$2,801 /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
$2,801/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
−9.5%
$/sqft vs St Cloud actives
$185 vs $218
Days on market
57 vs 33 typical
Where $185/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)
204 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 34772 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 2809 SHELBURNE WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$349,900
4617 HARVEST ROW LANE · same community
3 bd · 2 ba · 1,894 sqft · $185/sqft · 87 DOM
Sold · Jul ’26$350,000
2813 SHELBURNE WAY · same community
3 bd · 2 ba · 1,894 sqft · $185/sqft · 47 DOM
Sold · Aug ’25$485,000
2849 SHELBURNE WAY · same community
4 bd · 3 ba · 2,663 sqft · $182/sqft · 131 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
Tyler Stoddard
REALTOR · CENTURY 21 Edge
Tours, negotiation, and every question about 2809 SHELBURNE WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2809 SHELBURNE WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from Tyler's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2809 SHELBURNE WAY FAQs
What would the monthly payment be for 2809 SHELBURNE WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,801/mo — principal and interest, the actual property-tax bill, the $10/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 2809 SHELBURNE WAY?+
The association fee works out to $10 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2809 SHELBURNE WAY?+
The most recent tax bill on record (2025) was $4,996. 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 2809 SHELBURNE WAY?+
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 $349,900, this home is listed about 18% 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 2809 SHELBURNE WAY?+
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 ALL STAR PROPERTIES OF CENTRAL · Kevin Waldbieser. MLS #S5151282.
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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