2531 KING OAK CIRCLE, ST CLOUD, FL, 34769
Active30 days on marketListed Jun 24, 2026MLS #S5152233
About this home
2531 KING OAK CIRCLE
AVAILABLE AUGUST 5, 2026. Beautiful 2-bedroom, 2-bathroom villa located in the desirable city of St. Cloud. This well-maintained home features fresh interior paint, updated tile flooring throughout, and an enclosed porch that provides additional living space and privacy. The community offers two swimming pools. Ideally situated near shopping centers, supermarkets, restaurants, schools, and major roadways.The security deposit may vary from 1.5 to 2 months' rent. NOTE: All PROPERTY MANAGER residents are enrolled in the Resident Benefits Package (RBP) for $60.00/month, which includes renters insurance, pest control treatment, HVAC air filter delivery (for applicable properties), credit building to help boost your credit score with timely rent payments, $1M Identity Protection, move-in concierge service making utility connection and home service setup a breeze during your move-in, our best-in-class resident rewards program, and much more!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
962
Sqft
0.04 ac
Lot size
1992
Year built
One
Levels
$2
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.
$172 /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
$172/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
$2 vs $221
Days on market
30 vs 33 typical
Where $2/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 34769 — neighborhood snapshot
Population
29,247
Median age
36
Median income
$58,764
Median home value
$271,800
Avg household
2.93
Households w/ children
3,039
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 34769 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 2531 KING OAK CIRCLE
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$350,000
4240 SETTLERS COURT
3 bd · 2 ba · 1,435 sqft · $244/sqft · 0 DOM
Sold · Dec ’25$370,000
4274 SASHA TRAIL
3 bd · 2 ba · 1,499 sqft · $247/sqft · 17 DOM
Sold · Dec ’25$309,000
3586 YELLOW BIRD COURT
3 bd · 2 ba · 1,530 sqft · $202/sqft · 76 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
Shawn Headley
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 2531 KING OAK CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2531 KING OAK CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2531 KING OAK CIRCLE FAQs
What would the monthly payment be for 2531 KING OAK CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $172/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 2531 KING OAK CIRCLE?+
The listing reports pets: Cats OK, Dogs OK, 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 $1,700, this home is listed about 100% 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 2531 KING OAK CIRCLE?+
Lakeview Elementary School (elementary), St. Cloud High School (high), St. Cloud Middle School (middle) — Osceola County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the ST CLOUD 34769 market on paper
$1,700 is 99% below the ST CLOUD 34769 median of $265,000, and at $2/sqft it sits under the St Cloud average of $236.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
03The price has already moved
Listed at $1,800, now $1,700 — a $100 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA LAKES REALTY · Tatiana Diaz. MLS #S5152233.
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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