3636 BRISTOL COVE LANE, ST CLOUD, FL, 34772
Active26 days on marketListed Aug 25, 2026MLS #S5156142
About this home
3636 BRISTOL COVE LANE
Beautifully Upgraded Pond-Front Corner-Lot Home in St. Cloud! This spacious home sits on a ¼-acre corner lot with peaceful pond views, abundant wildlife, and a serene backdrop where deer and birds including egrets, herons, cranes and even bald eagles are frequent visitors. The oversized lot offers plenty of room for a pool and expansive outdoor living area. Inside, enjoy granite countertops throughout the kitchen, a large island, custom bathroom countertops, electronic front-door locking system, upgraded wrought-iron stair railings, and a huge primary suite with an extra-large walk-in closet. Dual A/C systems provide individual thermostat control; the upstairs system was replaced in 2024 and both systems were serviced/reconditioned in August 2025. Additional features include a whole-house alarm, gutters, deep laundry sink, water-softener-ready plumbing, reverse-osmosis-ready drinking water system, and insulated underlayment beneath the tile for enhanced cooling comfort. The roof was replaced in October 2018 and other recent improvements include a new garbage disposal (June 2026), new garage door rollers and spring conditioning (2026), plus professionally trimmed oak and palm trees and fresh mulch. Exterior of the home was completely repainted in 2025 and for your convenience the carpet and tile and grout throughout will be professionally deep steam cleaned, sanitized and deodorized, with carpets scotchguarded, grout sealed, exterior and driveway pressure washed, and the HVAC system and home treated as part of a thorough preventive maintenance process prior to possession. Enjoy tranquil pond-front living while remaining conveniently close to St. Cloud's shopping, dining, parks, schools, outdoor recreation and community amenities, with easy access to major roadways and Central Florida's world-famous family attractions.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,585
Sqft
0.24 ac
Lot size
2
Garage
2007
Year built
Two
Levels
$190
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.
$3,480 /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
$3,480/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
+17.1%
$/sqft vs St Cloud actives
$190 vs $217
Days on market
26 vs 47 typical
Where $190/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 Deer Creek
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Cloud. See the full St Cloud guide →
Deer Creek — neighborhood snapshot
Population
2,581
Median age
40
Median income
$95,082
Median home value
$355,000
Avg household
4
Households w/ children
308
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
$412K → $394K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
243 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 23% 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 3636 BRISTOL COVE LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$465,000
3617 HOLDEN DRIVE · same community
4 bd · 3 ba · 2,386 sqft · $195/sqft · 40 DOM
Sold · Oct ’25$349,000
2481 DEER CREEK BOULEVARD · same community
3 bd · 2 ba · 1,848 sqft · $189/sqft · 84 DOM
Sold · Jun ’26$490,000
3980 BAJA DRIVE
4 bd · 3 ba · 2,591 sqft · $189/sqft · 56 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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 3636 BRISTOL COVE LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3636 BRISTOL COVE LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3636 BRISTOL COVE LANE FAQs
What would the monthly payment be for 3636 BRISTOL COVE LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,480/mo — principal and interest, the actual property-tax bill, the $47/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 3636 BRISTOL COVE LANE?+
The association fee works out to $47 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3636 BRISTOL COVE LANE?+
The most recent tax bill on record (2025) was $2,063. 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 3636 BRISTOL COVE LANE?+
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 $490,000, this home is listed about 14% above the St Cloud median of $429,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3636 BRISTOL COVE LANE?+
St. Cloud Middle School (middle), Hickory Tree Elementary School (elementary), 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 NABE REALTY · Joaquin Zangronis. MLS #S5156142.
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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