1808 CAYMAN COVE CIR, ST CLOUD, FL, 34772
Active3 days on marketListed Sep 17, 2026MLS #S5157863
About this home
1808 CAYMAN COVE CIR
Welcome to this beautifully maintained 2020-built home in one of St. Cloud's quietest, most convenient neighborhoods — where energy savings, open living, and a private backyard come together in one turnkey package. - Fully Paid-Off Solar = Real Savings From Day One The standout feature: the solar panel system is fully paid off at closing — no lease, no loan balance, no transfer headaches. You inherit full electric efficiency and dramatically lower monthly utility costs from your very first bill. In a market where rising power bills are a real concern, this home offers immediate, permanent savings. - Low HOA, No CDD Enjoy the benefits of a well-kept community without the financial drag. No CDD fees, and a low HOA — keeping your monthly carrying costs refreshingly low compared to many newer Florida neighborhoods. - Interior Highlights Open floor plan designed for easy everyday living and effortless entertaining Kitchen with stainless steel appliances and granite countertops Bright, functional layout that lives larger than its square footage Built in 2020 — modern construction, modern efficiency, no dated systems to worry about Outdoor Living The fully fenced backyard offers privacy, security, and a safe space for kids, pets, and weekend gatherings — a rare find that adds genuine lifestyle value. -Location, Location, Location Centrally located and close to everything — shopping, dining, schools, major roadways, and the everyday conveniences that make life easy. Yet the neighborhood itself is quiet and peaceful, giving you the best of both worlds: quick access to it all, and a calm retreat when you come home. -The Bottom Line A 2020-built home with paid-off solar, low carrying costs, no CDD, a fully fenced yard, and a location that puts you near everything — this is the combination buyers are searching for.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,341
Sqft
0.13 ac
Lot size
2
Garage
2020
Year built
One
Levels
$253
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.
$2,809 /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
$2,809/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
−1.4%
$/sqft vs St Cloud actives
$253 vs $217
Days on market
3 vs 47 typical
Where $253/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
$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 15% 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 1808 CAYMAN COVE CIR
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$335,000
1892 CAYMAN COVE CIRCLE · same community
3 bd · 2 ba · 1,341 sqft · $250/sqft · 5 DOM
Sold · Sep ’26$345,000
1769 CAYMAN COVE CIRCLE · same community
3 bd · 2 ba · 1,341 sqft · $257/sqft · 158 DOM
Sold · Jun ’26$333,000
1917 CAYMAN COVE CIRCLE · same community
3 bd · 2 ba · 1,341 sqft · $248/sqft · 52 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 1808 CAYMAN COVE CIR — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1808 CAYMAN COVE CIR — 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
1808 CAYMAN COVE CIR FAQs
What would the monthly payment be for 1808 CAYMAN COVE CIR?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,809/mo — principal and interest, the actual property-tax bill, the $75/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 1808 CAYMAN COVE CIR?+
The association fee works out to $75 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1808 CAYMAN COVE CIR?+
The most recent tax bill on record (2025) was $5,073. 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 1808 CAYMAN COVE CIR?+
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 $339,900, this home is listed about 21% below the St Cloud median of $429,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1808 CAYMAN COVE CIR?+
Neptune Elementary School (elementary), St. Cloud High School (high), Neptune Middle School (middle) — Osceola County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of MELENTREE REALTY LLC · Gabe Porfilio. MLS #S5157863.
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.
Never miss a listing
New St Cloud homes, in your inbox
Like 1808 CAYMAN COVE CIR but not quite? A daily digest of every new listing in St Cloud — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Tyler to ping you on any price or status change →