5232 HAMMOCK CIRCLE, ST CLOUD, FL, 34771
Active17 days on marketListed Sep 23, 2026MLS #S5158158
About this home
5232 HAMMOCK CIRCLE
POOL HOME, with new ROOF 2021 and new WINDOWS 2020. Immaculate and meticulous home! Upon entering the home you will find a completely open floor plan, formal living room with fireplace, and dining room. Upgrades include all ceramic tile floors throughout except 4 bedrooms that have wood floors and tile in the bathrooms, solid wood kitchen cabinets, stainless steel appliances. Your island bar with optional seating with an open floor plan which allows an open view of the living room, dining room, kitchen, and pool. The open space is ideal for a big family. The kitchen, which is located adjacent to the dining room and living room, allows for free interaction with the family as you cook dinner or even enjoy looking past the dining room to the covered rear patio. The amount of natural light pouring from all sides of the house is amazing, perfect for those who prefer a natural atmosphere. In the rest of the house, you will find the owner's suite and three additional bedrooms. The owner’s suite, located towards one side of the house, master has plenty of space with a shower, garden tub, dual vanity sink, solid wood cabinets, large walk-in closet. Next, you will find the Welcome to this stunning 4-bedroom, 3 bath Home located in the charming city of St. Cloud! This fabulous home boasts a luxurious pool, perfect for relaxing and entertaining guests on those hot summer days. Step inside to find a lovely kitchen featuring solid wood kitchen cabinets, newly remodeled countertops and top-of-the-line stainless steel appliances - a chef's dream! The open concept layout is ideal for hosting dinner parties or simply enjoying family time. The spacious bedrooms offer plenty of room for everyone to have their own oasis, while the bathrooms are beautifully appointed with modern fixtures and finishes. But the perks don't stop there! This property is conveniently located near lots of shopping and restaurants, making it easy to explore the local scene. And with schools nearby, this is the perfect place for families to call home. Don't miss out on this incredible opportunity to live in luxury in the heart of St. Cloud - Furniture included or can be remove. Call today for showing.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,317
Sqft
0.25 ac
Lot size
2
Garage
1995
Year built
One
Levels
$259
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.
$4,282 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,282/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
−2.6%
$/sqft vs St Cloud actives
$259 vs $211
Days on market
17 vs 65 typical
Where $259/sqft sits among the 399 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 34771 — neighborhood snapshot
Population
31,368
Median age
38.6
Median income
$101,434
Median home value
$427,500
Avg household
3.21
Households w/ children
4,183
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 → $399K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
225 of 399
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 45% above the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 5232 HAMMOCK CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’26$499,000
12549 HAMMOCK POINTE CIRCLE · same community
4 bd · 2 ba · 2,383 sqft · $209/sqft · 60 DOM
Sold · Apr ’26$475,000
11616 THACKER DRIVE · same community
4 bd · 2.5 ba · 2,498 sqft · $190/sqft · 141 DOM
Sold · Jun ’26$530,000
5229 HAMMOCK CIRCLE · same community
3 bd · 2.5 ba · 2,027 sqft · $261/sqft · 113 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
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 5232 HAMMOCK CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5232 HAMMOCK CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5232 HAMMOCK CIRCLE FAQs
What would the monthly payment be for 5232 HAMMOCK CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,282/mo — principal and interest, the actual property-tax bill, the $22/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 5232 HAMMOCK CIRCLE?+
The association fee works out to $22 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5232 HAMMOCK CIRCLE?+
The most recent tax bill on record (2025) was $7,660. 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 5232 HAMMOCK CIRCLE?+
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 $599,900, this home is listed about 40% 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 5232 HAMMOCK CIRCLE?+
Narcoossee Elementary School (elementary), Narcoossee Middle School (middle), Harmony High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$599,900 runs 45% above the ST CLOUD 34771 median — but at 2,317 sqft it's also 15% larger than the typical St Cloud listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03The price has already moved
Listed at $609,900, now $599,900 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of WEICHERT REALTORS HALLMARK PRO · Sherry Feck. MLS #S5158158.
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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