5232 HAMMOCK CIRCLE, ST CLOUD, FL, 34771
Active11 days on marketListed Sep 29, 2026MLS #S5158516
About this home
5232 HAMMOCK CIRCLE
Pool Home Near Lake Nona! This well-maintained 4-bedroom, 3-bath home in St. Cloud features an open floor plan, a fireplace, and a covered patio overlooking the pool. The kitchen offers solid wood cabinets, updated countertops, stainless steel appliances, and an island with seating. The primary suite includes dual vanities, a garden tub, a separate shower, and a walk-in closet. The roof was replaced in 2021 and the windows in 2020. Furniture can be included or removed. Yard maintenance, pool service, and water are included in the rent. Call to schedule a showing!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,317
Sqft
0.24 ac
Lot size
2
Garage
1995
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.
$187 /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
$187/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 $211
Days on market
11 vs 68 typical
Where $2/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)
224 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 99% below 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
Seth Cabrera - Rothschild
REALTOR® · 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 Seth'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 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $187/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 5232 HAMMOCK CIRCLE?+
The listing reports pets: 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 $3,700, this home is listed about 99% below the St Cloud median of $429,900. 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.
Keep looking
Similar homes nearby
Listing courtesy of WEICHERT REALTORS HALLMARK PRO · Michelle Geberth. MLS #S5158516.
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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