
3231 VILLA WAY CIRCLE, ST CLOUD, FL, 34769
Active2 days on marketListed Oct 8, 2026MLS #S5159056
About this home
3231 VILLA WAY CIRCLE
This 3-bedroom, 2-bathroom end-unit villa offers a comfortable single-story layout with updated finishes, spacious living areas, and a screened rear patio. Located in Canoe Creek Villas, the home combines low-maintenance living with the added benefit of a community pool. Inside, luxury vinyl plank flooring runs throughout the main living spaces and bedrooms, creating a cohesive look from room to room. The kitchen has been refreshed with white cabinetry, modern hardware, a decorative tile backsplash, stainless steel appliances, and generous counter space. A bright bay-window area brings additional natural light into the kitchen and provides space for casual dining, while a dedicated laundry closet adds everyday convenience. The living and dining areas flow together beneath vaulted ceilings, creating an open gathering space with plenty of flexibility for entertaining and everyday living. Sliding glass doors extend the living area to the screened patio, offering a shaded outdoor space overlooking the surrounding green space and mature trees. The primary suite is positioned toward the rear of the home and includes a private bathroom and dedicated closet. Two additional bedrooms and a second full bathroom provide flexibility for guests, family, a home office, or hobby space. Multiple closets throughout the home offer additional storage. As an end unit, the home benefits from its position at the end of the building and additional outdoor space alongside the property. The community pool and covered gathering area provide another place to relax and enjoy the Florida weather. With three bedrooms, updated flooring and kitchen finishes, vaulted ceilings, screened outdoor living, and a community pool, this Saint Cloud villa offers a practical and inviting place to call home.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,154
Sqft
0.04 ac
Lot size
1994
Year built
One
Levels
$217
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.
$1,992 /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
$1,992/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
+9.3%
$/sqft vs St Cloud actives
$217 vs $211
Days on market
2 vs 65 typical
Where $217/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 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
$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.
Paper trail
This home's history
Reality check
What actually sold near 3231 VILLA WAY CIRCLE
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$245,000
3267 VILLA WAY CIRCLE · same community
2 bd · 2 ba · 1,041 sqft · $235/sqft · 143 DOM
Sold · Feb ’26$240,000
3280 VILLA WAY CIRCLE · same community
2 bd · 2 ba · 1,041 sqft · $231/sqft · 172 DOM
Sold · Oct ’25$320,000
2940 CANOE CIRCLE
3 bd · 2 ba · 1,180 sqft · $271/sqft · 57 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
Elizabeth Elliott
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3231 VILLA WAY CIRCLE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3231 VILLA WAY CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Elizabeth's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3231 VILLA WAY CIRCLE FAQs
What would the monthly payment be for 3231 VILLA WAY CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,992/mo — principal and interest, the actual property-tax bill, the $209/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 3231 VILLA WAY CIRCLE?+
The association fee works out to $209 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3231 VILLA WAY CIRCLE?+
The most recent tax bill on record (2025) was $485. 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 3231 VILLA WAY 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 $250,000, this home is listed about 42% 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 3231 VILLA WAY 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.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Steve Pugh. MLS #S5159056.
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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