3800 CHAPLAIN RD, ST CLOUD, FL, 34772
Active23 days on marketListed Oct 15, 2026MLS #S5159487
About this home
3800 CHAPLAIN RD
Space, Privacy & Possibility in St. Cloud, Florida! Discover the appeal of peaceful, private living on this 3-bedroom, 2-bath home situated on a full acre in St. Cloud, Florida! Offering approximately 1,500 square feet of living space, this well-maintained property features a desirable corner lot, a private setting, and the freedom of NO HOA. Tucked away on a dead-end road, this property offers a welcome sense of privacy and room to enjoy the possibilities that come with owning an acre of land. With well and septic already in place, you can embrace a more relaxed lifestyle with space to make your own. Conveniently located less than an hour from Florida's beaches and Orlando International Airport (MCO), this property offers an appealing balance of peaceful surroundings and access to travel and coastal destinations. Whether you're looking for a place to call home or simply seeking more space and freedom, this inviting property is ready for its next chapter. Come discover the space, privacy, and possibilities waiting for you in St. Cloud!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,500
Sqft
1.09 ac
Lot size
1985
Year built
One
Levels
$303
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 — not generic estimates.
$3,588 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$3,588/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
+17.3%
$/sqft vs S L & I C
$303 vs $371
Days on market
23 vs 53 typical
Where $303/sqft sits among the 31 homes for sale in S L & I C
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
35,390
Median age
40.3
Median income
$97,868
Median home value
$390,900
Avg household
2.99
Households w/ children
4,375
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
$411K → $385K
St Cloud median sold, yr/yr
98.6%
Sale-to-list ratio (12 mo)
13 of 31
S L & I C have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 18% 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 3800 CHAPLAIN RD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$565,000
3980 DOE DRIVE · same community
3 bd · 2 ba · 1,456 sqft · $388/sqft · 43 DOM
Sold · Aug ’26$430,000
4350 FANNY BASS ROAD · same community
4 bd · 2 ba · 1,560 sqft · $276/sqft · 78 DOM
Sold · Jan ’26$275,000
3961 RAMBLER AVENUE · same community
3 bd · 2 ba · 1,782 sqft · $154/sqft · 12 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
Leila Sabat
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3800 CHAPLAIN RD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3800 CHAPLAIN RD — before you fall in love.
See it in person
Schedule a tour
Live availability from Leila's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3800 CHAPLAIN RD FAQs
What would the monthly payment be for 3800 CHAPLAIN RD?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $3,588/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 3800 CHAPLAIN RD?+
The most recent tax bill on record (2025) was $1,230. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in St Cloud?+
At $455,000, this home is listed about 8% above the St Cloud median of $422,990. The market section on this page shows how the area is trending.
Which schools are assigned to 3800 CHAPLAIN RD?+
Hickory Tree Elementary School (elementary), St. Cloud 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 TIE TEAM REALTY LLC · Chris Woeste. MLS #S5159487.
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 3800 CHAPLAIN RD 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 Leila to ping you on any price or status change →