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Overview

4 bd2 ba2,178 sqft3 car garageSingle Family
TypeSingle Family
HOA$186/yr
Built2004
Lot14,985 sqft
Living area2,178 sqft
Price / sqft$253
Garage3 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Built-in FeaturesHigh CeilingsOpen FloorplanConvection OvenDishwasherDisposalDryerMicrowave

2808 Deerfield St is a 2004-built home in Hammock Pointe Unit 3, St Cloud. Inside you'll find 4 bedrooms, 2 bathrooms, and 2,178 square feet of living space. Listed at $549,990 (about $253/sqft), 372 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $186 semi-annually.

From the listing

POOL HOME + OWNED SOLAR + 3-CAR GARAGE + OVERSIZED LOT — all at $549,900! Welcome to 2808 Deerfield Street, offering 2,178 sq. ft. of single-story living on a spacious .34-acre lot in Hammock Pointe. The home features an open, light-filled layout with high ceilings and pocket sliding doors that disappear into the wall, creating a seamless connection between the living area and screened pool. It’s a setup made for Florida living, entertaining, and enjoying the backyard year-round. Major updates have already been handled, including a 2021 roof, 2019 HVAC, energy-efficient windows, updated flooring and newer appliances. Even better, the home includes a fully owned solar system—no solar lease or payment to assume. Outside, there’s plenty of room to spread out, plus a 3-car garage, dedicated RV parking with charging hookup, irrigation system and low HOA. The flexible fourth bedroom is enclosed with doors and currently does not have a built-in closet, making it equally useful as a bedroom, office, playroom or bonus space. If you’ve been searching for a pool home with land, owned solar, garage space and features that are increasingly hard to find in newer communities, this one deserves a look. Schedule your showing and see the value for yourself.

The essentials

Built
2004
Price / sqft
$253
On market
372 days
Annual tax
$7,811
HOA
$186/yr
Flood zone
X · Low risk
Lot
14,985 sqft
Type
Single Family Residence

At a glance

Single family
Built 2004
Private pool
In Ground
3 car garage
0.34 acres
Lot size
2,178 sqft
Living area

Payment

Est. monthly payment
$3,809/mo
Down payment (20%)
$109,998
Property taxes
$651/mo
HOA
$186/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2004
Lot
14,985 sqft
Cooling
Central Air
Heating
Electric
Parking
-
Pool
In Ground
Days on Market
372
Built-in Features
High Ceilings
Open Floorplan
Convection Oven
Dishwasher
Disposal
Dryer
Microwave
Refrigerator
Washer
Homestead exemption on file In a CDD (Community Development District) Flood Zone X
Annual Tax (2024)
$7,811
Parcel #
05-25-31-3327-0001-0700

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Hammock Pointe Unit 3
County
Osceola
MLS Area
34771 - St Cloud (Magnolia Square)
Lot Size
14,985 sqft
HOA
$186/yr
Empire Management Group

Price history

Date
Event
Price
9/13/2026
Price change
Source: Stellar MLS #S5136361
$549,990-6.5%
$253/sqft
-
Price change
Source: Stellar MLS #S5136361
$587,990-16.0%
$270/sqft
10/3/2025
Listed for sale
Source: Stellar MLS #S5136361
$699,990
$321/sqft

Neighborhood

2808 Deerfield St
St Cloud, FL, 34771 · 34771 - St Cloud (Magnolia Square)

Market insights

Offer Insights

Choose an offer strength

List price: $549,990
$545,000 – $549,990
99.5% – 100% of listTops out right at the list price
80% of listList price
306 of the last 474 home closings in 34771 landed at this number or higher (65%). The median one sat 36 days before it went under contract, and this one is on day 372 after a $150,000 cut.

Sample: 474 closed home sales in 34771 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$3,810/mo
Principal & interest$2,868
Property taxes$651
Insurance$275
HOA$16
Down payment20% · $109,998
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA is the fee reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$549,990

$253 per sq ft

Beds and baths

4 beds, 2 baths

Size

2,178 sq ft

Time on market

372 days

Year built

2004

Monthly payment

About $3,809/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $7,811 annual tax bill, insurance, and the $186/yr HOA fee.

HOA fee

$186/yr

Managed by Empire Management Group.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered byLA ROSA REALTY LLCListing agent: Luis Prado, JrListing data from Stellar MLS, MLS# S5136361.

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