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Overview

4 bd2 ba1,950 sqft2 car garageSingle Family
TypeSingle Family
HOA$98/mo
Built2021
Lot7,405 sqft
Living area1,950 sqft
Price / sqft$204
Garage2 car

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

About this home

IN Wall Pest SystemOpen FloorplanSolid Surface CountersSolid Wood CabinetsThermostatWalk-in Closet(s)Sliding DoorsAssociation Recreation - Owned

3960 Guernsey Bnd is a 2021-built home in Old Hickory 50s, St Cloud. Inside you'll find 4 bedrooms, 2 bathrooms, and 1,950 square feet of living space. Listed at $398,000 (about $204/sqft), 246 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $98 monthly.

From the listing

Come to a property where design, comfort, and future value come together in one of Central Florida’s strongest growth markets. This beautifully maintained residence features 4 spacious bedrooms, ideal for families, multigenerational living, or creating the perfect home office environment for today’s professional lifestyle. The heart of the home is a modern open-concept kitchen with elegant quartz countertops, abundant cabinetry, and seamless flow into the living and dining areas — perfect for entertaining, hosting, and everyday enjoyment. Wake up and unwind with a peaceful water view, providing privacy, natural light, and that premium touch buyers are searching for. Additional highlights buyers will love: Open layout with excellent natural light, Generous primary suite functional spaces for gatherings, Move-in ready condition, Located in a high-demand residential corridor Positioned in St. Cloud, you benefit from proximity to Lake Nona, Orlando’s employment expansion, medical and technology growth, while enjoying a quieter residential environment. This is where families upgrade their quality of life and investors secure tomorrow’s appreciation. Smart buyers follow growth. Great buyers arrive early. Schedule your private tour today.

The essentials

Built
2021
Price / sqft
$204
On market
246 days
Annual tax
$6,500
HOA
$98/mo
Flood zone
X · Low risk
Lot
7,405 sqft
Type
Single Family Residence

At a glance

Single family
Built 2021
Community pool
Shared amenity
2 car garage
Driveway
7,405 sqft lot
Lot size
1,950 sqft
Living area

Payment

Est. monthly payment
$2,915/mo
Down payment (20%)
$79,600
Property taxes
$542/mo
HOA
$98/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2021
Lot
7,405 sqft
Cooling
Central Air
Heating
Central, Solar
Parking
Driveway, Garage Door Opener
Days on Market
246
IN Wall Pest System
Open Floorplan
Solid Surface Counters
Solid Wood Cabinets
Thermostat
Walk-in Closet(s)
Sliding Doors
Association Recreation - Owned
Irrigation-reclaimed Water
Park
Playground
Pool
Street Lights
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
Elementary
Hickory Tree Elem
Middle
St. Cloud Middle (6-8)
High
Harmony High

Districts can re-zone, so verify directly with the district before relying on these.

In a CDD (Community Development District) Flood Zone X
Annual Tax (2026)
$6,500
Parcel #
13-26-30-0117-0001-0020

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
Old Hickory 50s
County
Osceola
MLS Area
34772 - St Cloud (Narcoossee Road)
Lot Size
7,405 sqft
In CountyPaved
HOA
$98/mo
Icon Management/Valerie D'Ambrosio

Price history

Date
Event
Price
7/31/2026
Price change
Source: Stellar MLS #S5142708
$398,000-0.3%
$204/sqft
-
Price change
Source: Stellar MLS #S5142708
$399,000-3.9%
$205/sqft
2/9/2026
Listed for sale
Source: Stellar MLS #S5142708
$415,000
$213/sqft

Neighborhood

3960 Guernsey Bnd
St Cloud, FL, 34772 · 34772 - St Cloud (Narcoossee Road)

Market insights

Offer Insights

Choose an offer strength

List price: $398,000
$395,000 – $398,000
99.5% – 100% of listTops out right at the list price
80% of listList price
235 of the last 377 home closings in 34772 landed at this number or higher (62%). The median one sat 41 days before it went under contract, and this one is on day 246 after a $17,000 cut.

Sample: 377 closed home sales in 34772 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$2,914/mo
Principal & interest$2,076
Property taxes$542
Insurance$199
HOA$98
Down payment20% · $79,600
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 includes any condo dues 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

$398,000

$204 per sq ft

Beds and baths

4 beds, 2 baths

Size

1,950 sq ft

Time on market

246 days

Year built

2021

Monthly payment

About $2,915/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $6,500 annual tax bill, insurance, and the $98/mo HOA fee.

HOA fee

$98/mo

Managed by Icon Management/Valerie D'Ambrosio.

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 byAROD PARTNERS REALTYListing agent: Alejandro RodriguezListing data from Stellar MLS, MLS# S5142708.

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