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Overview

3 bd3 ba2,436 sqft2 car garageSingle Family
TypeSingle Family
HOA$266.01/qtr
Built2005
Lot20,081 sqft
Living area2,436 sqft
Price / sqft$222
Garage2 car

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

About this home

Ceiling Fans(s)High CeilingsKitchen/Family Room ComboLiving Room/Dining Room ComboSolid Wood CabinetsSplit BedroomWalk-in Closet(s)Window Treatments

2807 Deerfield St is a 2005-built home in Hammock Pointe Un 03, St Cloud. Inside you'll find 3 bedrooms, 3 bathrooms, and 2,436 square feet of living space. Listed at $540,000 (about $222/sqft), 153 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $266.01 quarterly.

From the listing

Welcome to an amazing home with 3 Bedroom & 2 Bathroom 2,436SF with heated pool in the desirable community of Hammock Pointe on rare .46-Acre lot open and bright layout. The living room featuring 12-Foot Ceilings. The kitchen is equipped with quartz countertops, stainless steel appliances & eat-In breakfast bar. The Primary Suite Offers a generous walk-In closet, dual vanities super spacious shower. Split layout offering privacy to 10-Foot ceilings bedroom, French doors lead into the peaceful backyard views. Step outside to your screened pool, perfect spot for relaxation and entertaining. Oversized 2-car garage & extended driveway. Equipped with well water, water softener, septic tank and sprinkler system. Mature landscaping. Heated pool with solar panels, water softener 2019, A/C 2019, Paint 2020 & Roof 2022 Minutes from Lake Nona, Medical City, VA Hospital, shopping, dining, top-rated schools. Enjoy one of the few neighborhood where there is plenty of space between the homes and ample front and back yards. This community is perfect for walking to enjoy nature. Se habla espanol.

The essentials

Built
2005
Price / sqft
$222
On market
153 days
Annual tax
$4,935
HOA
$266.01/qtr
Flood zone
X · Low risk
Lot
20,081 sqft
Type
Single Family Residence

At a glance

Single family
Built 2005
Private pool
Heated
2 car garage
Garage Door Opener
0.46 acres
Lot size
2,436 sqft
Living area

Payment

Est. monthly payment
$3,586/mo
Down payment (20%)
$108,000
Property taxes
$411/mo
HOA
$266.01/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2005
Lot
20,081 sqft
Cooling
Central Air
Heating
Central
Parking
Garage Door Opener, Garage Faces Side, Guest
Pool
Gunite, Heated, Screen Enclosure, Solar Heat
Days on Market
153
Ceiling Fans(s)
High Ceilings
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Solid Wood Cabinets
Split Bedroom
Walk-in Closet(s)
Window Treatments
Built-in Oven
Cooktop
Dishwasher
Disposal
Dryer
Microwave
Refrigerator
Water Softener
Elementary
Narcoossee Elementary
Middle
Narcoossee Middle
High
Harmony High

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

Homestead exemption on file Flood Zone X
Annual Tax (2024)
$4,935
Parcel #
05-25-31-3327-0001-0770

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 Un 03
County
Osceola
MLS Area
34771 - St Cloud (Magnolia Square)
Lot Size
20,081 sqft
LevelOversized Lot
HOA
$266.01/qtr
Southwest Property Management

Price history

Date
Event
Price
9/25/2026
Price change
Source: Stellar MLS #S5149609
$540,000-4.4%
$222/sqft
-
Price change
Source: Stellar MLS #S5149609
$565,000-8.1%
$232/sqft
5/11/2026
Listed for sale
Source: Stellar MLS #S5149609
$615,000
$252/sqft

Neighborhood

2807 Deerfield St
St Cloud, FL, 34771 · 34771 - St Cloud (Magnolia Square)

Market insights

Offer Insights

Choose an offer strength

List price: $540,000
$535,000 – $540,000
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 153 after a $75,000 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
$3,586/mo
Principal & interest$2,816
Property taxes$411
Insurance$270
HOA$89
Down payment20% · $108,000
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

$540,000

$222 per sq ft

Beds and baths

3 beds, 3 baths

Size

2,436 sq ft

Time on market

153 days

Year built

2005

Monthly payment

About $3,586/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,935 annual tax bill, insurance, and the $266.01/qtr HOA fee.

HOA fee

$266.01/qtr

Managed by Southwest Property Management.

Flood zone

Zone X

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

Offer

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Brokered byAGENT TRUST REALTY CORPORATIONListing agent: Heidi Velez CruzListing data from Stellar MLS, MLS# S5149609.

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