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Overview

5 bd3 ba2,518 sqft2 car garageSingle Family
TypeSingle Family
HOA$66/mo
Built2015
Lot9,148 sqft
Living area2,518 sqft
Price / sqft$177
Garage2 car

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

About this home

Ceiling Fans(s)Crown MoldingEat-in KitchenHigh CeilingsKitchen/Family Room ComboLiving Room/Dining Room ComboSplit BedroomStone Counters

3534 Cayugas Loop is a 2015-built home in Mallard Pond Ph 4b, St Cloud. Inside you'll find 5 bedrooms, 3 bathrooms, and 2,518 square feet of living space. Listed at $445,000 (about $177/sqft), 123 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $66 monthly.

From the listing

This stunning and well-maintained 5-bedroom, 2.5-bath residence is conveniently situated near shopping centers, restaurants, medical facilities, grocery stores, major roadways and more. Upon approaching the home, you will notice the low-maintenance landscaping and the immaculate lawn, both in pristine condition. Additionally, the exterior has recently undergone meticulous painting. As you enter through the front door, you will be greeted by a newly painted interior, in neutral tones which compliments the tile flooring throughout the house. The formal living and dining room combination offers an abundance of space and has lots of natural light from the large windows with designer Zebra Blinds. Continuing through the home, you will observe the three-way split layout. The front area features an office that can easily serve as a bedroom, along with ample storage closets and a convenient half bath. The primary bedroom is located at the rear of the house, ensuring privacy, as the other three bedrooms and a guest bath are situated on the opposite side. The primary suite includes its own bathroom, complete with a stand-up shower, a separate soaking tub, dual sinks, a private water closet, and a generously sized walk-in closet. As you explore further, you will appreciate the crown molding that adorns the home, adding an elegant touch and a water softener for improved quality of water. The kitchen is equipped with stainless steel appliances, 42-inch cabinets, an attractive backsplash, a large island with seating for stools, a deep pantry closet, and an additional storage area. There is also ample space in the kitchen for a sizable dining table and chairs. From the family room, you can access the yard through sliding glass doors, leading to an enclosed lanai that overlooks a magnificent pond. The fully fenced yard allows for unobstructed enjoyment of the breathtaking view. To enhance your outdoor experience, a large solid wood pergola is pre-wired for garden lights, a fan, and/or a TV, providing ample space for a barbecue grill and outdoor furniture. This home is perfect for entertaining, offering a seamless blend of indoor and outdoor living. This residence is a must-see because of its attractive appeal and prime location. In addition to being near entertainment options, it is approximately a 40-minute drive to Orlando International Airport and the VSA Medical City in Lake Nona. Moreover, let us not overlook Mickey Mouse, who is also just a short drive away :) Arrange your appointment today; this turnkey, move in ready home, will not disappoint!

The essentials

Built
2015
Price / sqft
$177
On market
123 days
Annual tax
$4
HOA
$66/mo
Flood zone
X · Low risk
Lot
9,148 sqft
Type
Single Family Residence

At a glance

Single family
Built 2015
Water views
Water
2 car garage
9,148 sqft lot
Lot size
2,518 sqft
Living area

Payment

Est. monthly payment
$2,610/mo
Down payment (20%)
$89,000
Property taxes
$0/mo
HOA
$66/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2015
Lot
9,148 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
123
Ceiling Fans(s)
Crown Molding
Eat-in Kitchen
High Ceilings
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Split Bedroom
Stone Counters
Walk-in Closet(s)
Lighting
Private Mailbox
Rain Gutters
Sidewalk
Dishwasher
Disposal
Electric Water Heater
Microwave
Range
Refrigerator
Water Softener
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$4
Parcel #
27-26-30-0180-0001-5090

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
Mallard Pond Ph 4b
County
Osceola
MLS Area
34772 - St Cloud (Narcoossee Road)
Lot Size
9,148 sqft
HOA
$66/mo
Vista Community Association Management

Price history

Date
Event
Price
9/22/2026
Price change
Source: Stellar MLS #S5151714
$445,000+2.3%
$177/sqft
-
Price change
Source: Stellar MLS #S5151714
$435,000-6.5%
$173/sqft
6/12/2026
Listed for sale
Source: Stellar MLS #S5151714
$465,000
$185/sqft

Neighborhood

3534 Cayugas Loop
St Cloud, FL, 34772 · 34772 - St Cloud (Narcoossee Road)

Market insights

Offer Insights

Choose an offer strength

List price: $445,000
$442,500 – $445,000
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 123 after a $20,000 cut.

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

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Calculator

Est. monthly payment
$2,610/mo
Principal & interest$2,321
Property taxes$0
Insurance$223
HOA$66
Down payment20% · $89,000
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 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

$445,000

$177 per sq ft

Beds and baths

5 beds, 3 baths

Size

2,518 sq ft

Time on market

123 days

Year built

2015

Monthly payment

About $2,610/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4 annual tax bill, insurance, and the $66/mo HOA fee.

HOA fee

$66/mo

Managed by Vista Community Association 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

What should I offer?

Have another question?

Brokered byCHARLES RUTENBERG REALTY ORLANDOListing agent: Aimee CruzListing data from Stellar MLS, MLS# S5151714.

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