3837 Elk Bluff Rd, photo 1
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Overview

4 bd2 ba1,696 sqft2 car garageSingle Family
TypeSingle Family
HOA$270/qtr
Built2023
Lot6,149 sqft
Living area1,696 sqft
Price / sqft$242
Garage2 car

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

About this home

Ceiling Fans(s)Living Room/Dining Room ComboOpen FloorplanPrimary Bedroom Main FloorSplit BedroomStone CountersThermostatWalk-in Closet(s)

3837 Elk Bluff Rd is a 2023-built home in Deer Run Estates Ph 2, St Cloud. Inside you'll find 4 bedrooms, 2 bathrooms, and 1,696 square feet of living space. Listed at $409,999 (about $242/sqft), 112 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $270 quarterly.

From the listing

TURN THE KEY AND START LIVING! This beautifully maintained 2023-built home offers 4 bedrooms, 2 bathrooms, and 1,696 heated square feet of move-in-ready living in the desirable Deer Run Estates community. Why wait for new construction when this like-new home is ready today? Step inside to an open-concept floor plan featuring engineered vinyl flooring throughout the living areas and bedrooms, tile flooring in the bathrooms and laundry room, and a stylish kitchen complete with granite countertops and all appliances included, including the washer and dryer. The split-bedroom layout provides privacy for the spacious primary suite, while three additional bedrooms offer flexibility for family, guests, or a home office. Enjoy the convenience of a 2-car garage and a partially fenced backyard with space to relax, entertain, or play. Conveniently located near shopping, dining, schools, Lake Nona, Orlando International Airport, and major roadways, this home offers comfort and convenience. As an added bonus, the seller is including a one-year home warranty with a full-price offer, providing added peace of mind. Schedule your private showing today!

The essentials

Built
2023
Price / sqft
$242
On market
112 days
Annual tax
$4,635
HOA
$270/qtr
Flood zone
X · Low risk
Lot
6,149 sqft
Type
Single Family Residence

At a glance

Single family
Built 2023
2 car garage
6,149 sqft lot
Lot size
1,696 sqft
Living area

Payment

Est. monthly payment
$2,819/mo
Down payment (20%)
$82,000
Property taxes
$386/mo
HOA
$270/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2023
Lot
6,149 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
112
Ceiling Fans(s)
Living Room/Dining Room Combo
Open Floorplan
Primary Bedroom Main Floor
Split Bedroom
Stone Counters
Thermostat
Walk-in Closet(s)
Window Treatments
Sidewalk
Dishwasher
Disposal
Dryer
Electric Water Heater
Exhaust Fan
Kitchen Reverse Osmosis System
Microwave
Range
Refrigerator
Washer
Water Filtration System
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$4,635
Parcel #
31-26-31-3583-0001-1210

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
Deer Run Estates Ph 2
County
Osceola
MLS Area
34772 - St Cloud (Narcoossee Road)
Lot Size
6,149 sqft
HOA
$270/qtr
Empire Management Group

Price history

Date
Event
Price
6/22/2026
Listed for sale
Source: Stellar MLS #S5152566
$409,999
$242/sqft

Neighborhood

3837 Elk Bluff Rd
St Cloud, FL, 34772 · 34772 - St Cloud (Narcoossee Road)

Market insights

Offer Insights

Choose an offer strength

List price: $409,999
$407,500 – $409,999
99.5% – 100% of listTops out right at the list price
80% of listList price
235 of the last 375 home closings in 34772 landed at this number or higher (63%). The median one sat 41 days before it went under contract, and this one is on day 112.

Sample: 375 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
$2,820/mo
Principal & interest$2,138
Property taxes$386
Insurance$205
HOA$90
Down payment20% · $82,000
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

$409,999

$242 per sq ft

Beds and baths

4 beds, 2 baths

Size

1,696 sq ft

Time on market

112 days

Year built

2023

Monthly payment

About $2,819/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,635 annual tax bill, insurance, and the $270/qtr HOA fee.

HOA fee

$270/qtr

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 byWEICHERT REALTORS HALLMARK PROListing agent: Michelle GeberthListing data from Stellar MLS, MLS# S5152566.

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