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Overview

4 bd2 ba1,859 sqft2 car garageSingle Family
TypeSingle Family
HOA$99/mo
Built2018
Lot6,534 sqft
Living area1,859 sqft
Price / sqft$218
Garage2 car

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

About this home

Ceiling Fans(s)Kitchen/Family Room ComboLiving Room/Dining Room ComboOpen FloorplanPrimary Bedroom Main FloorSmart HomeStone CountersThermostat

3517 Vega Creek Dr is a 2018-built home in Whaleys Creek Ph 2, St Cloud. Inside you'll find 4 bedrooms, 2 bathrooms, and 1,859 square feet of living space. Listed at $405,000 (about $218/sqft), 81 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $99 monthly.

From the listing

This elegant residence seamlessly combines luxury, comfort, and impeccable design. Upon entering, you'll be welcomed by soaring ceilings, upscale finishes, and exceptional attention to detail throughout. The contemporary kitchen features quartz countertops, stylish cabinetry, and designer light fixtures that enhance its modern appeal. The living room showcases a custom-designed feature wall, creating a stunning focal point for the entertainment area. The home offers four spacious bedrooms and two beautifully appointed bathrooms, each featuring quartz countertops and upgraded vanities. Step outside to the screened lanai, the perfect setting for relaxing evenings or entertaining family and friends while enjoying breathtaking lake views and spectacular sunsets. Additional highlights include premium window blinds throughout the home and a prime location within a desirable community offering a swimming pool and park. This exceptional property presents a rare opportunity to enjoy elegant living, modern comfort, and picturesque waterfront views.

The essentials

Built
2018
Price / sqft
$218
On market
81 days
Annual tax
$5,167
HOA
$99/mo
Flood zone
X · Low risk
Lot
6,534 sqft
Type
Single Family Residence

At a glance

Single family
Built 2018
Community pool
Shared amenity
2 car garage
Garage Door Opener
6,534 sqft lot
Lot size
1,859 sqft
Living area

Payment

Est. monthly payment
$2,844/mo
Down payment (20%)
$81,000
Property taxes
$431/mo
HOA
$99/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2018
Lot
6,534 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Garage Door Opener, Guest
Days on Market
81
Ceiling Fans(s)
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Open Floorplan
Primary Bedroom Main Floor
Smart Home
Stone Counters
Thermostat
Walk-in Closet(s)
Balcony
Garden
Sliding Doors
Association Recreation - Owned
Clubhouse
Community Mailbox
Irrigation-reclaimed Water
Playground
Pool
Sidewalks
Dishwasher
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
Elementary
Canoe Creek K-8
Middle
Harmony 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)
$5,167
Parcel #
35-26-30-0965-0001-1660

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
Whaleys Creek Ph 2
County
Osceola
MLS Area
34772 - St Cloud (Narcoossee Road)
Lot Size
6,534 sqft
HOA
$99/mo
ARTEMIS LIFESTYLES

Price history

Date
Event
Price
7/29/2026
Listed for sale
Source: Stellar MLS #S5154255
$405,000
$218/sqft

Neighborhood

3517 Vega Creek Dr
St Cloud, FL, 34772 · 34772 - St Cloud (Narcoossee Road)

Market insights

Offer Insights

Choose an offer strength

List price: $405,000
$402,500 – $405,000
99.5% – 100% of listTops out right at the list price
80% of listList price
245 of the last 395 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 81.

Sample: 395 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
$2,844/mo
Principal & interest$2,112
Property taxes$431
Insurance$203
HOA$99
Down payment20% · $81,000
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

$405,000

$218 per sq ft

Beds and baths

4 beds, 2 baths

Size

1,859 sq ft

Time on market

81 days

Year built

2018

Monthly payment

About $2,844/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,167 annual tax bill, insurance, and the $99/mo HOA fee.

HOA fee

$99/mo

Managed by ARTEMIS LIFESTYLES.

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 byHOMETRUST REALTY GROUPListing agent: Jeimaries AkimListing data from Stellar MLS, MLS# S5154255.

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