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Overview

4 bd3 ba2,820 sqft2 car garageSingle Family
TypeSingle Family
HOA$99/mo
Built2018
Lot8,276 sqft
Living area2,820 sqft
Price / sqft$165
Garage2 car

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

About this home

ThermostatSliding DoorsDishwasherDisposalMicrowaveRefrigerator

3624 Vega Creek Dr is a 2018-built home in Whaleys Creek Ph 3, St Cloud. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,820 square feet of living space. Listed at $465,000 (about $165/sqft), 60 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $99 monthly.

From the listing

Experience WaterFront living in this beautifully updated home located in WHALEYS CREEKs community, this spacious two-story residence offers 4 bedrooms, 2.5 bathrooms, a versatile office/flex room and approximately 2,820 square feet. of well-designed living space. From the moment you enter, you'll appreciate the freshly painted interior and bright, open layout designed for both everyday living and entertaining. The spacious kitchen is a standout feature, showcasing granite countertops, abundant wood cabinetry, stainless steel and dark-finish appliances, a large center island with bar seating, and plenty of workspace for cooking and gathering. The kitchen overlooks the dining and family room, creating an inviting space enhanced by natural light and picturesque water views. The first floor also includes a flexible room ideal for a home office, playroom, fitness space, or guest room, along with a convenient laundry room and an attached two-car garage. Upstairs, the private living quarters feature four generously sized bedrooms, including a spacious owner's suite designed for comfort and relaxation. Step outside and unwind while overlooking the peaceful pond from your premium waterfront backyard. Whether you're enjoying your morning coffee or hosting family and friends, this outdoor space provides a beautiful backdrop year-round. Conveniently located near shopping, restaurants, schools, parks, and major roadways, this move-in-ready home offers the ideal combination of modern finishes, functional living space, and an exceptional waterfront setting. Don't miss the opportunity to make this beautiful St. Cloud home your own.

The essentials

Built
2018
Price / sqft
$165
On market
60 days
Annual tax
$3,244
HOA
$99/mo
Flood zone
X · Low risk
Lot
8,276 sqft
Type
Single Family Residence

At a glance

Single family
Built 2018
2 car garage
8,276 sqft lot
Lot size
2,820 sqft
Living area

Payment

Est. monthly payment
$3,027/mo
Down payment (20%)
$93,000
Property taxes
$270/mo
HOA
$99/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2018
Lot
8,276 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
60
Thermostat
Sliding Doors
Dishwasher
Disposal
Microwave
Refrigerator
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$3,244
Parcel #
35-26-30-0966-0001-3220

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 3
County
Osceola
MLS Area
34772 - St Cloud (Narcoossee Road)
Lot Size
8,276 sqft
HOA
$99/mo
Artemis Lifestyles

Price history

Date
Event
Price
8/12/2026
Listed for sale
Source: Stellar MLS #S5155107
$465,000
$165/sqft

Neighborhood

3624 Vega Creek Dr
St Cloud, FL, 34772 · 34772 - St Cloud (Narcoossee Road)

Market insights

Offer Insights

Choose an offer strength

List price: $465,000
$462,500 – $465,000
99.5% – 100% of listTops out right at the list price
80% of listList price
235 of the last 376 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 60.

Sample: 376 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
$3,027/mo
Principal & interest$2,425
Property taxes$270
Insurance$233
HOA$99
Down payment20% · $93,000
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

$465,000

$165 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,820 sq ft

Time on market

60 days

Year built

2018

Monthly payment

About $3,027/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,244 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?

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Brokered byPREFERRED REAL ESTATE BROKERSListing agent: Michael SuazoListing data from Stellar MLS, MLS# S5155107.

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