3420 Home Town Ln, photo 1
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Overview

3 bd3 ba1,926 sqft1 car garageTownhouse
TypeTownhouse
HOA$241/mo
Built2005
Lot2,526 sqft
Living area1,926 sqft
Price / sqft$148
Garage1 car

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

About this home

Ceiling Fans(s)Primary Bedroom Main FloorRain GuttersDishwasherElectric Water HeaterMicrowaveRangeRefrigerator

3420 Home Town Ln is a 2005-built home in Town Center Villas, St Cloud. Inside you'll find 3 bedrooms, 3 bathrooms, and 1,926 square feet of living space. Listed at $285,000 (about $148/sqft), 62 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $241 monthly.

From the listing

Welcome to this spacious three-bedroom, two-and-a-half-bath townhome in St. Cloud, offering over 1,900 square feet of living space. As you arrive, you’re greeted by an attractive brick exterior, a paver driveway and walkway, covered front entry, and attached one-car garage. Step inside to a tiled entryway that leads toward the main living areas at the rear of the home. The bright, open living and dining space is filled with natural light from large windows and a sliding glass door leading to the covered back porch. Fresh interior paint, new carpet, updated light fixtures, and ceiling fans give the home a clean, refreshed feel. The kitchen features stainless steel appliances, a closet pantry, breakfast bar, and ample counter and cabinet space. Between the kitchen and garage, the interior laundry room offers plenty of open shelving for additional storage. The spacious primary suite is located on the first floor and features a private en suite bathroom with a walk-in shower. Upstairs, two additional spacious bedrooms share a Jack-and-Jill bathroom complete with a dual vanity and a tub/shower combination. Step outside to the nearly 300-square-foot covered back porch, providing plenty of room for outdoor seating, dining, or entertaining. The porch overlooks a landscaped green space accented by mature trees, creating an inviting outdoor extension of the home. Conveniently located in St. Cloud near shopping, dining, downtown St. Cloud, and the St. Cloud Lakefront, this home combines a spacious floor plan with a great location and plenty of indoor and outdoor living space. Don’t miss the opportunity to make this spacious St. Cloud townhome your own—schedule your private showing today!

The essentials

Built
2005
Price / sqft
$148
On market
62 days
Annual tax
$5,007
HOA
$241/mo
Flood zone
X · Low risk
Lot
2,526 sqft
Type
Townhouse

At a glance

Townhouse
Built 2005
1 car garage
2,526 sqft lot
Lot size
1,926 sqft
Living area

Payment

Est. monthly payment
$2,287/mo
Down payment (20%)
$57,000
Property taxes
$417/mo
HOA
$241/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Townhouse
Year Built
2005
Lot
2,526 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
62
Ceiling Fans(s)
Primary Bedroom Main Floor
Rain Gutters
Dishwasher
Electric Water Heater
Microwave
Range
Refrigerator
Flood Zone X
Annual Tax (2025)
$5,007
Parcel #
03-26-30-0851-0001-0180

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
Town Center Villas
County
Osceola
MLS Area
34769 - St Cloud (City of St Cloud)
Lot Size
2,526 sqft
HOA
$241/mo
Town Center HOA - Alexis Berbas

Price history

Date
Event
Price
9/22/2026
Price change
Source: Stellar MLS #S5155546
$285,000-3.4%
$148/sqft
8/12/2026
Listed for sale
Source: Stellar MLS #S5155546
$295,000
$153/sqft

Neighborhood

3420 Home Town Ln
St Cloud, FL, 34769 · 34769 - St Cloud (City of St Cloud)

Market insights

Offer Insights

Choose an offer strength

List price: $285,000
$282,500 – $285,000
99.5% – 100% of listTops out right at the list price
80% of listList price
27 of the last 39 townhouse or villa closings in 34769 landed at this number or higher (69%). The median one sat 60 days before it went under contract, and this one is on day 62 after a $10,000 cut.

Sample: 39 closed townhouse or villa sales in 34769 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$2,287/mo
Principal & interest$1,486
Property taxes$417
Insurance$143
HOA$241
Down payment20% · $57,000
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

$285,000

$148 per sq ft

Beds and baths

3 beds, 3 baths

Size

1,926 sq ft

Time on market

62 days

Year built

2005

Monthly payment

About $2,287/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,007 annual tax bill, insurance, and the $241/mo HOA fee.

HOA fee

$241/mo

Managed by Town Center HOA - Alexis Berbas.

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 byFLORIDA PINES REALTY, LLCListing agent: Steven DurranceListing data from Stellar MLS, MLS# S5155546.

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