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Overview

3 bd2 ba1,869 sqft2 car garageSingle Family
TypeSingle Family
HOA$365/yr
Built2003
Lot15,159 sqft
Living area1,869 sqft
Price / sqft$240
Garage2 car

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

About this home

Ceiling Fans(s)High CeilingsKitchen/Family Room ComboRain Barrel/Cistern(s)DishwasherMicrowaveRangeRange Hood

5686 Merlin Way is a 2003-built home in Camelot Unit 4, St Cloud. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,869 square feet of living space. Listed at $449,000 (about $240/sqft), 36 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $365 semi-annually.

From the listing

WELCOME HOME! to this beautifully updated 3-bedroom, 2-bath home located in Camelot, a gated St. Cloud community known for its distinctive custom-built homes and unique character. Situated on an oversized .35-acre lot with a fully fenced backyard and no rear neighbors, this home offers plenty of space and privacy for enjoying the Florida lifestyle. Freshly painted inside and out, the home features new coordinating vinyl flooring throughout, crown molding, and a beautifully updated kitchen with new countertops, backsplash, and coordinating appliances included. An inside laundry room adds everyday convenience, while the primary suite features an upgraded walk-in closet with custom cabinetry and shelving for additional storage and organization. Step outside to the extended, fully screened back patio overlooking the spacious fenced backyard an inviting space for entertaining, relaxing, or enjoying Florida's year-round outdoor living. With low HOA fees, no CDD, thoughtful updates, added privacy, and the charm of a custom-home community, this move-in-ready home has so much, and ready for you! Schedule your private showing today!

The essentials

Built
2003
Price / sqft
$240
On market
36 days
Annual tax
$4,875
HOA
$365/yr
Flood zone
X · Low risk
Lot
15,159 sqft
Type
Single Family Residence

At a glance

Single family
Built 2003
2 car garage
0.35 acres
Lot size
1,869 sqft
Living area

Payment

Est. monthly payment
$3,003/mo
Down payment (20%)
$89,800
Property taxes
$406/mo
HOA
$365/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2003
Lot
15,159 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
36
Ceiling Fans(s)
High Ceilings
Kitchen/Family Room Combo
Rain Barrel/Cistern(s)
Dishwasher
Microwave
Range
Range Hood
Refrigerator
Elementary
Michigan Avenue Elem (K 5)
Middle
St. Cloud Middle (6-8)
High
St. Cloud High School

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$4,875
Parcel #
23-26-30-0032-0001-0210

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
Camelot Unit 4
County
Osceola
MLS Area
34772 - St Cloud (Narcoossee Road)
Lot Size
15,159 sqft
HOA
$365/yr
Megan Carter Empire Management

Price history

Date
Event
Price
10/2/2026
Price change
Source: Stellar MLS #S5156972
$449,000-3.4%
$240/sqft
9/4/2026
Listed for sale
Source: Stellar MLS #S5156972
$465,000
$249/sqft

Neighborhood

5686 Merlin Way
St Cloud, FL, 34772 · 34772 - St Cloud (Narcoossee Road)

Market insights

Offer Insights

Choose an offer strength

List price: $449,000
$447,500 – $449,000
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 36 after a $16,000 cut.

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
$3,003/mo
Principal & interest$2,342
Property taxes$406
Insurance$225
HOA$30
Down payment20% · $89,800
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

$449,000

$240 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,869 sq ft

Time on market

36 days

Year built

2003

Monthly payment

About $3,003/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,875 annual tax bill, insurance, and the $365/yr HOA fee.

HOA fee

$365/yr

Managed by Megan Carter Empire 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 bySOUTHERN GROUNDS REALTY LLCListing agent: Madie ZilkeListing data from Stellar MLS, MLS# S5156972.

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