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Overview

4 bd3 ba2,317 sqft2 car garageSingle Family
TypeSingle Family
HOA$262/yr
Built1995
Lot10,886 sqft
Living area2,317 sqft
Price / sqft$259
Garage2 car

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About this home

Ceiling Fans(s)High CeilingsOpen FloorplanWalk-in Closet(s)LightingSidewalkPrivate YardCommunity Mailbox

5232 Hammock Cir is a 1995-built home in Hammock Pointe, St Cloud. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,317 square feet of living space. Listed at $599,900 (about $259/sqft), 27 days on market. Flood zone AE - confirm flood insurance requirements with your lender. HOA runs $262 annually.

From the listing

POOL HOME, with new ROOF 2021 and new WINDOWS 2020. Immaculate and meticulous home! Upon entering the home you will find a completely open floor plan, formal living room with fireplace, and dining room. Upgrades include all ceramic tile floors throughout except 4 bedrooms that have wood floors and tile in the bathrooms, solid wood kitchen cabinets, stainless steel appliances. Your island bar with optional seating with an open floor plan which allows an open view of the living room, dining room, kitchen, and pool. The open space is ideal for a big family. The kitchen, which is located adjacent to the dining room and living room, allows for free interaction with the family as you cook dinner or even enjoy looking past the dining room to the covered rear patio. The amount of natural light pouring from all sides of the house is amazing, perfect for those who prefer a natural atmosphere. In the rest of the house, you will find the owner's suite and three additional bedrooms. The owner’s suite, located towards one side of the house, master has plenty of space with a shower, garden tub, dual vanity sink, solid wood cabinets, large walk-in closet. Next, you will find the Welcome to this stunning 4-bedroom, 3 bath Home located in the charming city of St. Cloud! This fabulous home boasts a luxurious pool, perfect for relaxing and entertaining guests on those hot summer days. Step inside to find a lovely kitchen featuring solid wood kitchen cabinets, newly remodeled countertops and top-of-the-line stainless steel appliances - a chef's dream! The open concept layout is ideal for hosting dinner parties or simply enjoying family time. The spacious bedrooms offer plenty of room for everyone to have their own oasis, while the bathrooms are beautifully appointed with modern fixtures and finishes. But the perks don't stop there! This property is conveniently located near lots of shopping and restaurants, making it easy to explore the local scene. And with schools nearby, this is the perfect place for families to call home. Don't miss out on this incredible opportunity to live in luxury in the heart of St. Cloud - Furniture included or can be remove. Call today for showing.

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The essentials

Built
1995
Price / sqft
$259
On market
27 days
Annual tax
$7,660
HOA
$262/yr
Flood zone
AE
Lot
10,886 sqft
Type
Single Family Residence

At a glance

Single family
Built 1995
Private pool
Screen Enclosure
2 car garage
Driveway
0.25 acres
Lot size
2,317 sqft
Living area

Payment

Est. monthly payment
$4,089/mo
Down payment (20%)
$119,980
Property taxes
$638/mo
HOA
$262/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1995
Lot
10,886 sqft
Cooling
Central Air, Attic Fan
Heating
Electric
Parking
Driveway, Garage Door Opener
Pool
Screen Enclosure, Child Safety Fence, In Ground
Days on Market
27
Ceiling Fans(s)
High Ceilings
Open Floorplan
Walk-in Closet(s)
Lighting
Sidewalk
Private Yard
Community Mailbox
Irrigation-reclaimed Water
Sidewalks
Street Lights
Convection Oven
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
Water Filtration System
Elementary
Narcoossee Elementary
Middle
Narcoossee Middle
High
Tohopekaliga High School

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

Flood Zone AE
Annual Tax (2025)
$7,660
Parcel #
05-25-31-3325-0001-0160

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
Hammock Pointe
County
Osceola
MLS Area
34771 - St Cloud (Magnolia Square)
Lot Size
10,886 sqft
SidewalkPavedLandscaped
HOA
$262/yr
EMPIRE MANAGEMENT GROUP

Price history

Date
Event
Price
10/2/2026
Price change
Source: Stellar MLS #S5158158
$599,900-1.6%
$259/sqft
9/21/2026
Listed for sale
Source: Stellar MLS #S5158158
$609,900
$263/sqft

Neighborhood

5232 Hammock Cir
St Cloud, FL, 34771 · 34771 - St Cloud (Magnolia Square)

Market insights

Offer Insights

Choose an offer strength

List price: $599,900
$595,000 – $599,900
99.5% – 100% of listTops out right at the list price
80% of listList price
303 of the last 469 home closings in 34771 landed at this number or higher (65%). The median one sat 37 days before it went under contract, and this one is on day 27 after a $10,000 cut.

Sample: 469 closed home sales in 34771 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$4,089/mo
Principal & interest$3,129
Property taxes$638
Insurance$300
HOA$22
Down payment20% · $119,980
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

$599,900

$259 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,317 sq ft

Time on market

27 days

Year built

1995

Monthly payment

About $4,089/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $7,660 annual tax bill, insurance, and the $262/yr HOA fee.

HOA fee

$262/yr

Managed by EMPIRE MANAGEMENT GROUP.

Flood zone

Zone AE

That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.

Offer

What should I offer?

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Brokered byWEICHERT REALTORS HALLMARK PROListing agent: Sherry FeckListing data from Stellar MLS, MLS# S5158158.

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