3827 SPIRITED CIRCLE, ST CLOUD, FL, 34772
Active37 days on marketListed Jun 23, 2026MLS #K4903573
About this home
3827 SPIRITED CIRCLE
REO. Welcome home to 3827 Spirited Circle. This 4 bedroom, 2 full bathroom, 3 car garage home sits on an oversized lot of .26 acres with a fenced back yard. This home features ceramic tile throughout overlooking the water, huge walk-in closet, double vanities in primary bathroom, plenty of recessed lighting, 42" ship-lap on walls of family room with barn doors, 8' front door, 8' sliding doors at rear of home leading out to a 15'x8' covered lanai over looking the water, and 10'-6" ceiling height throughout entire home. Plenty of back yard space for a future pool ,and a huge 3 car garage with matching driveway for plenty of car parking. This home has no CDD and very reasonable property taxes and HOA fee, close to the turnpike onramp into down town Orlando (35 minute drive), community pool, community play ground, concrete sidewalks for exercise throughout community. Homegenius Real Estate is Co-Broker
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,988
Sqft
0.26 ac
Lot size
3
Garage
2008
Year built
One
Levels
$158
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$2,672 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,672/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−19.2%
$/sqft vs St Cloud actives
$158 vs $217
Days on market
37 vs 33 typical
Where $158/sqft sits among the 400 St Cloud actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
The investor lens
Two ways this home pays
This home sits inside Esprit, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,369/mo median
Live St Cloud rental listing data — this home’s rate depends on size, condition and furnishing.
The Saint Cloud short-term market
▼ Softening44%
Occupancy
▼ 9% yr/yr
$182
Avg nightly rate
▼ 21% yr/yr
$19K/yr
Revenue per listing
$84
RevPAR
38 days
Booking lead time
4.9 nights
Avg stay
4
Typical min nights
58
Active rentals
▲ 14% supply
Seasonality — monthly occupancy
Peaks at 54% in Feb · bottoms at 36% in May
Last 12 months of data, January–December, bars scaled to the seasonal peak. Market-wide averages across all home sizes in Saint Cloud — the projection above is specific to this home’s size.
Where it sits
Inside Esprit
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Esprit is a short-term-rental community. See the full guide →
ST CLOUD 34772 — neighborhood snapshot
Population
33,542
Median age
39.9
Median income
$86,900
Median home value
$352,400
Avg household
3.05
Households w/ children
4,027
For the school run
Osceola County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Cloud market
$414K → $400K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
190 of 400
St Cloud actives have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 15% below the ST CLOUD 34772 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 3827 SPIRITED CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$434,900
3848 SPIRITED CIRCLE · same community
3 bd · 2.5 ba · 2,039 sqft · $213/sqft · 22 DOM
Sold · May ’26$360,000
3819 SPIRITED CIRCLE · same community
4 bd · 2 ba · 1,859 sqft · $194/sqft · 30 DOM
Sold · Dec ’25$408,500
3681 DAYDREAM PLACE · same community
4 bd · 2 ba · 1,841 sqft · $222/sqft · 92 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Alek Cherrone
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3827 SPIRITED CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3827 SPIRITED CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Alek's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3827 SPIRITED CIRCLE FAQs
What would the monthly payment be for 3827 SPIRITED CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,672/mo — principal and interest, the actual property-tax bill, the $75/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 3827 SPIRITED CIRCLE?+
The association fee works out to $75 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3827 SPIRITED CIRCLE?+
The most recent tax bill on record (2025) was $5,329. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 3827 SPIRITED CIRCLE be rented short-term?+
Yes — this home sits inside Esprit, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 3827 SPIRITED CIRCLE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in St Cloud?+
At $314,900, this home is listed about 26% below the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3827 SPIRITED CIRCLE?+
Hickory Tree Elementary School (elementary), St. Cloud Middle School (middle), Harmony High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the ST CLOUD 34772 market on paper
$314,900 is 15% below the ST CLOUD 34772 median of $370,000, and at $158/sqft it sits under the St Cloud average of $236.
02Zoned for nightly rentals
Esprit is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
Keep looking
Similar homes nearby
Listing courtesy of SUN SEEKERS REAL ESTATE INC · Steven Wilson. MLS #K4903573.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
Never miss a listing
New St Cloud homes, in your inbox
Like 3827 SPIRITED CIRCLE but not quite? A daily digest of every new listing in St Cloud — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Alek to ping you on any price or status change →