Alek Cherrone
Short-Term Rental Eligible
$569,9994 bd3 ba3,545 sqft$161 /sqft$4,193 /mo all-in ↓

3560 PIXIE LANE, ST CLOUD, FL, 34772

Active0 days on marketListed Jul 29, 2026MLS #S5154609

Single Family ResidenceESPRIT PH 2

About this home

3560 PIXIE LANE

Welcome to 3560 Pixie Lane, an exceptional 4-bedroom, 4-bathroom home offering approximately 3,545 square feet of thoughtfully designed living space in one of St. Cloud’s most desirable communities. From the moment you arrive, you’ll appreciate the attractive curb appeal, elegant architectural details, and spacious layout designed for everyday living and entertaining. Step inside to discover beautiful wood flooring, soaring ceilings, recessed lighting, and an open-concept design that creates an inviting and luxurious atmosphere throughout the home. The heart of the property is the stunning chef’s kitchen, featuring an oversized quartz island, upgraded cabinetry with glass accents, a designer backsplash, stainless steel appliances, a pantry, abundant storage, and extensive counter space. Whether preparing a family meal or entertaining guests, this kitchen was designed to impress. The expansive living room provides an incredible gathering space for family and friends. Enhanced by a custom tray ceiling with decorative beams and designer finishes, this impressive room flows seamlessly into the dining area and kitchen, creating the perfect setting for entertaining. Working from home is easy with the dedicated 14' × 12' office, offering a quiet and comfortable environment for business, studying, or managing daily activities. The separate 14' × 11' game room provides another highly desirable space for gaming, recreation, hobbies, or spending quality time with family and friends. The spacious primary suite offers a private retreat complete with a large walk-in closet and a luxurious ensuite bathroom featuring dual vanities, a relaxing garden tub, and a separate glass-enclosed shower. Three additional bedrooms and multiple bathrooms provide comfort and privacy for family members and guests. Need even more space? The enormous 23' × 19' upstairs loft includes its own full bathroom. This flexible bonus area can serve as a media room, guest suite, home gym, playroom, second family room, or even a fifth bedroom. Enjoy Florida living at its finest from the oversized screened lanai overlooking the large, partially fenced backyard—an ideal setting for outdoor dining, entertaining, pets, or future backyard enhancements. The home is also equipped with an ADT security system, providing added peace of mind and convenience. Conveniently located near shopping, restaurants, schools, Lake Nona Medical City, Orlando International Airport, major highways, and Central Florida’s world-famous attractions, this home offers the perfect combination of luxury, comfort, flexibility, and convenience. Homes offering this much space and versatility rarely become available. Schedule your private showing today and experience everything 3560 Pixie Lane has to offer before it’s gone!

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

3,545

Sqft

0.18 ac

Lot size

2

Garage

2014

Year built

Two

Levels

$161

Per sqft

Inside

FlooringCarpet · Ceramic Tile · Luxury Vinyl · Vinyl
AppliancesConvection Oven · Dishwasher · Disposal · Dryer · Electric Water Heater · Exhaust Fan · Microwave · Refrigerator · Washer
InteriorCathedral Ceiling(s) · Ceiling Fan(s) · Crown Molding · High Ceilings · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · PrimaryBedroom Upstairs · Tray Ceiling(s) · Vaulted Ceiling(s) · Walk-In Closet(s)
LaundryLaundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock
FoundationSlab
FacesNorth
ParkingGarage Door Opener · Ground Level · Guest · On Street · Open · Oversized
ExteriorFrench Doors · Lighting

Community & fees

HOA fee$85/mo
Taxes (2025)$7,908/yr
PetsCats OK, Dogs OK

Utilities & systems

UtilitiesCable Available · Electricity Connected · Sewer Connected · Water Connected
WaterPublic

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.

$4,193 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,076
PMI (est., until 20% equity)$214
Property tax — 2025 actual bill$659
HOA fee — from the listing$85
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $57,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $57,000
Interest rate6.00%
Loan term

Estimated payment

$4,193/mo

Principal & interest$3,076
PMI (est., until 20% equity)$214
Property taxes (actual bill)$659
HOA / condo fee$85
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. 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.

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

Nightly rentalsAllowed
CommunityEsprit
Fine-tuned for this homePrepared free by our team
Get the free rental analysis

Projected nightly rate, occupancy and annual revenue for this exact home.

Long-term rental

$2,369/mo median

MarketSt Cloud
Annual gross at median$28,422
Gross yield on this price5.0%
Homes for rent right now332

Live St Cloud rental listing data — this home’s rate depends on size, condition and furnishing.

Where it sits

Inside Esprit

Map of 3560 PIXIE LANE

Drive times from this address

Universal Orlando42 min
Orlando Int’l Airport (MCO)42 min
Walt Disney World43 min
Downtown Orlando43 min

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

ElementaryHickory Tree Elementary School★★★★★
MiddleSt. Cloud Middle School★★★★★
HighHarmony High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The St Cloud market

Seller’s marketBalanced6.2 months of inventoryBuyer’s market

$414K$400K

St Cloud median sold, yr/yr

98.4%

Sale-to-list ratio (12 mo)

Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 54% above the ST CLOUD 34772 median. See the full St Cloud market guide →

Paper trail

This home's history

Jul 29, 2026Listed at $569,999 · 0 days on market since
2014Built · ESPRIT PH 2

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.

Alek Cherrone

Your agent

Alek Cherrone

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 3560 PIXIE LANE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3560 PIXIE LANE — 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

3560 PIXIE LANE FAQs

What would the monthly payment be for 3560 PIXIE LANE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,193/mo — principal and interest, the actual property-tax bill, the $85/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 3560 PIXIE LANE?+

The association fee works out to $85 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 3560 PIXIE LANE?+

The most recent tax bill on record (2025) was $7,908. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Can 3560 PIXIE LANE 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 3560 PIXIE LANE?+

The listing reports pets: Cats OK, Dogs OK. 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 $569,999, this home is listed about 34% above the St Cloud median of $425,000. The market section on this page shows how the area is trending.

Which schools are assigned to 3560 PIXIE LANE?+

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

01Positioned at the premium end

$569,999 runs 54% above the ST CLOUD 34772 median — but at 3,545 sqft it's also nearly twice the size of the typical St Cloud listing.

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.

03Fresh on the market

Listed today in a St Cloud market that averages 33 — if it fits, move quickly.

Listing courtesy of CHARLES RUTENBERG REALTY ORLANDO · Jose Hooker-Gomez. MLS #S5154609.

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.

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