320 ST CLOUD ROAD, POINCIANA, FL, 34759
Active1 days on marketListed Aug 9, 2026MLS #S5155318
About this home
320 ST CLOUD ROAD
Welcome to this beautiful open concept home with 3 bedrooms, 2 baths, living room and dining room combo, build in 2021. You will be impressed with the spacious kitchen with all stainless-steel appliances and two door closet pantry. The comfortable master bedroom is in the back of the home with amazing view to the backyard. This suite has walk-in closet and bathroom with two sinks and shower. Bedroom with a front facing view ideal for a home office, media room, or playroom. The huge patio will give you the opportunity to enjoy with your family the excellent weather of Florida. Two-car garage plus driveway space for up to six vehicles. The HOA Fee include internet and Cable TV. Great Opportunity to join this exquisite area located minutes away from 17-92 Road to easy acces to Davenport and Haines CityThis exceptional home combines comfort, elegance, and location — the perfect place to call home.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,445
Sqft
0.17 ac
Lot size
2
Garage
2021
Year built
One
Levels
$197
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.
$2,304 /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
$2,304/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
+5.6%
$/sqft vs Poinciana actives
$197 vs $181
Days on market
1 vs 21 typical
Where $197/sqft sits among the 198 Poinciana 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.
Where it sits
Inside Lake Marion Village
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Poinciana. See the full Poinciana guide →
Lake Marion Village — neighborhood snapshot
Population
11,407
Median age
42
Median income
$49,898
Median home value
$208,705
Avg household
3
Households w/ children
1,676
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Poinciana market
$298K → $285K
Poinciana median sold, yr/yr
98.1%
Sale-to-list ratio (12 mo)
49 of 198
Poinciana actives have cut their price
Median sold price, Poinciana, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 30% above the POINCIANA 34759 median. See the full Poinciana market guide →
Paper trail
This home's history
Reality check
What actually sold near 320 ST CLOUD ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$190,000
256 GROUPER COURT
4 bd · 2 ba · 1,427 sqft · $133/sqft · 91 DOM
Sold · Dec ’25$274,900
10 SAWFISH COURT
3 bd · 2 ba · 1,401 sqft · $196/sqft · 8 DOM
Sold · Feb ’26$274,900
58 HERRING COURT
3 bd · 2 ba · 1,401 sqft · $196/sqft · 28 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 320 ST CLOUD ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 320 ST CLOUD ROAD — 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
320 ST CLOUD ROAD FAQs
What would the monthly payment be for 320 ST CLOUD ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,304/mo — principal and interest, the actual property-tax bill, the $100/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 320 ST CLOUD ROAD?+
The association fee works out to $100 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 320 ST CLOUD ROAD?+
The most recent tax bill on record (2025) was $2,884. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 320 ST CLOUD ROAD?+
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 Poinciana?+
At $285,000, this home is listed about 2% below the Poinciana median of $289,990. The market section on this page shows how the area is trending.
Which schools are assigned to 320 ST CLOUD ROAD?+
Laurel Elementary School (elementary), Lake Marion Creek Middle School (middle), Haines City Senior High School (high) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of AXEN REALTY, LLC · William Benitez. MLS #S5155318.
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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