3471 ALLEGRA CIRCLE, ST CLOUD, FL, 34772
Active121 days on marketListed Mar 25, 2026MLS #O6392790
About this home
3471 ALLEGRA CIRCLE
Welcome to 3471 Allegra Circle in St. Cloud, an end-unit townhome that checks boxes most buyers can’t find in one place—privacy, natural light, and smart layout. End units don’t come up often, and this one delivers with extra windows, fewer shared walls, and a more open feel throughout. Inside, you’ll find laminate and tile flooring across the main level, creating a clean, low-maintenance space that’s built for real life. The kitchen is positioned perfectly for both function and flow, featuring light wood cabinetry, stainless steel appliances, and a window overlooking the courtyard—bringing in natural light where it matters most. Upstairs, all bedrooms are tucked away for privacy. The primary suite stands out with dual sinks, a garden tub, walk-in shower, and private water closet—a layout that gives you space to actually use. Secondary bedrooms offer flexibility for guests, office space, or everyday living. 1-car garage. Community pool. Low-maintenance lifestyle. End unit. Strong layout. Built-in savings. This is the one buyers are waiting for—schedule your showing before someone else locks it down.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,560
Sqft
0.05 ac
Lot size
1
Garage
2007
Year built
Two
Levels
$122
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.
$2,193 /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
$2,193/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
−32.2%
$/sqft vs St Cloud actives
$122 vs $221
Days on market
121 vs 33 typical
Where $122/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.
Where it sits
Inside St Cloud
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Cloud. See the full St Cloud 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)
194 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 49% 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 3471 ALLEGRA CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$239,900
3462 ALLEGRA CIRCLE · same community
3 bd · 2.5 ba · 1,596 sqft · $150/sqft · 28 DOM
Sold · Jun ’26$300,000
2523 BOBBY LEE LANE
3 bd · 2 ba · 1,522 sqft · $197/sqft · 6 DOM
Sold · Sep ’25$345,000
3633 BRISTOL COVE LANE
3 bd · 2 ba · 1,652 sqft · $209/sqft · 94 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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3471 ALLEGRA CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3471 ALLEGRA CIRCLE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
3471 ALLEGRA CIRCLE FAQs
What would the monthly payment be for 3471 ALLEGRA CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,193/mo — principal and interest, the actual property-tax bill, the $402/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 3471 ALLEGRA CIRCLE?+
The association fee works out to $402 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3471 ALLEGRA CIRCLE?+
The most recent tax bill on record (2025) was $5,143. 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 3471 ALLEGRA 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 $190,000, this home is listed about 55% 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 3471 ALLEGRA 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
$190,000 is 49% below the ST CLOUD 34772 median of $370,000, and at $122/sqft it sits under the St Cloud average of $236.
02Time on market is leverage
121 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $245,000, now $190,000 — a $55K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MARK SPAIN REAL ESTATE · Michelle Forbes. MLS #O6392790.
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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