3204 OXBOW CT, ST CLOUD, FL, 34773
Active150 days on marketListed Feb 19, 2026MLS #S5144242
About this home
3204 OXBOW CT
Check it Out! Welcome home to this beautifully maintained 4-bedroom, 3-bathroom home built in 2022, located in a gated golf course community and zoned for the sought-after Harmony neighborhood schools. This one-owner home sits on a premium lot with a fully fenced backyard that backs up to privacy—perfect for relaxing evenings, pets, or playtime. From the moment you arrive, you’ll notice the attention to detail, with paver driveway and porches, plantation shutters, crown molding throughout the 1st floor, gutters and a whole-house water system already in place. Inside, the open and functional layout includes a flex room and full bathroom on the main floor—ideal for guests, a home office, or even a playroom. The gourmet kitchen is a true highlight, featuring stainless steel appliances, quartz countertops, and plenty of space for cooking, hosting, and gathering. Upstairs, all bedrooms are conveniently located near the spacious laundry room, keeping chores simple and organized. Whether you're looking for comfort, style, or convenience, this home checks all the boxes. You’ll be just minutes from the beaches and less than an hour to Orlando’s theme parks and international airport—giving you the best of both Florida fun and everyday practicality. Don’t miss your chance to own a move-in-ready home in a great location with top-rated schools!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,361
Sqft
0.11 ac
Lot size
2
Garage
2022
Year built
Two
Levels
$191
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.
$3,600 /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
$3,600/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
−0.4%
$/sqft vs St Cloud actives
$191 vs $221
Days on market
150 vs 33 typical
Where $191/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
Get to know St Cloud. See the full St Cloud guide →
ST CLOUD 34773 — neighborhood snapshot
Population
5,495
Median age
38.2
Median income
$64,498
Median home value
$312,500
Avg household
3.06
Households w/ children
629
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)
188 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 43% above the ST CLOUD 34773 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 3204 OXBOW CT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$430,000
3345 SAGEBRUSH STREET
3 bd · 3 ba · 2,355 sqft · $183/sqft · 75 DOM
Sold · Oct ’25$446,500
3397 SAGEBRUSH STREET
3 bd · 3 ba · 2,355 sqft · $190/sqft · 124 DOM
Sold · Jan ’26$399,332
3325 PRIMROSE WILLOW DRIVE
4 bd · 2.5 ba · 2,382 sqft · $168/sqft · 150 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 3204 OXBOW CT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3204 OXBOW CT — 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
3204 OXBOW CT FAQs
What would the monthly payment be for 3204 OXBOW CT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,600/mo — principal and interest, the actual property-tax bill, the $87/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 3204 OXBOW CT?+
The association fee works out to $87 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3204 OXBOW CT?+
The most recent tax bill on record (2024) was $6,065. 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 3204 OXBOW CT?+
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 $449,900, this home is listed about 6% 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 3204 OXBOW CT?+
Harmony High School (high), Harmony Community School (elementary), Narcoossee Middle School (middle) — Osceola County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$449,900 runs 43% above the ST CLOUD 34773 median — but at 2,361 sqft it's also 19% larger than the typical St Cloud listing.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
150 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Harmony High School, Harmony Community School, Narcoossee Middle School — Harmony Community School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $469,000, now $449,900 — a $19K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of TIE TEAM REALTY LLC · Chris Woeste. MLS #S5144242.
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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