3634 DOE RUN DRIVE, ST CLOUD, FL, 34772
Active140 days on marketListed Mar 4, 2026MLS #S5144921
About this home
3634 DOE RUN DRIVE
Welcome to this beautifully updated 5-bedroom, 2-bath home in the desirable Deer Creek community. Situated on nearly half an acre and backing up to a peaceful conservation area with no rear neighbors. This house is conveniently located within walking distance from Canoe Creek k-8, which is an A-rated K-8 school. Designed with both comfort and functionality in mind, the spacious open floor plan provides plenty of room for everyday living and entertaining. The remodeled kitchen serves as the heart of the home, featuring modern finishes, abundant cabinetry, and a large center island perfect for gathering with family and friends. Major updates completed within the last three years include a new roof, new fencing, a fully renovated kitchen, an updated primary bathroom, and a refreshed laundry room, giving buyers peace of mind and move-in-ready convenience. A spacious 2-car garage provides ample room for vehicles, storage, or a workshop area. With its generous living space, extensive updates, oversized lot, and private conservation views, this home offers the perfect combination of style, comfort, and location.
Facts & features
The home at a glance
5
Bedrooms
2
Bathrooms
2,247
Sqft
0.41 ac
Lot size
2
Garage
2006
Year built
One
Levels
$196
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.
$3,435 /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
$3,435/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
+14%
Days on market
140 vs 33 typical
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 Deer Creek
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Cloud. See the full St Cloud guide →
Deer Creek — neighborhood snapshot
Population
2,581
Median age
40
Median income
$95,082
Median home value
$355,000
Avg household
4
Households w/ children
308
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)
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 19% above the ST CLOUD 34772 median. See the full St Cloud market guide →
Paper trail
This home's history
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 3634 DOE RUN DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3634 DOE RUN DRIVE — 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
3634 DOE RUN DRIVE FAQs
What would the monthly payment be for 3634 DOE RUN DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,435/mo — principal and interest, the actual property-tax bill, the $47/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 3634 DOE RUN DRIVE?+
The association fee works out to $47 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3634 DOE RUN DRIVE?+
The most recent tax bill on record (2025) was $5,331. 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 3634 DOE RUN DRIVE?+
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 $439,900, this home is listed about 4% 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 3634 DOE RUN DRIVE?+
St. Cloud Middle School (middle), Hickory Tree Elementary School (elementary), 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
$439,900 runs 19% above the ST CLOUD 34772 median.
02Time on market is leverage
140 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 $469,000, now $439,900 — a $29K cut. The full history is in the market section below.
Listing courtesy of TIE TEAM REALTY LLC · Joseph Collins. MLS #S5144921.
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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