3510 HOOK BILL DRIVE, ST CLOUD, FL, 34772
Active74 days on marketListed May 6, 2026MLS #S5149263
About this home
3510 HOOK BILL DRIVE
Welcome to Mallard Pond where space, convenience, and upgrades come together! This beautifully maintained 2-story home sits on an oversized nearly 1/3-acre fully fenced lot and offers the ideal layout for everyday living and entertaining. Inside, you’ll find fresh interior and exterior paint, newer appliances, and a spacious open-concept downstairs floor plan featuring a family room, separate living room, full dining area, and a stunning oversized kitchen island that serves as the heart of the home. The brand-new sliding glass door fills the home with natural light and leads directly to the extended 29x11 screened rear porch and oversized backyard, creating the perfect indoor-outdoor flow for entertaining, pets, play, or future outdoor additions. Upstairs, all bedrooms and the laundry room are conveniently located alongside a versatile loft space perfect for a media room, office, or play area. Residents of Mallard Pond enjoy access to a community park while being conveniently located near the Florida Turnpike, shopping, grocery stores, dining, and everything St. Cloud living has to offer. *CLICK ON VIRTUAL TOUR LINK 2 FOR A 3-D WALKTHROUGH*
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,544
Sqft
0.3 ac
Lot size
2
Garage
2015
Year built
Two
Levels
$163
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.
$3,366 /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
$3,366/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
−8%
$/sqft vs St Cloud actives
$163 vs $221
Days on market
74 vs 33 typical
Where $163/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 Mallard Pond
Drive times from this address
Get to know St Cloud. See the full St Cloud guide →
Mallard Pond — neighborhood snapshot
Population
1,400
Median age
39
Median income
$94,697
Median home value
$352,507
Avg household
4
Households w/ children
146
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)
189 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 12% above the ST CLOUD 34772 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 3510 HOOK BILL DRIVE
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$380,000
3548 CAYUGAS LOOP · same community
5 bd · 3 ba · 2,518 sqft · $151/sqft · 55 DOM
Sold · Oct ’25$412,000
3504 CAYUGAS LOOP · same community
4 bd · 2 ba · 2,317 sqft · $178/sqft · 103 DOM
Sold · Mar ’26$395,000
3550 SAXONY LANE · same community
4 bd · 2 ba · 1,820 sqft · $217/sqft · 0 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 3510 HOOK BILL DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3510 HOOK BILL 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
3510 HOOK BILL DRIVE FAQs
What would the monthly payment be for 3510 HOOK BILL DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,366/mo — principal and interest, the actual property-tax bill, the $66/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 3510 HOOK BILL DRIVE?+
The association fee works out to $66 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3510 HOOK BILL DRIVE?+
The most recent tax bill on record (2025) was $6,242. 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 3510 HOOK BILL 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 $414,000, this home is listed about 3% 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 3510 HOOK BILL DRIVE?+
St. Cloud Elementary School (elementary), St. Cloud High School (high), Neptune Middle School (middle) — 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
$414,000 runs 12% above the ST CLOUD 34772 median — but at 2,544 sqft it's also 29% larger than the typical St Cloud listing.
02Time on market is leverage
74 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 $424,000, now $414,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of IRON VALLEY REAL ESTATE OSCEOLA · Tiffany Licata. MLS #S5149263.
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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