Eric Chery
$445,000$465,0005 bd2.5 ba2,518 sqft$177 /sqft$3,043 /mo all-in ↓

3534 CAYUGAS LOOP, ST CLOUD, FL, 34772

Active37 days on marketListed Jun 12, 2026MLS #S5151714

Reduced $20KSingle Family ResidenceMALLARD POND PH 4B

About this home

3534 CAYUGAS LOOP

This stunning and well-maintained 5-bedroom, 2.5-bath residence is conveniently situated near shopping centers, restaurants, medical facilities, grocery stores, major roadways and more. Upon approaching the home, you will notice the low-maintenance landscaping and the immaculate lawn, both in pristine condition. Additionally, the exterior has recently undergone meticulous painting. As you enter through the front door, you will be greeted by a newly painted interior, in neutral tones which compliments the tile flooring throughout the house. The formal living and dining room combination offers an abundance of space and has lots of natural light from the large windows with designer Zebra Blinds. Continuing through the home, you will observe the three-way split layout. The front area features an office that can easily serve as a bedroom, along with ample storage closets and a convenient half bath. The primary bedroom is located at the rear of the house, ensuring privacy, as the other three bedrooms and a guest bath are situated on the opposite side. The primary suite includes its own bathroom, complete with a stand-up shower, a separate soaking tub, dual sinks, a private water closet, and a generously sized walk-in closet. As you explore further, you will appreciate the crown molding that adorns the home, adding an elegant touch and a water softener for improved quality of water. The kitchen is equipped with stainless steel appliances, 42-inch cabinets, an attractive backsplash, a large island with seating for stools, a deep pantry closet, and an additional storage area. There is also ample space in the kitchen for a sizable dining table and chairs. From the family room, you can access the yard through sliding glass doors, leading to an enclosed lanai that overlooks a magnificent pond. The fully fenced yard allows for unobstructed enjoyment of the breathtaking view. To enhance your outdoor experience, a large solid wood pergola is pre-wired for garden lights, a fan, and/or a TV, providing ample space for a barbecue grill and outdoor furniture. This home is perfect for entertaining, offering a seamless blend of indoor and outdoor living. This residence is a must-see because of its attractive appeal and prime location. In addition to being near entertainment options, it is approximately a 40-minute drive to Orlando International Airport and the VSA Medical City in Lake Nona. Moreover, let us not overlook Mickey Mouse, who is also just a short drive away :) Arrange your appointment today; this home will not disappointed!

Facts & features

The home at a glance

5

Bedrooms

2.5

Bathrooms

2,518

Sqft

0.21 ac

Lot size

2

Garage

2015

Year built

One

Levels

$177

Per sqft

Water viewNegotiablePets allowed

Inside

FlooringCarpet · Ceramic Tile
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer · Water Softener
InteriorCeiling Fan(s) · Crown Molding · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Split Bedroom · Stone Counters · Walk-In Closet(s)
LaundryInside
CoolingCentral Air
HeatingCentral
FurnishedNegotiable

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
ViewWater
FacesSouth
ExteriorLighting · Private Mailbox · Rain Gutters · Sidewalk · Sliding Doors

Community & fees

HOA fee$66/mo
Taxes (2025)$4/yr
PetsYes

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available
WaterPublic

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.

$3,043 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,620
FHA mortgage insurance (est.)$197
Property tax — 2025 actual bill$0
HOA fee — from the listing$66
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $15,575Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $15,575
Interest rate6.00%
Loan term

Estimated payment

$3,043/mo

Principal & interest$2,620
FHA mortgage insurance (est.)$197
Property taxes (actual bill)$0
HOA / condo fee$66
Est. insurance$160

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.

List $445K
$396KedgeAI estimate $419,574 · range $412K$438K$463K

vs edgeAI estimate

+6.1%

$/sqft vs St Cloud actives

$177 vs $220

Days on market

37 vs 33 typical

Where $177/sqft sits among the 400 St Cloud actives

101 · this home
126
86
38
15
34
$156–192$192–228$228–263$263–299$299–335$335+

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

Map of 3534 CAYUGAS LOOP inside its neighborhood boundary

Drive times from this address

Orlando Int’l Airport (MCO)33 min
Universal Orlando37 min
Downtown Orlando39 min
Walt Disney World42 min

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

ElementarySt. Cloud Elementary School★★★★★
HighSt. Cloud High School★★★★★
MiddleNeptune Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The St Cloud market

Seller’s marketBalanced6.2 months of inventoryBuyer’s market

$414K$400K

St Cloud median sold, yr/yr

98.4%

Sale-to-list ratio (12 mo)

187 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 20% above the ST CLOUD 34772 median. See the full St Cloud market guide →

Paper trail

This home's history

CurrentPrice reduced to $445,000 $20K
Jun 12, 2026Listed at $465,000 · 37 days on market since
2015Built · MALLARD POND PH 4B

Reality check

What actually sold near 3534 CAYUGAS LOOP

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

3548 CAYUGAS LOOPSold · Jun ’26

$380,000

3548 CAYUGAS LOOP · same community

5 bd · 3 ba · 2,518 sqft · $151/sqft · 55 DOM

3504 CAYUGAS LOOPSold · Oct ’25

$412,000

3504 CAYUGAS LOOP · same community

4 bd · 2 ba · 2,317 sqft · $178/sqft · 103 DOM

3550 SAXONY LANESold · 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.

Eric Chery

Your agent

Eric Chery

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 3534 CAYUGAS LOOP — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3534 CAYUGAS LOOP — 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.

Goes straight to Eric’s phone and CRM.

Straight answers

3534 CAYUGAS LOOP FAQs

What would the monthly payment be for 3534 CAYUGAS LOOP?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,043/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 3534 CAYUGAS LOOP?+

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 3534 CAYUGAS LOOP?+

The most recent tax bill on record (2025) was $4. 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 3534 CAYUGAS LOOP?+

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 $445,000, this home is listed about 5% 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 3534 CAYUGAS LOOP?+

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

$445,000 runs 20% above the ST CLOUD 34772 median — but at 2,518 sqft it's also 27% larger than the typical St Cloud listing.

02Water views

The water view is part of what you're buying — views hold value independently of the structure.

03The price has already moved

Listed at $465,000, now $445,000 — a $20K cut. The full history is in the market section below.

Listing courtesy of CHARLES RUTENBERG REALTY ORLANDO · Aimee Cruz. MLS #S5151714.

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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