3364 CELENA CIRCLE, ST CLOUD, FL, 34772
Active5 days on marketListed Jul 15, 2026MLS #S5153340
About this home
3364 CELENA CIRCLE
MOVE IN READY!! Beautiful, spacious, 2 bedroom 2 bath one story, one car garage Town home, 1,257 sq. ft. of living space, Large spacious bedrooms, ceramic tile, utility room, Large screened covered patio with pond view, and two additional parking spaces. Great location near your in-town shopping, hospital, medical offices, schools, St Cloud Civic Center (Pool facility) and St Cloud Senior Community Center. Also, close and easy access to major roadways HWY 192 and the Florida Turnpike. All in a beautifully landscaped private community with a Pool and Cabana to enjoy!!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,257
Sqft
0.05 ac
Lot size
1
Garage
2004
Year built
One
Levels
$2
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$174 /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
$174/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
$/sqft vs St Cloud actives
$2 vs $221
Days on market
5 vs 33 typical
Where $2/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
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)
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 99% 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 3364 CELENA CIRCLE
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$277,500
3421 VILLAGE GREEN COURT
2 bd · 2 ba · 1,257 sqft · $221/sqft · 133 DOM
Sold · Aug ’25$269,900
3449 VILLAGE GREEN COURT
2 bd · 2 ba · 1,257 sqft · $215/sqft · 130 DOM
Sold · Sep ’25$264,000
3404 VILLAGE GREEN COURT
2 bd · 2 ba · 1,257 sqft · $210/sqft · 25 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 3364 CELENA CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3364 CELENA 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
3364 CELENA CIRCLE FAQs
What would the monthly payment be for 3364 CELENA CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $174/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 3364 CELENA CIRCLE?+
The listing reports pets: No. 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 $2,000, this home is listed about 100% 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 3364 CELENA 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.
Keep looking
Similar homes nearby
Listing courtesy of AMERICAS PROPERTIES & REALTY · Carlos Diaz. MLS #S5153340.
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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