3837 ELK BLUFF ROAD, ST CLOUD, FL, 34772
Active24 days on marketListed Jun 30, 2026MLS #S5152566
Come see it
Upcoming open house
Sat, Jul 25
10:30 AM – 12:30 PM
About this home
3837 ELK BLUFF ROAD
TURN THE KEY AND START LIVING! This beautifully maintained 2023-built home offers 4 bedrooms, 2 bathrooms, and 1,696 heated square feet of move-in-ready living in the desirable Deer Run Estates community. Why wait for new construction when this like-new home is ready today? Step inside to an open-concept floor plan featuring engineered vinyl flooring throughout the living areas and bedrooms, tile flooring in the bathrooms and laundry room, and a stylish kitchen complete with granite countertops and all appliances included, including the washer and dryer. The split-bedroom layout provides privacy for the spacious primary suite, while three additional bedrooms offer flexibility for family, guests, or a home office. Enjoy the convenience of a 2-car garage and a partially fenced backyard with space to relax, entertain, or play. Conveniently located near shopping, dining, schools, Lake Nona, Orlando International Airport, and major roadways, this home offers comfort and convenience. As an added bonus, the seller is including a one-year home warranty with a full-price offer, providing added peace of mind. Schedule your private showing today!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,696
Sqft
0.14 ac
Lot size
2
Garage
2023
Year built
One
Levels
$242
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.
$3,231 /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
$3,231/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
+6.4%
$/sqft vs St Cloud actives
$242 vs $220
Days on market
24 vs 33 typical
Where $242/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
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
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)
196 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 11% 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 3837 ELK BLUFF ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$410,000
3966 AXIS VALLEY PLACE · same community
3 bd · 2 ba · 1,542 sqft · $266/sqft · 15 DOM
Sold · Oct ’25$389,128
3816 ELK BLUFF ROAD
4 bd · 2 ba · 1,696 sqft · $229/sqft · 0 DOM
Sold · Aug ’25$407,120
3823 PRONGHORN DRIVE
4 bd · 2 ba · 1,707 sqft · $239/sqft · 64 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
Tommy Trainer
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3837 ELK BLUFF ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3837 ELK BLUFF ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3837 ELK BLUFF ROAD FAQs
What would the monthly payment be for 3837 ELK BLUFF ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,231/mo — principal and interest, the actual property-tax bill, the $90/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 3837 ELK BLUFF ROAD?+
The association fee works out to $90 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3837 ELK BLUFF ROAD?+
The most recent tax bill on record (2025) was $4,635. 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 3837 ELK BLUFF ROAD?+
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 $409,999, this home is listed about 4% 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 3837 ELK BLUFF ROAD?+
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 WEICHERT REALTORS HALLMARK PRO · Michelle Geberth. MLS #S5152566.
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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