2236 SUMMER RAYE COURT, ST CLOUD, FL, 34772
Active52 days on marketListed Jun 7, 2026MLS #O6412161
About this home
2236 SUMMER RAYE COURT
Pond-front Sweetwater Creek home with a newer roof, brand-new water heater, low annual HOA, and no CDD. This single-story 3-bedroom, 2-bath home offers 2,108 sq ft, a split-bedroom layout, vaulted ceilings, abundant natural light, and a screened lanai overlooking the water. The spacious kitchen features a center island with cooktop, double ovens, built-in microwave, breakfast bar, pull-out shelving, and generous workspace, opening directly to the family room with a wood-burning fireplace. A formal flex room adds versatility for dining, office, or secondary living space. The private primary suite includes direct lanai access, a large walk-in closet, dual vanities, separate shower, and jetted tub. Conveniently located near the Florida Turnpike, shopping, dining, area lakes, Lake Nona, and Orlando International Airport. Spacious backyard with potential for a future pool; buyer to verify.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,108
Sqft
0.21 ac
Lot size
2
Garage
2003
Year built
One
Levels
$185
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.
$2,824 /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
$2,824/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
−3.6%
$/sqft vs St Cloud actives
$185 vs $219
Days on market
52 vs 33 typical
Where $185/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)
193 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 5% 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 2236 SUMMER RAYE COURT
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$415,000
2231 SUMMER RAYE COURT · same community
3 bd · 2 ba · 2,112 sqft · $196/sqft · 13 DOM
Sold · Apr ’26$445,000
2241 SUMMER RAYE COURT · same community
3 bd · 2 ba · 1,798 sqft · $247/sqft · 24 DOM
Sold · Dec ’25$390,000
1292 HILLTOP PL, Saint Cloud FL 34772
4 bd · 2 ba · 2,092 sqft · $186/sqft · 33 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
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2236 SUMMER RAYE COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2236 SUMMER RAYE COURT — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
2236 SUMMER RAYE COURT FAQs
What would the monthly payment be for 2236 SUMMER RAYE COURT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,824/mo — principal and interest, the actual property-tax bill, the $26/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 2236 SUMMER RAYE COURT?+
The association fee works out to $26 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2236 SUMMER RAYE COURT?+
The most recent tax bill on record (2025) was $2,039. 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 2236 SUMMER RAYE COURT?+
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 $389,999, this home is listed about 8% 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 2236 SUMMER RAYE COURT?+
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 RE/MAX TOWN CENTRE · David Sanchez. MLS #O6412161.
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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