3425 PERCHING ROAD, ST CLOUD, FL, 34772
Active112 days on marketListed Mar 29, 2026MLS #S5146367
About this home
3425 PERCHING ROAD
Virtually Staged. Spacious 5-Bedroom Home with Modern Upgrades & Prime Location! Welcome to this beautiful 2-story, 5-bedroom, 3.5-bath home offering the perfect blend of space, comfort, and convenience. From the moment you step inside, you’re greeted by a bright, open floor plan featuring a formal living and dining room—ideal for entertaining guests or hosting family gatherings. The heart of the home is a new large gourmet kitchen, complete with a center island, updated finishes, and plenty of room to cook and gather. The kitchen overlooks a cozy eat-in dining area and a spacious family room, creating a seamless flow for everyday living. Upstairs, you’ll find a versatile loft space—perfect for a home office, media room, or play area—along with generously sized bedrooms to accommodate everyone comfortably. Recent Updates Include: New A/C (2023), New Water Heater (2023),Roof replaced in 2019. Step outside and enjoy Florida living at its best with a large fenced backyard, a covered screened lanai, and a welcoming covered front screened porch—perfect for relaxing mornings or evening gatherings. Prime Location: Just minutes from the Turnpike, offering easy access to Orlando International Airport, Lake Nona, shopping, dining, and commuting routes. This home truly has it all—space, style, and location. Don’t miss your opportunity to make it yours!
Facts & features
The home at a glance
5
Bedrooms
3.5
Bathrooms
3,031
Sqft
0.17 ac
Lot size
2
Garage
2006
Year built
Two
Levels
$139
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.
$3,170 /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
$3,170/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
−21.3%
$/sqft vs St Cloud actives
$139 vs $221
Days on market
112 vs 33 typical
Where $139/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)
188 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 13% 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 3425 PERCHING 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$405,000
3325 PEKIN STREET · same community
4 bd · 2.5 ba · 2,885 sqft · $140/sqft · 74 DOM
Sold · Sep ’25$349,900
3310 PEKIN STREET · same community
3 bd · 2 ba · 1,601 sqft · $219/sqft · 39 DOM
Sold · Oct ’25$415,000
6005 COAL COURT
4 bd · 3 ba · 3,029 sqft · $137/sqft · 110 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 3425 PERCHING ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3425 PERCHING ROAD — 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
3425 PERCHING ROAD FAQs
What would the monthly payment be for 3425 PERCHING ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,170/mo — principal and interest, the actual property-tax bill, the $61/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 3425 PERCHING ROAD?+
The association fee works out to $61 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3425 PERCHING ROAD?+
The most recent tax bill on record (2025) was $3,491. 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 3425 PERCHING 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 $419,900, this home is listed about 1% 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 3425 PERCHING ROAD?+
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
Four things that matter here
01Positioned at the premium end
$419,900 runs 13% above the ST CLOUD 34772 median — but at 3,031 sqft it's also 53% larger than the typical St Cloud listing.
02City & Garden views
The city and garden view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
112 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $439,900, now $419,900 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of NONA LEGACY POWERED BY LA ROSA · Norquy Pagan. MLS #S5146367.
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.
Never miss a listing
New St Cloud homes, in your inbox
Like 3425 PERCHING ROAD but not quite? A daily digest of every new listing in St Cloud — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Kat to ping you on any price or status change →