3605 CAPE COURT, ST CLOUD, FL, 34772
Active63 days on marketListed May 23, 2026MLS #S5150216
About this home
3605 CAPE COURT
Paid-off solar panels at closing, ideal multi-generational living, and an additional private second-floor suite with vinyl plank floors throughout make 3605 Cape Court in St. Cloud an absolute standout. Located in a prime neighborhood just off Canoe Creek Road, this beautifully maintained home offers the perfect blend of space, comfort, and versatility right where buyers see it first. Designed with functionality and everyday living in mind, this spacious residence features a thoughtfully designed split-bedroom floor plan and flexible living spaces ideal for multi-generational living, guests, working from home, or entertaining. Upstairs, you’ll find a private retreat complete with a bedroom, full bath with shower stall, closet, and sitting area — perfect as a guest room, a home office, media room, playroom, or lounge space. The first floor welcomes you with a formal living room connected to the front foyer, offering convenient access to the garage and the inside laundry room. The heart of the home is the stunning kitchen featuring 42” all-wood cabinetry, granite countertops, and a spacious breakfast bar that opens seamlessly into the large family room. Sliding doors lead to the screened back patio and private backyard, creating the ideal indoor-outdoor living experience. The primary suite, on the first floor, is privately situated on one side of the home, while the additional bedrooms are thoughtfully positioned throughout the home, including a cozy sitting area perfect for reading or relaxing. Outside, enjoy the oversized 3-car garage, spacious backyard, and stand-alone stone outdoor grill — perfect for gatherings and weekend entertaining. Additional highlights include abundant storage throughout and newly installed solar panels, offering an estimated savings of $350–$400 per month on electric costs. The Seller will pay off the Solar Lease at Closing. This exceptional home truly offers space, flexibility, and value all in one. Schedule your private showing today and discover everything 3605 Cape Court has to offer!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,547
Sqft
0.19 ac
Lot size
2
Garage
2014
Year built
Two
Levels
$157
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.
$3,282 /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
$3,282/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
−17%
$/sqft vs St Cloud actives
$157 vs $220
Days on market
63 vs 33 typical
Where $157/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
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
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)
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 8% 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 3605 CAPE COURT
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$370,000
3613 CAPE COURT · same community
4 bd · 2 ba · 1,820 sqft · $203/sqft · 25 DOM
Sold · Jul ’26$450,000
3622 CAPE COURT · same community
5 bd · 3 ba · 3,316 sqft · $136/sqft · 168 DOM
Sold · Oct ’25$429,400
3866 CABO ROJO DRIVE
4 bd · 3 ba · 2,565 sqft · $167/sqft · 67 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 3605 CAPE COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3605 CAPE 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
3605 CAPE COURT FAQs
What would the monthly payment be for 3605 CAPE COURT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,282/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 3605 CAPE COURT?+
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 3605 CAPE COURT?+
The most recent tax bill on record (2025) was $6,297. 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 3605 CAPE 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 $399,999, this home is listed about 6% 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 3605 CAPE COURT?+
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.
Keep looking
Similar homes nearby
Listing courtesy of CORCORAN CONNECT LLC · Michael Ault. MLS #S5150216.
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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