2400 SYMPHONY CIRCLE, ST CLOUD, FL, 34771
Active94 days on marketListed Apr 16, 2026MLS #O6400032
About this home
2400 SYMPHONY CIRCLE
Luxury Active Adult Gated Community of Serenity Reserve! opportunity to be an owner in this amazing 55+ home. This artist rendering features the Sonata II master suites, a 2nd & 3rd bedroom, and 3.5 baths. Every bedroom has a full bath & a walk-in closet. Quartz counters in kitchen, central island with sink, and baths, energy-efficient stainless steel appliances, 43" cabinets, 12 ft. ceilings and 8 ft. doors. Modern pendant lights contribute to the overall ambiance of the kitchen, creating a visually appealing and comfortable space. The kitchen is enhanced by a stylish backsplash that adds both visual appeal and everyday functionality. Painted Garage Floor and Custom Landscaping. All add to the beauty of this home. The concept of an open floor with porcelain tile is used in all wet areas. This lovely bright and airy floorplan is excellent for Florida living! The exterior features tile roof & paver brick driveway. . How about enjoying your morning cup of coffee on your Screened Rear Lanai with two exterior patios. You will appreciate the difference in this World Class Community. Serenity Reserve offers a spacious, Luxurious 4,200-plus square feet full-service clubhouse; an indoor Banquet Hall and dining room that seats over 120 guests! A fully equipped fitness center and yoga meditation Studio! You will also enjoy the outdoor covered lounge area seating over 80 guests and an expansive resort-style heated pool. This move-in-ready home is located just minutes from Lake Nona and the highly acclaimed Medical City! Having the convenience of the Orlando International Airport. Restaurants and shopping are a hop, skip, and jump from the community. If you're looking for a community that offers all of the in-home luxuries as well as outdoor activities, then this home is ideal for you. Downsize Your Responsibility… Not Your Lifestyle at Serenity Reserve.
Facts & features
The home at a glance
3
Bedrooms
3.5
Bathrooms
2,148
Sqft
0.19 ac
Lot size
2
Garage
2022
Year built
One
Levels
$261
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.
$4,669 /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
$4,669/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
+20%
$/sqft vs St Cloud actives
$261 vs $221
Days on market
94 vs 33 typical
Where $261/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.
The investor lens
Two ways this home pays
This home sits inside Serenity, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental · projected
$42,039/yr gross
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,369/mo median
Live St Cloud rental listing data — this home’s rate depends on size, condition and furnishing.
The Florida short-term market
▼ Softening40%
Occupancy
▼ 45% yr/yr
$154
Avg nightly rate
▲ 8% yr/yr
$14K/yr
Revenue per listing
$62
RevPAR
29 days
Booking lead time
5.8 nights
Avg stay
7
Typical min nights
43
Active rentals
▼ 12% supply
Seasonality — monthly occupancy
Peaks at 53% in Mar · bottoms at 26% in May
Last 12 months of data, January–December, bars scaled to the seasonal peak. Market-wide averages across all home sizes in Florida — the projection above is specific to this home’s size.
Where it sits
Inside Serenity
Drive times from this address
Serenity is a short-term-rental community. See the full guide →
ST CLOUD 34771 — neighborhood snapshot
Population
31,368
Median age
38.6
Median income
$101,434
Median home value
$427,500
Avg household
3.21
Households w/ children
4,183
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 32% above the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 2400 SYMPHONY 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$620,000
2335 SYMPHONY CIRCLE · same community
3 bd · 3.5 ba · 2,625 sqft · $236/sqft · 43 DOM
Sold · Sep ’25$490,000
940 RIMINI DRIVE
4 bd · 2.5 ba · 2,185 sqft · $224/sqft · 14 DOM
Sold · Jun ’26$400,000
5196 APPENINE LOOP E
4 bd · 2 ba · 2,092 sqft · $191/sqft · 120 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2400 SYMPHONY CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2400 SYMPHONY CIRCLE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
2400 SYMPHONY CIRCLE FAQs
What would the monthly payment be for 2400 SYMPHONY CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,669/mo — principal and interest, the actual property-tax bill, the $365/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 2400 SYMPHONY CIRCLE?+
The association fee works out to $365 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2400 SYMPHONY CIRCLE?+
The most recent tax bill on record (2025) was $7,197. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 2400 SYMPHONY CIRCLE be rented short-term?+
Yes — this home sits inside Serenity, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 2400 SYMPHONY CIRCLE?+
The listing reports pets: Breed Restrictions. 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 $560,000, this home is listed about 32% above the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2400 SYMPHONY CIRCLE?+
Lakeview Elementary School (elementary), Narcoossee Middle School (middle), Harmony High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$560,000 runs 32% above the ST CLOUD 34771 median.
02Zoned for nightly rentals
Serenity is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03Time on market is leverage
94 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of JASON MITCHELL REAL ESTATE FLO · Romesh Panchal. MLS #O6400032.
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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