2856 ELIO HAMMOCK DRIVE, ST CLOUD, FL, 34773
Active87 days on marketListed Apr 28, 2026MLS #O6402889
About this home
2856 ELIO HAMMOCK DRIVE
Inside this beautiful 5-bedroom, 3-bathroom home, you'll find 2,077 square feet of comfortable living. The living area is an open concept, where your kitchen, living, and dining areas blend seamlessly into a space perfect for everyday living and entertaining. The kitchen features modern cabinets, quartz countertops, and sleek stainless-steel appliances. You'll never be too far from the action with the living and dining area right there. Find RevWood Select Flooring throughout a majority of the home including the family room, primary bedroom, kitchen, bathrooms, laundry and foyer. The primary bedroom has its own attached bathroom that features a walk-in closet and all the space you need to get ready in the morning. Privacy is guaranteed with a separate door for the toilet and shower. *Photos are of similar model but not that of exact house. Pictures, photographs, colors, features, and sizes are for illustration purposes only and will vary from the homes as built. Home and community information including pricing, included features, terms, availability and amenities are subject to change and prior sale at any time without notice or obligation. Please note that no representations or warranties are made regarding school districts or school assignments; you should conduct your own investigation regarding current and future schools and school boundaries.*
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
2,077
Sqft
0.13 ac
Lot size
2
Garage
2025
Year built
One
Levels
$202
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.
$3,127 /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
$3,127/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
−8.7%
$/sqft vs HARMONY WEST
$202 vs $219
Days on market
87 vs 33 typical
Where $202/sqft sits among the 29 homes for sale in HARMONY WEST
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 34773 — neighborhood snapshot
Population
5,495
Median age
38.2
Median income
$64,498
Median home value
$312,500
Avg household
3.06
Households w/ children
629
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)
23 of 29
HARMONY WEST have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 38% above the ST CLOUD 34773 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 2856 ELIO HAMMOCK DRIVE
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$399,990
2809 HOUSE FINCH ROAD · same community
4 bd · 2 ba · 1,828 sqft · $219/sqft · 62 DOM
Sold · Jan ’26$399,990
2804 HOUSE FINCH ROAD · same community
4 bd · 2 ba · 1,828 sqft · $219/sqft · 12 DOM
Sold · Jun ’26$419,990
3085 HOUSE FINCH ROAD · same community
4 bd · 2 ba · 1,828 sqft · $230/sqft · 47 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 2856 ELIO HAMMOCK DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2856 ELIO HAMMOCK DRIVE — 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
2856 ELIO HAMMOCK DRIVE FAQs
What would the monthly payment be for 2856 ELIO HAMMOCK DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,127/mo — principal and interest, the actual property-tax bill, the $44/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 2856 ELIO HAMMOCK DRIVE?+
The association fee works out to $44 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2856 ELIO HAMMOCK DRIVE?+
The most recent tax bill on record (2025) was $3,183. 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 2856 ELIO HAMMOCK DRIVE?+
The listing reports pets: Cats OK, Dogs OK. 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 $419,990, 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 2856 ELIO HAMMOCK DRIVE?+
Harmony High School (high), Harmony Community School (elementary), Narcoossee 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
$419,990 runs 38% above the ST CLOUD 34773 median.
02Time on market is leverage
87 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Harmony High School, Harmony Community School, Narcoossee Middle School — Harmony Community School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $430,990, now $419,990 — a $11K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of DR HORTON REALTY OF CENTRAL FLORIDA LLC · Stephen Cline. MLS #O6402889.
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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