3660 DAYDREAM PLACE, ST CLOUD, FL, 34772
Active209 days on marketListed Dec 26, 2025MLS #S5140575
About this home
3660 DAYDREAM PLACE
One or more photo(s) has been virtually staged. Grand from the first step — a soaring two-story entryway and sweeping staircase open to a home where a stunning cherry-and-granite kitchen and a generous primary suite take center stage, all backed by the peace of mind of a new 2023 roof and 2025 AC. Warm laminate wood flooring flows across the main living areas, while ceramic tile anchors the kitchen and baths — a polished, cohesive canvas ready for the life you'll build here. A convenient guest bath and a dedicated laundry room with utility sink handle the everyday, so nothing slows you down. The kitchen is where this home truly shows off. Rich cherry cabinetry with decorative glass doors frames sparkling stainless steel appliances and expansive granite countertops. Gather at the breakfast bar, sip your morning coffee in the sun-filled eating nook overlooking the backyard, or open the space up for entertaining — it connects effortlessly to the main living areas, ready for everything from quiet evenings to weekend crowds. Upstairs is a private retreat for everyone. All four bedrooms live above the main floor, tucked away from the day-to-day bustle below — and the three secondary bedrooms are each generously oversized, offering rare flexibility for guest space, a home office, or a gym. The primary suite is the crown jewel: double doors open to a spacious retreat beneath an elegant tray ceiling, complete with a walk-in closet and a spa-worthy ensuite featuring dual sinks, a vanity desk, a deep soaking tub, an oversized walk-in shower, and a private water closet. Then there's the outdoors — an extension of the living space, not an afterthought. Relax on the screened porch or the extended patio beneath mature shade trees, all wrapped in the privacy of a fully fenced yard with crisp white vinyl fencing. The three-car garage brings serious storage and parking flexibility, complete with a Tesla charger, and a new 2023 roof and new AC in 2025 delivers lasting peace of mind. Just beyond, community amenities including a large pool and children's playground complete the picture. Space, style, and substance in all the right places — ready to be enjoyed from day one. Schedule your private showing today.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,478
Sqft
0.17 ac
Lot size
3
Garage
2006
Year built
Two
Levels
$167
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.
$3,425 /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
$3,425/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
−2.4%
$/sqft vs St Cloud actives
$167 vs $221
Days on market
209 vs 33 typical
Where $167/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 Esprit, 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
$43,417/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 Saint Cloud short-term market
▼ Softening44%
Occupancy
▼ 9% yr/yr
$182
Avg nightly rate
▼ 21% yr/yr
$19K/yr
Revenue per listing
$84
RevPAR
38 days
Booking lead time
4.9 nights
Avg stay
4
Typical min nights
58
Active rentals
▲ 14% supply
Seasonality — monthly occupancy
Peaks at 54% in Feb · bottoms at 36% in May
Last 12 months of data, January–December, bars scaled to the seasonal peak. Market-wide averages across all home sizes in Saint Cloud — the projection above is specific to this home’s size.
Where it sits
Inside Esprit
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Esprit is a short-term-rental community. See the full 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)
192 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 12% 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 3660 DAYDREAM PLACE
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$435,000
3772 MOON DANCER PLACE · same community
4 bd · 2.5 ba · 2,541 sqft · $171/sqft · 12 DOM
Sold · Jun ’26$423,000
3657 DAYDREAM PLACE · same community
4 bd · 3 ba · 2,639 sqft · $160/sqft · 13 DOM
Sold · Jan ’26$418,000
3703 MOON DANCER PLACE · same community
4 bd · 3 ba · 2,190 sqft · $191/sqft · 26 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 3660 DAYDREAM PLACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3660 DAYDREAM PLACE — 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
3660 DAYDREAM PLACE FAQs
What would the monthly payment be for 3660 DAYDREAM PLACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,425/mo — principal and interest, the actual property-tax bill, the $84/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 3660 DAYDREAM PLACE?+
The association fee works out to $84 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3660 DAYDREAM PLACE?+
The most recent tax bill on record (2024) was $6,649. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 3660 DAYDREAM PLACE be rented short-term?+
Yes — this home sits inside Esprit, 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 3660 DAYDREAM PLACE?+
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 $415,000, this home is listed about 2% 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 3660 DAYDREAM PLACE?+
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.
The brief
Four things that matter here
01Positioned at the premium end
$415,000 runs 12% above the ST CLOUD 34772 median — but at 2,478 sqft it's also 25% larger than the typical St Cloud listing.
02Zoned for nightly rentals
Esprit 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
209 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 $450,000, now $415,000 — a $35K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LA ROSA REALTY LLC · Irena Aistrop. MLS #S5140575.
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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