3481 MIDDLEBROOK PL, ST CLOUD, FL, 34773
Active94 days on marketListed Apr 17, 2026MLS #S5147896
About this home
3481 MIDDLEBROOK PL
Welcome to this stunning home built by Meritage Homes, featuring the highly sought after Montclair model! This energy efficient home offers block construction on the first floor and spray foam insulation on the second floor, providing both durability and comfort. Boasting 5 bedrooms, 2.5 bathrooms, and a 2-car garage, this beautifully designed residence seamlessly combines style and functionality. From the moment you arrive, you’ll be impressed by the attractive stone paver driveway and walkway, setting the tone for what awaits inside. Step into a thoughtfully designed floor plan featuring separate formal living and dining rooms at the front of the home, perfect for entertaining. The heart of the home is the spacious kitchen, complete with upgraded 42” wood cabinets, quartz countertops, stainless steel appliances, a range hood, recessed lighting, a cozy nook, and a large island overlooking the family room, ideal for open-concept living. The first floor also includes a versatile flex room, perfect for a home office, den, or playroom. Throughout the home, you’ll find no carpet featuring hardwood flooring on the first floor and new laminate flooring upstairs. Upstairs, enjoy a generous layout with all bedrooms plus a large game room, offering additional living and entertainment space. The owner’s suite is a private retreat, featuring a spacious walk-in closet and an en-suite bathroom with dual sinks, a garden tub, and a separate shower. Step outside to your fenced backyard oasis, complete with a covered rear porch, paver walkway, and a custom fire pit, perfect for relaxing evenings or entertaining guests. This exceptional Montclair model truly offers the perfect blend of elegance, comfort, and modern living. Don’t miss your opportunity to call this beautiful home yours! Don’t miss your opportunity to call this beautiful home yours! Ideally located near Harmony Community School, this home offers golf cart friendly access through a nearby tunnel to Harmony Middle and Harmony High School. Residents enjoy exceptional amenities including Buck Lake with community pontoon boats, kayaks, canoes, and a fishing pier, along with resort style pools, dog parks, playgrounds, walking trails, a fitness center, and bike paths. Enjoy easy golf cart rides to the neighborhood coffee shop, pizza restaurant, and Mexican dining. Conveniently located near Orlando International Airport, Medical City in Lake Nona, and Florida’s East Coast beaches, Harmony offers the perfect blend of lifestyle, nature, and location. Don’t miss your opportunity to own this move in ready home. Schedule your private showing today! Buyer to verify all room measurements.
Facts & features
The home at a glance
5
Bedrooms
2.5
Bathrooms
3,467
Sqft
0.27 ac
Lot size
2
Garage
2017
Year built
Two
Levels
$155
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.
$4,182 /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
$4,182/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
+0.5%
$/sqft vs St Cloud actives
$155 vs $221
Days on market
94 vs 33 typical
Where $155/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 Harmony
Drive times from this address
Get to know St Cloud. See the full St Cloud guide →
Harmony — neighborhood snapshot
Population
3,988
Median age
37
Median income
$78,260
Median home value
$354,100
Avg household
3
Households w/ children
524
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 71% 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 3481 MIDDLEBROOK PL
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$2,950,000
4940 PEACEABLE WAY · same community
4 bd · 5 ba · 3,928 sqft · $751/sqft · 129 DOM
Sold · Jun ’26$750,000
3305 SCHOOLHOUSE ROAD · same community
5 bd · 4 ba · 4,131 sqft · $182/sqft · 54 DOM
Sold · Feb ’26$430,000
3308 PRIMROSE WILLOW DRIVE · same community
4 bd · 2.5 ba · 2,552 sqft · $168/sqft · 18 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 3481 MIDDLEBROOK PL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3481 MIDDLEBROOK PL — 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
3481 MIDDLEBROOK PL FAQs
What would the monthly payment be for 3481 MIDDLEBROOK PL?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,182/mo — principal and interest, the actual property-tax bill, the $9/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 3481 MIDDLEBROOK PL?+
The association fee works out to $9 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3481 MIDDLEBROOK PL?+
The most recent tax bill on record (2025) was $7,215. 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 3481 MIDDLEBROOK PL?+
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 $539,000, this home is listed about 27% 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 3481 MIDDLEBROOK PL?+
Harmony Community School (elementary), Harmony High School (high), 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
$539,000 runs 71% above the ST CLOUD 34773 median — but at 3,467 sqft it's also nearly twice the size of the typical St Cloud listing.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
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.
04Strong assigned schools
Harmony Community School, Harmony High School, Narcoossee Middle School — Harmony Community School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of CORCORAN CONNECT LLC · Jeanine Corcoran. MLS #S5147896.
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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