3603 DAYDREAM PLACE, ST CLOUD, FL, 34772
Active2 days on marketListed Jul 18, 2026MLS #S5153754
About this home
3603 DAYDREAM PLACE
LOW HOA & TAX! Welcome home to the perfect blend of comfort, privacy, and Florida living. Nestled on an oversized, fully fenced cul-de-sac lot with no rear neighbors, this beautifully maintained home offers the peaceful lifestyle you've been looking for, with plenty of room for entertaining, relaxing, and making lifelong memories. This impressive block, split floor, single story home features a desirable open-concept design with a spacious living and dining room, separate family room, boasting Recess lights throughout. The large kitchen complete with granite countertops, stainless steel appliances, breakfast nook, and breakfast bar overlooks the family room and backyard. 2022 Roof, 2025 Exterior paint, 2021 Water Softener. Main Bedroom en-suite boasts a tray ceiling, Crown molding, his-and-her walk-in closets and one of three sets of French doors opening onto the screened-in Patio with expansive backyard. The main Bathroom has His & Her separate vanities, garden tub, separate shower, and enclosed toilet. The Guest suite is separated from other bedroom in the back with adjacent bath and its own exterior door. The 3-car garage is versatile and offers a combination of Parking and Workspace. The community offers fantastic amenities including a community pool, recreation area, and playground, creating the perfect environment for families and active lifestyles. Ideally located just south of Lake Nona, you'll enjoy quick access to the Florida Turnpike, US-192, Orlando International Airport, East Lake Tohopekaliga, the Saint Cloud Lakefront, shopping, dining, golf courses, and everything Central Florida has to offer. This is more than a home—it's the lifestyle you've been waiting for.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,190
Sqft
0.33 ac
Lot size
3
Garage
2007
Year built
One
Levels
$176
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.
$2,832 /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
$2,832/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
−6.1%
$/sqft vs St Cloud actives
$176 vs $221
Days on market
2 vs 33 typical
Where $176/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
Zoned & eligible
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.
Where it sits
Inside Esprit
Drive times from this address
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)
188 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 4% 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 3603 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 · Jan ’26$418,000
3703 MOON DANCER PLACE · same community
4 bd · 3 ba · 2,190 sqft · $191/sqft · 26 DOM
Sold · Aug ’25$434,900
3848 SPIRITED CIRCLE · same community
3 bd · 2.5 ba · 2,039 sqft · $213/sqft · 22 DOM
Sold · May ’26$360,000
3819 SPIRITED CIRCLE · same community
4 bd · 2 ba · 1,859 sqft · $194/sqft · 30 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 3603 DAYDREAM PLACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3603 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
3603 DAYDREAM PLACE FAQs
What would the monthly payment be for 3603 DAYDREAM PLACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,832/mo — principal and interest, the actual property-tax bill, the $85/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 3603 DAYDREAM PLACE?+
The association fee works out to $85 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3603 DAYDREAM PLACE?+
The most recent tax bill on record (2025) was $1,805. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 3603 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 3603 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 $385,000, this home is listed about 9% 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 3603 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.
Keep looking
Similar homes nearby
Listing courtesy of WEICHERT REALTORS HALLMARK PRO · Corlia MacDonald. MLS #S5153754.
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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