
3941 SOUTHERN VISTA LOOP, ST CLOUD, FL, 34772
Active2 days on marketListed Jul 21, 2026MLS #O6426522
Come see it
Upcoming open house
Sun, Jul 26
12:00 PM – 2:00 PM
About this home
3941 SOUTHERN VISTA LOOP
Virtually Staged. Built in 2022 and beautifully maintained, this spacious 5-bedroom, 3-bath home offers nearly 2,800 square feet of thoughtfully designed living space with peaceful pond views and room for everyone. From the moment you step inside, you'll appreciate the bright, open floor plan, soaring ceilings, and abundant natural light that fill the home with warmth and create an inviting atmosphere throughout. The heart of the home is the stunning kitchen featuring granite countertops, stainless steel appliances, 42-inch upper cabinets, pendant lighting, a large center island with seating, a walk-in pantry, and plenty of cabinet and counter space for everyday living and entertaining. The kitchen flows seamlessly into the dining area and expansive living room, all overlooking the tranquil pond through sliding glass doors that lead to the screened and covered lanai—the perfect place to enjoy your morning coffee or unwind while taking in the peaceful water views. A first-floor bedroom and full bath provide an ideal setup for guests, extended family, or a private home office. Upstairs is designed with both comfort and versatility in mind, featuring an expansive loft that provides the perfect bonus living space for movie nights, a game room, or home office. The private primary retreat offers peaceful pond views, a spacious en-suite bath, and an oversized walk-in closet with custom built-ins. Three additional bedrooms and another full bath complete the second floor, providing plenty of room for a growing family, overnight guests, or dedicated work and hobby spaces—all thoughtfully arranged to maximize both privacy and everyday convenience. One of the secondary bedrooms also features its own walk-in closet, and ceiling fans in every bedroom, the living room, and the loft provide year-round comfort. Thoughtful upgrades throughout include blinds on every window, washer and dryer, generous under-the-stair storage, gutters, and a two-car garage. For those working remotely, running a business, or enjoying online gaming, direct hardwired internet connections are available in the living room, loft, and one secondary bedroom, providing fast, reliable connectivity where it matters most. The home also features durable flooring throughout the kitchen and wet areas with comfortable carpeting in the bedrooms, living room, and loft. Step outside to your screened lanai and backyard where you'll enjoy serene pond views along with your own fruit trees, including lime, grapefruit, lemon-lime hybrid, and orange. Even better, the community amenities couldn't be more convenient—the neighborhood pool, playground, and mailboxes are located directly across the street and just a few doors down, making it easy to enjoy everything the community has to offer without having to drive. Conveniently located near Lake Nona Medical City, shopping, dining, top-rated schools, and major roadways, this home also offers an easy commute to some of Central Florida's most popular destinations. Orlando International Airport (MCO) is approximately 25 minutes away, while Walt Disney World is approximately 35–40 minutes away, making travel, work, and entertainment all within easy reach. Why wait to build when you can own this like-new home with thoughtful upgrades already in place? Don't miss your opportunity to make this exceptional home yours—schedule your private showing today!
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
2,791
Sqft
0.15 ac
Lot size
2
Garage
2022
Year built
Two
Levels
$188
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.
$4,221 /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
$4,221/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
+8.5%
$/sqft vs St Cloud actives
$188 vs $221
Days on market
2 vs 33 typical
Where $188/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 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 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)
194 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 42% 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 3941 SOUTHERN VISTA LOOP
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$410,000
3920 SOUTHERN VISTA LOOP · same community
5 bd · 2.5 ba · 2,791 sqft · $147/sqft · 190 DOM
Sold · May ’26$503,000
4071 SOUTHERN VISTA LOOP
5 bd · 3 ba · 2,791 sqft · $180/sqft · 224 DOM
Sold · Oct ’25$565,000
1155 SENECA TRAIL
5 bd · 4 ba · 2,671 sqft · $212/sqft · 12 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
Ricardo Ramirez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3941 SOUTHERN VISTA LOOP — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3941 SOUTHERN VISTA LOOP — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Ricardo's phone and CRM.
Straight answers
3941 SOUTHERN VISTA LOOP FAQs
What would the monthly payment be for 3941 SOUTHERN VISTA LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,221/mo — principal and interest, the actual property-tax bill, the $107/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 3941 SOUTHERN VISTA LOOP?+
The association fee works out to $107 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3941 SOUTHERN VISTA LOOP?+
The most recent tax bill on record (2025) was $7,573. 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 3941 SOUTHERN VISTA LOOP?+
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 $525,000, this home is listed about 24% 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 3941 SOUTHERN VISTA LOOP?+
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
Three things that matter here
01Positioned at the premium end
$525,000 runs 42% above the ST CLOUD 34772 median — but at 2,791 sqft it's also 41% larger than the typical St Cloud listing.
02Park/Greenbelt & Pool & Water views
The park/greenbelt and pool and water view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Only 2 days on market in a St Cloud market that averages 33 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Jessica Snyder. MLS #O6426522.
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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