2934 FIELDWOOD CIRCLE, ST CLOUD, FL, 34772
Active243 days on marketListed Nov 24, 2025MLS #S5139148
About this home
2934 FIELDWOOD CIRCLE
This three bedrooms and two and a half baths in a townhouse format—it's incredibly attractive because the new owners will get modern finishes and no maintenance headaches for years. The 1 car garage is a great feature in Central Florida where buyers are moving in from the Northeast and want that convenience and protection for their vehicles. The kitchen is well-appointed with granite countertops, stainless steel appliances, recessed lighting, luxury plank flooring, a water softener system, and a reverse osmosis system at the sink. Upstairs, the primary suite includes two closets for abundant storage and an ensuite bath with dual sinks and a walk-in shower. The two additional bedrooms share a practical Jack-and-Jill bathroom, making this layout ideal for guests or multi-generational living. Step outside to enjoy your private outdoor space, featuring a screened lanai and backyard with water and conservation view—perfect for unwinding or hosting gatherings. The one-car garage offers an automatic opener for added convenience. The HOA handles lawn care and irrigation and provides access to community amenities including a park, playground, and neighborhood sidewalks. Located close to schools, shopping, parks, and major roadways, this home blends comfort, style, and low-maintenance living. Assumable loan! Also when using the prefered lender you will receive a credit towards closing costs/ interest rate buydown. Saint Cloud itself is booming right now as one of the fastest-growing areas in Central Florida, drawing families and professionals who want affordability without sacrificing quality. Call today!
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,884
Sqft
0.1 ac
Lot size
1
Garage
2019
Year built
Two
Levels
$180
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.
$2,788 /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
$2,788/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
−2.5%
$/sqft vs St Cloud actives
$180 vs $221
Days on market
243 vs 33 typical
Where $180/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)
197 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 8% below the ST CLOUD 34772 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 2934 FIELDWOOD CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$320,000
3055 FIELDWOOD CIR ST · same community
3 bd · 2.5 ba · 1,884 sqft · $170/sqft · 84 DOM
Sold · Jan ’26$325,000
2935 FIELDWOOD CIRCLE · same community
3 bd · 2.5 ba · 1,884 sqft · $173/sqft · 41 DOM
Sold · Jul ’25$325,000
2962 FIELDWOOD CIRCLE · same community
3 bd · 2.5 ba · 1,884 sqft · $173/sqft · 71 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 2934 FIELDWOOD CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2934 FIELDWOOD CIRCLE — 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
2934 FIELDWOOD CIRCLE FAQs
What would the monthly payment be for 2934 FIELDWOOD CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,788/mo — principal and interest, the actual property-tax bill, the $100/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 2934 FIELDWOOD CIRCLE?+
The association fee works out to $100 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2934 FIELDWOOD CIRCLE?+
The most recent tax bill on record (2025) was $4,526. 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 2934 FIELDWOOD CIRCLE?+
The listing reports pets: Number Limit. 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 $339,900, this home is listed about 20% 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 2934 FIELDWOOD CIRCLE?+
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
01Under the ST CLOUD 34772 market on paper
$339,900 is 8% below the ST CLOUD 34772 median of $370,000, and at $180/sqft it sits under the St Cloud average of $236.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
243 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 $340,000, now $339,900 — a $100 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PR REAL ESTATE SERVICES · Veronica Ochoa. MLS #S5139148.
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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