$384,000
3538 Vega Creek Drive
St Cloud, FL 34772
Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
MOVE-IN READY NEW PAINT 4-bedroom, 2-bath home built in 2019, featuring UPDATED FLOORING and a FENCED YARD in the established Whaley’s Creek community of St. Cloud. This Central Florida real estate property presents a clean, functional layout with modern finishes, ideal for buyers seeking a St. Cloud home with convenient access to major roadways and surrounding areas. As you arrive, the home presents a well-maintained exterior with a manicured lawn, palm tree landscaping, a spacious driveway, an attached 2-car garage, and a screened front entry. Inside, wood-look tile flooring extends through the main living areas, where natural light enters through multiple windows and creates a comfortable, open atmosphere. The main living area connects directly to the dining space and kitchen, creating a practical layout for everyday living and gatherings. The kitchen is centrally located and includes quartz countertops, 42-inch cabinetry, stainless steel appliances, a tile backsplash, and a center island for additional workspace. The adjacent dining area overlooks the backyard through sliding glass doors. The primary bedroom is positioned toward the rear of the home and includes a walk-in closet and an en-suite bathroom with dual sinks, quartz countertops, and a glass-enclosed walk-in shower with tile finishes. The additional bedrooms are well-sized with carpet flooring and provide flexibility for guests, office space, or other uses. One room is currently set up as a media or workspace. The secondary bathroom includes a tub/shower combination and quartz countertops. A covered SCREENED LANAI extends the living space outdoors, providing a shaded area for seating while overlooking the fully enclosed vinyl-fenced backyard. Additional features include recessed lighting, a dedicated laundry area, and functional storage throughout. Whaley’s Creek includes community amenities such as a pool, playground, park, and sidewalks. The property is located near shopping, dining, grocery options, and access to the Florida Turnpike for travel throughout St. Cloud, Kissimmee, Orlando, and the greater Central Florida area. Contact us today for a private tour or more details on this exceptional opportunity.
Local Insight
At $207/sqft for a 2019 build in a newer subdivision, this is solid middle-market pricing for the St. Cloud area—you're getting a relatively newer home without the premium you'd pay in closer-in Osceola or Orange County developments. The tight 0.16-acre lot and $99 HOA are worth factoring against the value, especially if you want outdoor space, but the X flood zone and access to decent schools (Harmony Middle/High) make this a practical family buy rather than a speculative one. With NeoCity and Lake Nona driving employment growth in the region, this property's location positions it more as a hold-and-benefit play than a flip, which changes how you should think about the price.
AI-generated insight based on listing data and neighborhood context. Verify independently.
Estimated monthly payment
Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.
Price & listing history31 days on market
- Status: ActiveMay 4, 2026
- Listed$389,000May 4, 2026
- Price reduced$384,000
Virtual Tour
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 31
- Subdivision
- Whaleys Crk Ph 3
- County
- Osceola
- Year built
- 2019
- Living area
- 1,859 sq ft
- Price/sq ft
- $207
- Building area
- 2,367 sq ft (Public Records)
- Lot size
- 6,970 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- X
- Garage
- 2 spaces
- Annual taxes
- $4,052 (2025)
- Parcel #
- 35-26-30-0966-0001-2970
- Zoning
- RES
- MLS #
- O6403928
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Interior Details
- Bedrooms
- 4
- Full bathrooms
- 2
- Flooring
- Carpet, Ceramic Tile
- Appliances
- Disposal, Microwave, Range, Refrigerator
- Interior features
- Ceiling Fans(s), Living Room/Dining Room Combo, Open Floorplan, Thermostat, Walk-In Closet(s), Window Treatments
- Laundry
- Inside, Laundry Room
- Stories / Levels
- One
- Direction faces
- North
Heating & Cooling
- Heating
- Central, Electric
- Cooling
- Central Air
Parking
- Garage spaces
- 2
- Attached garage
- Yes
- Parking features
- Driveway, Garage Door Opener, On Street
HOA & Financial
- HOA fee
- $99 / Monthly
- Monthly HOA
- $99/mo
- Total monthly fees
- $99/mo
- Total annual fees
- $1,188
- HOA name
- Ellen Crouser
- CDD
- No
- Min lease term
- 7 Months
- Listing terms
- Cash, Conventional, VA Loan
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- No
- Additional lease restrictions
- Buyer to contact HOA to verify all lease restrictions
- Approval process
- Buyer to contact HOA to verify approval process.
Exterior & Construction
- Exterior features
- Sidewalk, Sliding Doors
- Construction materials
- Block, Stucco
- Roof
- Shingle
- Foundation
- Slab
- Road surface
- Paved
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- Electricity Connected, Public, Sewer Connected, Underground Utilities, Water Connected
Community
- Pets allowed
- Yes
Schools
Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Living Room | First | 15x15 |
| Primary Bedroom | First | 15x13 |
| Bedroom 2 | First | 12x10 |
| Bedroom 3 | First | 12x11 |
| Great Room | First | 26x15 |
| Kitchen | First | 12x10 |
| Dining Room | First | 11x11 |
| Utility Room | First | 7x5 |
| Balcony/Porch/Lanai | First | 30x8 |
Listing Details
- Listing date
- 2026-05-01
- On market date
- 2026-05-04
- Original list price
- $389,000
- Occupant type
- Owner
- MLS area
- 34772 - St Cloud (Narcoossee Road)
- Listing AOR
- Orlando Regional
- Status changed
- 2026-05-04
- Tax legal description
- WHALEYS CREEK PH 3 PB 26 PGS 168-172 LOT 297
Flood risk
Minimal-risk area outside the mapped floodplain. Flood insurance is optional and typically low-cost.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
From intersection of Deer Run Dr. and Canoe Creek Rd., travel North on Canoe Creek rd. about 1000' and turn right into subdivision. Travel to round-a-bout and take second exit. Travel about 200' and house is the third home on the right
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Listings courtesy of Stellar MLS as distributed by MLS GRID
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.
Based on information submitted to the MLS GRID as of June 4, 2026 at 10:06 AM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
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