$599,900

3481 Pawleys Loop

St Cloud, FL 34769

Active
4
Beds
3
Baths
3,110
Sq Ft
0.22
Acres
2005
Built
Private pool$193/sqft360° tour
🏠Single Family Residence

Property type

🏗️2005

Year built

📐9,583 sqft

Lot size

📊$193

Price / sq ft

🏘️$67/mo

HOA dues

📅8

Days on market

🚗2

Garage spaces

🌊X

Flood zone

About this home

Warning: Reading this, you will realize everything has been done for you in this home with over $125k in upgrades. You already know why so many families search for homes in Stevens Plantation: spacious homes, tree-lined streets, and a location that keeps you close to the very best of Central Florida living while offering a true neighborhood atmosphere. What you may not expect is to find a home where nearly every detail has been upgraded and thoughtfully refined to create a truly turnkey experience. From the moment you arrive, it’s clear this residence was designed for both comfort and functionality. Offering 3,110 square feet with a desirable 3-car garage, this completely updated home blends luxury finishes with practical family living. The split floor plan is especially rare and highly functional, with all bedrooms conveniently located on the first floor, while an expansive upstairs bonus room creates endless possibilities for a theater room, game room, or private retreat. Inside, the transformation is immediately apparent. Luxury lighting elevates every space, while custom baseboards, upgraded finishes, and luxury vinyl flooring flowing throughout the home create a clean, modern aesthetic. The dedicated office or den features upgraded custom doors, creating a private and refined workspace perfect for remote work or study. At the center of the home is the beautifully redesigned kitchen, created for both entertaining and everyday living. Quartz countertops, upgraded cabinetry, designer backsplash, upgraded sink and faucet, and thoughtfully selected finishes combine to create a space that feels elegant and functional. The kitchen opens seamlessly into the main living areas, allowing the home to feel connected and spacious. Nearby, the dining room has been enhanced with custom built-in cabinetry that adds sophistication and practical storage. The owner’s suite offers the kind of comfort and refinement buyers are searching for, highlighted by a custom-designed master closet system and beautifully remodeled bathroom. Custom built-in bathroom cabinetry and upgraded finishes bring a luxury feel to every bath throughout the home. The updates continue well beyond cosmetic improvements. Major investments include a new roof (2021), double-pane windows (2023), upgraded sliding doors, a tankless water heater, new electrical panel, Tesla charger, water softener system, and a roof lightning protection. Even the laundry room was thoughtfully redesigned with upgraded cabinetry, while the oversized storage attic provides exceptional space rarely found in newer homes. Step outside, and the home transforms into a private Florida retreat. The open-air pool and pavered deck create the perfect setting for entertaining, relaxing weekends, or family gatherings year-round. A dedicated pool bath with direct access to the outdoor living area adds both convenience and functionality to the space. Every system, finish, and detail contributes to a home that feels modern, efficient, and completely move-in ready. Combined with its location just minutes from the tourist corridor along US Highway 192, the home offers exceptional convenience to dining, entertainment, shopping, and Central Florida attractions while still maintaining the comfort of a residential community. Even the HOA adds significant value, including Spectrum 1GB internet, premium cable channels, and a Flock neighborhood camera safety system Call now to schedule a showing...this home will not last.

Estimated monthly payment

Principal & interest$3,033
Property taxes$308
Home insurance (est.)$275
HOA dues$67

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 history8 days on market

  1. Status: Active
    May 12, 2026
  2. Listed$615,000
    May 11, 2026
  3. Price reduced$599,900

Virtual Tour

Facts & features

Property type
Residential
Sub type
Single Family Residence
Status
Active
Days on market
8
Subdivision
Stevens Plantation
County
Osceola
Year built
2005
Living area
3,110 sq ft
Price/sq ft
$193
Building area
3,993 sq ft (Public Records)
Lot size
9,583 sq ft
Lot category
0 to less than 1/4
Flood zone
X (12097C0256G)
Garage
2 spaces
Pool
Private pool
Annual taxes
$3,691 (2025)
Parcel #
15-26-30-0700-0001-4570
Zoning
SPUD
MLS #
O6406660

Interior Details

Bedrooms
4
Full bathrooms
3
Flooring
Luxury Vinyl, Tile
Appliances
Dishwasher, Disposal, Microwave, Range, Refrigerator, Tankless Water Heater
Interior features
Built-in Features, Ceiling Fans(s), Eat-in Kitchen, High Ceilings, Kitchen/Family Room Combo, Open Floorplan, Primary Bedroom Main Floor, Solid Surface Counters, Solid Wood Cabinets, Stone Counters, Thermostat, Walk-In Closet(s), Window Treatments
Laundry
Electric Dryer Hookup, Inside, Laundry Room, Washer Hookup
Stories / Levels
Two
Direction faces
Northeast

Heating & Cooling

Heating
Central
Cooling
Central Air

Parking

Garage spaces
2
Attached garage
Yes
Parking features
Driveway, Garage Door Opener, On Street

HOA & Financial

HOA fee
$202 / Quarterly
Monthly HOA
$67/mo
Total monthly fees
$67/mo
Total annual fees
$808
HOA name
Leland Management / Kaitlin Marshall
CDD
Yes
Homestead exemption
Yes
Min lease term
No Minimum
Listing terms
Cash, Conventional, FHA, VA Loan
Ownership
Fee Simple
Available for lease
Yes
Lease restrictions
Yes
Additional lease restrictions
Buyers are responsible for confirming all leasing restrictions.

Exterior & Construction

Exterior features
Lighting, Private Mailbox, Private Yard, Rain Gutters, Sidewalk, Sliding Doors
Construction materials
Block, Stucco, Wood Siding
Roof
Shingle
Foundation
Slab
Pool
Private pool
Road surface
Asphalt, Paved

Utilities

Sewer
Public Sewer
Water source
Public
Utilities
BB/HS Internet Available, Cable Connected, Electricity Connected, Fiber Optics, Public, Sewer Connected, Underground Utilities, Water Connected

Community

Pets allowed
Yes

Schools

ElementarySt Cloud ElemGreatSchools ↗
MiddleSt. Cloud Middle (6-8)GreatSchools ↗
High SchoolBSt. Cloud High SchoolGreatSchools ↗

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

RoomLevelDimensions
OfficeFirst12x16
Dining RoomFirst10.5x12
Living RoomFirst12.5x22
DinetteFirst7.5x10
KitchenFirst13x16
Primary BedroomFirst15.5x18
Primary BathroomFirst10x15.5
Bedroom 2First11x11.5
Bedroom 3First11x11.5
Bedroom 4First11x12
Bathroom 2First5x10.5
Bathroom 3First5x8
Bonus RoomSecond18x20.5

Listing Details

Listing date
2026-05-11
On market date
2026-05-11
Original list price
$615,000
Occupant type
Owner
MLS area
34769 - St Cloud (City of St Cloud)
Listing AOR
Suncoast Tampa
Status changed
2026-05-12
Tax legal description
STEVENS PLANTATION PB 16 PGS 34-41 LOT 457

Flood risk

Minimal riskFEMA Zone XPanel 12097C0256G

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 Florida’s Turnpike (North or South): Take Exit 244 for US-192 toward Kissimmee/St. Cloud. Head east on US-192 E (13 miles). Turn left on Old Canoe Creek Rd. Continue about 2.5 miles, then turn right on Nolte Rd. Turn left onto Pawleys Loop N. 3481 Pawleys Loop N will be on your left.

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MLS GRID

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 May 19, 2026 at 3:46 PM 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.

Ryan Solberg, Broker · MaxLife Realty LLC · FL License #BK3354351 · Equal Housing Opportunity · Full disclaimer · DMCA