3109 Lakes Crest Avenue, FL
Stellar MLS

$399,900

3109 Lakes Crest Avenue

St Cloud, FL 34772

Active
4
Beds
2
Baths
2,025
Sq Ft
0.13
Acres
2019
Built
$197/sqft360° tour
Single Family Residence

Property type

2019

Year built

5,663 sqft

Lot size

$197

Price / sq ft

$9/mo

HOA dues

6

Days on market

2

Garage spaces

X

Flood zone

About this home

No rear neighbors or right-side neighbors, a premium corner lot, and a low HOA of just $102 total annually make this turn-key, move-in ready, 2019-built 4-bedroom, 2-bath a standout in the highly sought-after Gramercy Farms community in Saint Cloud. An open-concept floor plan and a bright kitchen built for hosting set the tone the moment you arrive. The kitchen is the showpiece: 42-inch cabinets with crown molding, granite countertops, and a large center island that flows right into the dining and family room combo, ideal for everyday living and entertaining. Easy-care tile runs through the main living areas with carpet in the bedrooms. The spacious primary suite delivers a large walk-in closet and a spa-style ensuite with dual sinks, a walk-in shower, linen closet, and elegant tile finishes, while three generously sized secondary bedrooms share a full bath. Step out through sliding glass doors to a fully screened and covered lanai, the perfect spot to relax or entertain year-round, with the integrated solar system adding everyday energy efficiency. Residents enjoy resort-style amenities including playgrounds, basketball courts, and a dog park, all just minutes from shopping, dining, and major roadways. A short distance from Kissimmee, Lake Nona, and Orlando International Airport, this energy-efficient single-family home offers low-maintenance Florida living in one of Saint Cloud's most desirable communities. ***Up to 1% lender credit toward buyer closing costs available when working with the seller's preferred lender (buyer must qualify, terms apply).

Local Insight

At $197/sqft for a 2019-built home with four bedrooms, you're looking at solid pricing for the current Osceola County market, especially with that minimal $9/month HOA and X flood zone designation—St. Cloud's real appeal right now is its positioning between Lake Nona overflow demand and the incoming semiconductor jobs at NeoCity, which could quietly drive property values over the next few years. The tight 0.13-acre lot is typical for this subdivision, so don't expect much yard space, but the schools feeding from here are solid, and you're genuinely in a family-oriented community with actual walkable downtown bones, not just generic sprawl.

AI-generated insight based on listing data and neighborhood context. Verify independently.

Estimated monthly payment

Principal & interest$2,022
Property taxes$572
Home insurance (est.)$183
HOA dues$9

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 history6 days on market

  1. Status: Active
    May 27, 2026
  2. Listed$399,900
    May 27, 2026
  3. Price increased$399,900

Virtual Tour

Facts & features

Property type
Residential
Sub type
Single Family Residence
Status
Active
Days on market
6
Subdivision
Gramercy Farms
County
Osceola
Year built
2019
Living area
2,025 sq ft
Price/sq ft
$197
Building area
2,608 sq ft (Public Records)
Lot size
5,663 sq ft
Lot category
0 to less than 1/4
Flood zone
X (12097C0260G)
Garage
2 spaces
Annual taxes
$6,866 (2025)
Parcel #
19-26-31-0163-0001-5530
Zoning
X
MLS #
S5150030

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Interior Details

Bedrooms
4
Full bathrooms
2
Flooring
Tile
Appliances
Convection Oven, Dryer, Microwave, Refrigerator, Washer
Interior features
Ceiling Fans(s), Living Room/Dining Room Combo, Open Floorplan
Laundry
Laundry Room
Stories / Levels
One
Direction faces
Southwest

Heating & Cooling

Heating
Electric
Cooling
Central Air

Parking

Garage spaces
2
Attached garage
Yes

HOA & Financial

HOA fee
$102 / Annually
Monthly HOA
$9/mo
Total monthly fees
$9/mo
Total annual fees
$102
HOA name
Rizzetta & Company - Brian Mendes
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
No
Additional lease restrictions
Please verify with HOA
Approval process
buyer/buyer's agent to verify with HOA

Exterior & Construction

Exterior features
Rain Gutters, Sidewalk, Sprinkler Metered
Construction materials
Block, Stucco
Roof
Shingle
Foundation
Slab
Road surface
Asphalt

Utilities

Sewer
Public Sewer
Water source
Public
Utilities
Cable Available, Electricity Available, Phone Available, Sewer Available, Sprinkler Meter, Water Available

Community

Pets allowed
Cats OK, Dogs OK

Schools

ElementaryBHickory Tree ElemGreatSchools ↗
MiddleSt. Cloud Middle (6-8)GreatSchools ↗
High SchoolAHarmony HighGreatSchools ↗

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
KitchenFirst11x20
Primary BedroomFirst14x18
Dining RoomFirst21x11
Living RoomFirst18x15
Bedroom 2First12x10
Bedroom 3First12x11
Bedroom 4First12x10

Listing Details

Listing date
2026-05-15
On market date
2026-05-27
Original list price
$399,900
Occupant type
Owner
MLS area
34772 - St Cloud (Narcoossee Road)
Listing AOR
Osceola
Status changed
2026-05-27
Tax legal description
GRAMERCY FARMS PH 8 PB 27 PGS 196-197 LOT 553

Flood risk

Minimal riskFEMA Zone XPanel 12097C0260G

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 turnpike southbound take exit 240, Turn left towards St. Cloud, Turn left onto Kissimmee Park Rd., Turn left onto Old Canoe Creek Rd., Turn right onto W New Nolte Rd., Turn right onto Hickory Grove Rd., At the roundabout take the second exit onto Surrey Spring Way, Turn right onto Gramercy Farms Blvd., Turn right onto Lakes Crest Ave., the destination is 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 June 2, 2026 at 5:02 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.

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