$329,000
3102 Garden Court
St Cloud, FL 34769
Listing updated: July 24, 2026 at 6:09 PM ET
Listing courtesy of Lpt Realty, Llc · Calvin Bolden · MLS #O6411880 · Active · 877-366-2213Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
Looking for a MOVE-IN-READY first home or to downsize into a lovely community just minutes from Lakefront Park and Downtown St. Cloud? Look no further than The Gardens! Welcome to this WELL-MAINTAINED 3-bedroom, 2-bath home where charm, character and a SPACIOUS LOT come together to create the perfect place to call home. With NO HOA, *ROOF Dec 2025*HVAC 2017* this property provides the peace of mind and flexibility to truly make it your own. The interior delivers OPEN CONCEPT living with tile throughout the main living areas and a SPLIT- BEDROOM PLAN. The kitchen shines with granite countertops, STAINLESS STEEL APPLIANCES, a breakfast bar with pendant lighting, under cabinet lighting and an over sink window for great natural light! The spacious PRIMARY SUITE includes a WALK-IN CLOSET and en-suite bath, while bedrooms two and three share a full bath on the other side of the home. Situated on a premium CORNER LOT enjoy adorable CURB APPEAL, an EXTENDED COVERED LANAI and FULLY FENCED backyard providing privacy and the perfect space for relaxing or entertaining. Call today to schedule a tour and fall in love with your new HOME SWEET HOME!
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 history56 days on market
- Status: ActiveMay 29, 2026
- Listed$340,000May 29, 2026
- Price reduced$329,000
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 56
- Subdivision
- The Gardens
- County
- Osceola
- Year built
- 1989
- Living area
- 1,260 sq ft
- Price/sq ft
- $261
- Building area
- 1,758 sq ft (Public Records)
- Lot size
- 8,059 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- X (12097C0095G)
- Garage
- 2 spaces
- Annual taxes
- $4,654 (2025)
- Parcel #
- 03-26-30-0027-0001-0160
- Zoning
- SR2
- MLS #
- O6411880
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Interior Details
- Bedrooms
- 3
- Full bathrooms
- 2
- Flooring
- Laminate, Tile
- Appliances
- Dishwasher, Dryer, Range, Refrigerator, Washer
- Interior features
- Ceiling Fans(s), Kitchen/Family Room Combo, Open Floorplan, Primary Bedroom Main Floor, Stone Counters, Walk-In Closet(s)
- Laundry
- In Garage
- Stories / Levels
- One
- Direction faces
- West
Heating & Cooling
- Heating
- Central
- Cooling
- Central Air
Parking
- Garage spaces
- 2
- Attached garage
- Yes
HOA & Financial
- Total monthly fees
- $0/mo
- Total annual fees
- $0
- CDD
- No
- Homestead exemption
- Yes
- Min lease term
- 8-12 Months
- Listing terms
- Cash, Conventional, FHA, VA Loan
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- No
- Additional lease restrictions
- Buyer to contact the City of St. Cloud for leasing restrictions
Exterior & Construction
- Exterior features
- French Doors, Rain Gutters, Sidewalk
- Construction materials
- Vinyl Siding
- Roof
- Shingle
- Foundation
- Slab
- Road surface
- Asphalt
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- Electricity Connected, Water Connected
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 | |
| Kitchen | First | |
| Primary Bedroom | First |
Listing Details
- Listing date
- 2026-05-29
- On market date
- 2026-05-29
- Original list price
- $340,000
- Occupant type
- Owner
- MLS area
- 34769 - St Cloud (City of St Cloud)
- Listing AOR
- Orlando Regional
- Status changed
- 2026-05-29
- Tax legal description
- THE GARDENS PB 4 PG 193 LOT 16
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 Narcoossee Rd heading South, make a Right onto Rummell Rd, Left onto Colombia, Right onto 5th St, Right onto Garden Ct. The home will be on the right.
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Listing provided by Stellar MLS
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 July 24, 2026 at 6:09 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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