$389,900
3806 Opal Circle
St Cloud, FL 34772
Listing updated: June 27, 2026 at 6:02 PM ET
Listing courtesy of Worth Clark Realty · Chris Day · MLS #G5113979 · Active · 352-988-7777Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
Virtually Staged. Nestled on a quiet cul-de-sac in the highly desirable Sawgrass community, this spacious home offers privacy, comfort, and an exceptional location with no rear neighbors and plenty of room to add a future pool. Enjoy Florida living from the covered lanai overlooking a peaceful, private backyard setting. Inside, you'll find an open and inviting floor plan featuring ceramic tile throughout the main living areas, wood laminate flooring in the front office and dining room, and comfortable carpeting in the bedrooms. The kitchen is designed for both function and style with warm maple cabinetry, laminate countertops, a decorative tile backsplash, and stainless steel appliances. The adjoining breakfast nook includes additional built-in cabinetry, creating excellent pantry and storage space. Architectural details add character throughout the home, including volume ceilings, crown molding in select rooms, and a tray ceiling in the primary suite. The spacious primary bedroom offers a relaxing retreat, while the primary bath features dual vanities, a garden tub, and a separate shower. Major updates have already been completed, including a roof replaced in 2018. The air handler was manufactured in January 2016, making it less than 10 years old. The property also benefits from a remarkably low HOA fee of just $493 per year. Sawgrass residents enjoy convenient access to Lake Nona Medical City, Orlando International Airport, the Florida Turnpike, and major employers throughout Central Florida. Nearby you'll find shopping, restaurants, schools, parks, golf, and outdoor recreation, while still enjoying the charm and small-town feel of St. Cloud. If you're looking for a well-maintained home with privacy, updates, and an outstanding location, this Sawgrass gem deserves a closer look.
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 history10 days on market
- Status: ActiveJun 18, 2026
- Listed$389,900Jun 17, 2026
- Price increased$389,900
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 10
- Subdivision
- Sawgrass Unit 1
- County
- Osceola
- Year built
- 1999
- Living area
- 2,069 sq ft
- Price/sq ft
- $188
- Building area
- 2,816 sq ft (Public Records)
- Lot size
- 10,759 sq ft
- Lot category
- 1/4 to less than 1/2
- Flood zone
- A (12097C0260G)
- Garage
- 2 spaces
- Annual taxes
- $6,445 (2025)
- Parcel #
- 26-26-30-0626-0001-0480
- Zoning
- SR1B
- MLS #
- G5113979
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Interior Details
- Bedrooms
- 4
- Full bathrooms
- 3
- Flooring
- Carpet, Ceramic Tile, Laminate
- Appliances
- Dishwasher, Dryer, Electric Water Heater, Microwave, Range, Refrigerator
- Interior features
- Cathedral Ceiling(s), Ceiling Fans(s), Crown Molding, Open Floorplan, Primary Bedroom Main Floor, Tray Ceiling(s), Vaulted Ceiling(s), Walk-In Closet(s)
- Laundry
- Inside, Laundry Room
- Stories / Levels
- One
- Direction faces
- North
Heating & Cooling
- Heating
- Heat Pump
- Cooling
- Central Air
Parking
- Garage spaces
- 2
- Attached garage
- Yes
- Parking features
- Garage Door Opener
HOA & Financial
- HOA fee
- $493 / Annually
- Monthly HOA
- $41/mo
- Total monthly fees
- $41/mo
- Total annual fees
- $493
- HOA name
- Cecily Ramey
- CDD
- No
- Min lease term
- 7 Months
- Listing terms
- Cash, Conventional, FHA, VA Loan
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- Yes
- Additional lease restrictions
- Please contact the HOA for additional lease restrictions.
- Approval process
- Please contact the HOA for the lease approval process.
Exterior & Construction
- Exterior features
- Private Yard, Rain Gutters, Sidewalk, Sliding Doors
- Construction materials
- Block, Stucco
- Roof
- Shingle
- Foundation
- Slab
- Road surface
- Asphalt
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- Cable Connected, Electricity Connected, Sewer Connected, Sprinkler Meter, Water Connected
Community
- Pets allowed
- Yes
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Primary Bedroom | First | |
| Bedroom 2 | First | |
| Bedroom 3 | First | |
| Bedroom 4 | First | |
| Kitchen | First | |
| Living Room | First | |
| Dining Room | First | |
| Bathroom 1 | First | |
| Bathroom 2 | First | |
| Bathroom 3 | First |
Listing Details
- Listing date
- 2026-06-17
- On market date
- 2026-06-17
- Original list price
- $389,900
- Occupant type
- Vacant
- MLS area
- 34772 - St Cloud (Narcoossee Road)
- Listing AOR
- Orlando Regional
- Status changed
- 2026-06-18
- Tax legal description
- SAWGRASS UNIT 1 PB 10 PG 140-141 LOT 48
Flood risk
FEMA Special Flood Hazard Area (1% annual-chance / “100-year” floodplain). Flood insurance is generally required by mortgage lenders.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
From Downtown St. Cloud, head west on 13th Street (US-192 W/US-441 N) for approximately 0.5 miles. Turn left onto Vermont Avenue (CR-523) and continue 0.3 miles, then continue straight as Canoe Creek Road (CR-523) for approximately 3.1 miles. Turn left onto Pine Tree Drive and travel 0.3 miles. Turn left onto Gator Bay Creek Boulevard, then make an immediate right onto Gator Bay Lane. Follow Gator Bay Lane for approximately 0.1 miles, then turn right back onto Gator Bay Creek Boulevard. Take the next right onto Opal Circle. The home at 3806 Opal Circle will be on your 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 27, 2026 at 6:02 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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