3649 BRISTOL COVE LANE, St. Cloud, FL, 34772 | $429,900

Welcome to this beautiful 4-bedroom, 3-bath home in the highly desirable community of Bristol Cove at Deer Creek in St. Cloud. Enjoy the serene conservation lot, offering added privacy and peaceful natural views with no rear neighbors. Step inside to a bright, open layout designed for both comfortable living and effortless entertaining. The spacious kitchen flows into the main living area, creating the perfect hub for gatherings. The split-bedroom floor plan provides excellent functionality, with a generous primary suite and well-appointed secondary bedrooms. Outside, enjoy the recently painted exterior that gives the home a fresh, updated look. Enjoy the screened-in lanai and spacious backyard, perfect for entertaining friends and family or simply relaxing outdoors. The 3-car garage offers ample space for vehicles, storage, or a workshop, ideal for today’s lifestyle. With its prime location near shopping, dining, and major roadways, this home blends tranquility and convenience. Don’t miss the opportunity to make this move-in-ready property your own. Schedule to see it today.

Features

  • Rooms: 3
  • Bedrooms: 4
  • Baths: 3 full
  • Laundry: Inside, Laundry Room
  • Year Built: 2006
  • Garage: 3-car
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 2,386
  • Acreage: 0.26
  • Est. Taxes: $3,706
  • HOA Fee: $141 Quarterly
  • Elem. School: Canoe Creek K-8
  • Middle School: Canoe Creek K-8
  • High School: Harmony High
  • Pet Policy: Yes
  • Appliances: Dishwasher, Microwave, Range, Refrigerator
  • MLS#: O6351433
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/O6351433/3649bristolcovelane_stcloud_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 12/25/2025 5:32:09 PM)

William Raveis Family of Services

Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.

The Sabbagh TeamSales Associates

TheSabbaghTeam@raveis.com

Our family of companies offer our clients a new level of full-service real estate. We shall:

  • Market your home to realize a quick sale at the best possible price
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To learn more about our credentials, visit raveis.com today.

Matthew DeMariaVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 147983

845.290.3871

Matthew.DeMaria@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Gene RahillyInsurance Sales Director, William Raveis Insurance

917.494.9386

Gene.Rahilly@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

3649 BRISTOL COVE LANE, St. Cloud, FL, 34772

$429,900

The Sabbagh Team

Sales Associates

William Raveis Real Estate

Phone: 203.794.9494

TheSabbaghTeam@raveis.com

Matthew DeMaria

VP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 845.290.3871

Matthew.DeMaria@raveis.com

NMLS Mortgage Loan Originator ID 147983

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $343,920 $343,920 $343,920
Term 360 months 360 months 180 months
Initial Interest Rate** 5.500% 6.125% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.360% 6.304% 5.648%
Monthly Tax Payment $309 $309 $309
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,953 $2,090 $2,787
Total Monthly Payment $2,337 $2,474 $3,171

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.