5229 HAMMOCK CIRCLE, St. Cloud, FL, 34771 | $559,000

One or more photo(s) has been virtually staged. **You can purchase this home with NO INCOME VERIFICATION NEEDED** Welcome to your fully renovated pool home in one of Central Florida’s most sought-after locations — just minutes from the heart of Lake Nona and the Medical City corridor. Perfectly positioned for those who prioritize convenience, lifestyle, and long-term value, this corner-lot property sits on a quarter acre and offers the ideal blend of privacy, modern upgrades, and effortless indoor-outdoor living.
From the moment you arrive, the freshly painted exterior, paid-off solar panels with warranty (that will save you hundreds of dollars year round), and spacious corner lot set the tone. Step through the stunning double French glass doors and into a bright, welcoming foyer where elegant tray ceilings, modern recessed lighting, luxury vinyl flooring, and updated designer fixtures create a sophisticated open-concept flow. Natural light pours into every corner of the home through oversized bay windows, offering beautiful views of the screened pool from nearly every room. The layout was designed with entertaining in mind, creating a seamless connection between living spaces and outdoor relaxation areas. The completely renovated kitchen is the heart of the home, featuring a large island, quartz countertops, stainless steel appliances, and a charming kitchen nook perfect for casual mornings. Just beyond, a spacious dining room — which can also serve as a family room — features French glass doors that open directly to the pool deck, making gatherings effortless and inviting.
The primary suite is a private retreat with elegant tray ceilings, sliding glass doors overlooking the pool, double closets including a walk-in closet, and LED energy-efficient ceiling fans with remote controls found throughout every room in the home. The fully updated primary bathroom showcases a luxurious walk-in glass shower with dual rain shower heads and a dual vanity with stunning brushed gold finishes.
Step outside to your personal Florida oasis. The screened pool enclosure, expansive deck, and covered patio create the perfect space for entertaining, relaxing, and weekend barbecues. A convenient outdoor half bath adds functionality with the convenience of a private outdoor shower perfect for rinsing off after a refreshing dip in the pool, while an additional patio area away from the pool offers a peaceful space to enjoy nature and partial views of the retention pond.
Additional upgrades include a new water heater, full interior and exterior paint, modern lighting throughout, EV Charging outlet in the garage and solar panels that are completely paid off for long-term energy savings. Location is everything — and this home delivers. Enjoy quick access to Lake Nona Medical City, major hospitals, top-rated schools, Orlando International Airport, major highways, dining, shopping, and entertainment. This thriving corridor continues to grow, making this home an ideal choice for buyers seeking both lifestyle and investment potential. With its exceptional flow, thoughtful upgrades, and unbeatable location, this home is truly designed for comfortable living and unforgettable entertaining.

Features

  • Rooms: 4
  • Bedrooms: 3
  • Baths: 2 full / 1 half
  • Laundry: Electric Dryer Hookup, Laundry Room, Washer Hookup
  • Year Built: 1994
  • Garage: 2-car Driveway, Garage Faces Side
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 2,027
  • Acreage: 0.25
  • Est. Taxes: $3,342
  • HOA Fee: $250 Semi-Annually
  • Pool: In Ground, Screen Enclosure
  • Pet Policy: Cats OK, Dogs OK
  • Appliances: Convection Oven, Cooktop, Dishwasher, Electric Water Heater, Range Hood, Refrigerator
  • MLS#: O6382908
  • Days on Market: 82 days
  • Website: https://www.raveis.com
    /prop/O6382908/5229hammockcircle_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 5/22/2026 2:21:01 AM)
Listing courtesy of NETWORTH REALTY OF ORLANDO, LLC   Phone: 321-329-3127

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
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5229 HAMMOCK CIRCLE, St. Cloud, FL, 34771

$559,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $447,200 $447,200 $447,200
Term 360 months 360 months 180 months
Initial Interest Rate** 6.250% 6.625% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.609% 6.887% 6.078%
Monthly Tax Payment $279 $279 $279
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,753 $2,863 $3,744
Total Monthly Payment $3,123 $3,233 $4,114

* 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.