3241 SAWGRASS CREEK CIRCLE, St. Cloud, FL, 34772 | $415,000

One or more photo(s) has been virtually staged. This is the one! 4 bedrooms plus an additional office, 3 full baths, in St. Cloud’s Sawgrass Creek neighborhood. TOUR THE HOUSE WITH THE VIRTUAL TOUR AND WALK THRU VIDEO LINKS. Real hardwood floors greet you as you step in the front door, with the inviting foyer leading through French Doors to a spacious office on one side, and a dining room on the other. High ceilings and new double-paned windows create an open and airy space in the kitchen and living room that will surely become the heart of your home. The family cook will relish in the prep space provided by the elegant granite countertops, ample storage in the cabinetry and closet pantry, and the ability to serve up meals in either the kitchen’s dinette space, at the breakfast bar, the dining room, or even al fresco on the adjacent screened-in patio. Whether it’s relaxing at the end of the day, or watching little ones and furry friends play on the nearly quarter-acre lot, the backyard will become a place you’ll enjoy. Back inside, the large family room is anchored by a charming brick wood-burning fireplace, ready for you to hang the stockings with care during the holidays. The layout of the house is the thing homeowners love about this home. It features a triple split floorplan, with the primary suite on one side of the house, a junior suite with its own private bath near the rear of the home, and two additional secondary bedrooms surrounding the third full bathroom, along with plenty of linen closets and storage spaces throughout the house. The primary suite will become your space for relaxation. With a tray ceiling in the bedroom adorned with beautiful crown molding, large walk-in closet, and an updated spa-like bathroom with large tiled shower, seamless glass door, new vanity with double sinks, and additional cabinetry for your towels and linens, you’ll never want to leave this haven! Other features include new fridge and dishwasher, and the roof was replaced in 2017. Plus, the location can’t be beat. You’ve got your choice of multiple grocery stories, Starbucks and Dunkin, restaurants, shopping, and you are convenient to the Turnpike. Don’t miss your opportunity to call this beauty your home!

Features

  • Rooms: 9
  • Bedrooms: 4
  • Baths: 3 full
  • Laundry: Laundry Room
  • Style: Florida
  • Year Built: 1998
  • Garage: 2-car
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 2,069
  • Acreage: 0.22
  • Est. Taxes: $3,126
  • HOA Fee: $492 Annually
  • Lot Desc: Level, Sidewalk
  • Elem. School: Michigan Avenue Elem (K 5)
  • Middle School: St. Cloud Middle (6-8)
  • High School: St. Cloud High School
  • Pet Policy: Yes
  • Appliances: Dishwasher, Microwave, Range, Refrigerator
  • MLS#: O6405284
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/O6405284/3241sawgrasscreekcircle_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 5/20/2026 2:55:22 AM)
Listing courtesy of BLOOM HOME GROUP REALTY LLC   Phone: 407-434-9408

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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:

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3241 SAWGRASS CREEK CIRCLE, St. Cloud, FL, 34772

$415,000

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 $332,000 $332,000 $332,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.250% 6.750% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.634% 6.890% 6.078%
Monthly Tax Payment $261 $261 $261
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,044 $2,153 $2,779
Total Monthly Payment $2,379 $2,488 $3,114

* 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.