2320 SYMPHONY CIRCLE, St. Cloud, FL, 34771 | $3,400

Welcome to a home that feels less like a place to live and more like the beginning of your next favorite chapter. Tucked inside one of Lake Nona’s sought-after gated 55+ communities, this beautifully maintained residence invites you in with warmth, space, and just the right touch of everyday luxury. From the moment you step inside, the open layout unfolds effortlessly, with gorgeous tile flooring guiding you through bright and airy living spaces designed for both quiet mornings and lively gatherings. The heart of the home is where everything comes together, from the spacious kitchen to the inviting living area, with a separate front living room that feels like your own private retreat, complete with a charming mini bar and beverage fridge ready for entertaining or unwinding at the end of the day. Each of the three bedrooms offers something rare and special, its own full-sized bathroom, creating comfort and privacy for everyone. A fourth room serves perfectly as a study, hobby space, or even an additional guest area, with a conveniently located bathroom just steps away for visitors. Step outside and the story continues. The back patio becomes your personal escape, featuring a propane-fueled outdoor kitchen where evenings are best spent cooking, laughing, and enjoying Florida’s beautiful weather. Life here extends far beyond your front door. This gated community was designed for connection, relaxation, and enjoyment, offering a resort-style pool, clubhouse, and fitness center, all just moments away. Even better, lawn care and internet are included, making everyday living feel effortless. Whether you’re looking to settle in right away or prefer to experience the lifestyle first, this home offers a unique opportunity. The owner welcomes long-term renters while also remaining open to selling, now or down the road, for those who find themselves falling in love with not just the home, but the entire community. This is more than a home. It’s a place where comfort meets possibility, and where your next chapter is ready to begin. Please note, only one person living in the home must be at least 55 years young.

Features

  • Type: Single Family Residence
  • Bedrooms: 3
  • Baths: 4 full
  • Laundry: Inside, Laundry Room
  • Year Built: 2022
  • Garage: 2-car
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 2,631
  • Acreage: 0.22
  • Adult Communities: Yes
  • Pet Policy: Cats OK, Dogs OK, Size Limit
  • Appliances: Bar Fridge, Convection Oven, Cooktop, Dishwasher, Disposal, Dryer, Electric Water Heater, Ice Maker, Microwave, Range, Range Hood, Refrigerator, Washer, Wine Refrigerator
  • MLS#: O6417183
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/O6417183/2320symphonycircle_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 6/19/2026 5:47:07 PM)
Listing courtesy of PREFERRED REAL ESTATE BROKERS   Phone: 407-440-4900

William Raveis Family of Services

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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
  • 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
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Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

Pedro.Delgadillo@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
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    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

2320 SYMPHONY CIRCLE, St. Cloud, FL, 34771

$3,400

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 $2,720 $2,720 $2,720
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.370% 6.603% 5.952%
Monthly Tax Payment N/A N/A N/A
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $16 $17 $23
Total Monthly Payment $91 $92 $98

* 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.