3200 VILLA WAY CIRCLE, St. Cloud, FL, 34769 | $260,000

**This house comes with a REDUCED RATE through the seller's preferred lender. This is a lender-paid rate buydown that reduces the buyer's interest rate and monthly payment. **

Rare 3-bedroom villa, new floors, two parking spots, and a low HOA that covers the big-ticket items? This one is the total package.

Welcome to 3200 Villa Way Circle, a standout villa in a quiet, well-kept Saint Cloud community where 3-bedroom layouts are hard to come by. With 3 bedrooms and 2 full bathrooms, this home gives you the extra space buyers actually want, whether you need a guest room, home office, hobby space, or simply more room to spread out.

Inside, the new flooring gives the home a fresh, updated feel from the moment you walk in. High ceilings and an easy single-story layout make the living areas feel open, comfortable, and functional for everyday life. The living and dining spaces flow naturally together, creating the perfect setup for relaxing, hosting, or keeping things simple.

The covered and screened-in patio adds even more usable space, giving you a peaceful spot for morning coffee, evening wine, weekend lounging, or enjoying the Florida weather without the bugs.

This villa also comes with two parking spots, a major everyday convenience for both owners and guests. Even better, the low HOA covers the roof, exterior maintenance, lawn care, exterior paint, and access to the community pool. The pool is located within walking distance right behind the unit, so you can enjoy a pool day whenever you want, without having to clean, maintain, or pay for the upkeep yourself.

Tucked inside a very quiet community with easy access to shopping, dining, major roadways, Lake Nona, Orlando International Airport, and everything Saint Cloud has to offer, this villa delivers the space, updates, convenience, and low-maintenance Florida living buyers are looking for.

Features

  • Rooms: 5
  • Bedrooms: 3
  • Baths: 2 full
  • Lot Size: 33 x 45
  • Laundry: In Kitchen
  • Year Built: 1997
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 1,156
  • Acreage: 0.04
  • Lot Size: 33 x 45
  • Est. Taxes: $2,779
  • HOA Fee: $182 Monthly
  • Lot Desc: Landscaped, Sidewalk
  • View: Garden
  • Elem. School: Neptune Elementary
  • Middle School: St. Cloud Middle (6-8)
  • High School: St. Cloud High School
  • Pet Policy: Yes
  • Appliances: Dryer, Range, Range Hood, Refrigerator, Washer
  • MLS#: O6421452
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/O6421452/3200villawaycircle_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 7/4/2026 3:29:12 AM)
Listing courtesy of KELLER WILLIAMS REALTY AT THE PARKS   Phone: 407-629-4420

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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

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3200 VILLA WAY CIRCLE, St. Cloud, FL, 34769

$260,000

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 $208,000 $208,000 $208,000
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% 6.615% 5.952%
Monthly Tax Payment $232 $232 $232
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,246 $1,313 $1,727
Total Monthly Payment $1,553 $1,620 $2,034

* 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.