Single Family Residence at 3204 OXBOW CT, ST CLOUD
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$429,900

3204 OXBOW CT
ST CLOUD, FL 34773
Listed by Chris Woeste · TIE TEAM REALTY LLC
Bedrooms
4
Bathrooms
3
Living area
2,361 sqft
Year built
2022

About this home

Check it Out! Welcome home to this beautifully maintained 4-bedroom, 3-bathroom home built in 2022, located in a gated golf course community and zoned for the sought-after Harmony neighborhood schools. This one-owner home sits on a premium lot with a fully fenced backyard that backs up to privacy—perfect for relaxing evenings, pets, or playtime. From the moment you arrive, you’ll notice the attention to detail, with paver driveway and porches, plantation shutters, crown molding throughout the 1st floor, gutters and a whole-house water system already in place. Inside, the open and functional layout includes a flex room and full bathroom on the main floor—ideal for guests, a home office, or even a playroom. The gourmet kitchen is a true highlight, featuring stainless steel appliances, quartz countertops, and plenty of space for cooking, hosting, and gathering. Upstairs, all bedrooms are conveniently located near the spacious laundry room, keeping chores simple and organized. Whether you're looking for comfort, style, or convenience, this home checks all the boxes. You’ll be just minutes from the beaches and less than an hour to Orlando’s theme parks and international airport—giving you the best of both Florida fun and everyday practicality. Don’t miss your chance to own a move-in-ready home in a great location with top-rated schools!

Property details

MLS #
MFRS5144242
Property type
Single Family Residence
Subdivision
ENCLAVE AT LAKES OF HARMONY
Status
Active
Days on market
174
On market date
February 19, 2026
Stories
N/A
Total bathrooms
3
Garage spaces
2
Parking spaces
N/A
Lot size
0.11 acres
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Nearby schools

Within 10 miles. School directory data from the National Center for Education Statistics (NCES), accessed via the Urban Institute Education Data API. Local Score is calculated by INNOVATE Real Estate; where a state rating is shown, it comes from that state's own official school report card (e.g. NC Dept. of Public Instruction, SC Report Card).

Elementary
HARMONY COMMUNITY SCHOOL
1.05 mi away · Grades -1-5
Nearest school -- attendance-zone data not available here
3.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
910
Student:teacher ratio
17.5:1
District
OSCEOLA
Middle
HARMONY MIDDLE SCHOOL
1.66 mi away · Grades 6-8
Nearest school -- attendance-zone data not available here
2.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
944
Student:teacher ratio
19.7:1
District
OSCEOLA
High
HARMONY HIGH SCHOOL
1.41 mi away · Grades 9-12
Nearest school -- attendance-zone data not available here
1.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
2,594
Student:teacher ratio
24.2:1
District
OSCEOLA

Walkability

Blended score for ST CLOUD's center, calculated by INNOVATE Real Estate from two sources: the EPA's National Walkability Index (street network, transit, land-use mix) and Google Places amenity data (what's actually reachable on foot from this point). 60% EPA National Walkability Index + 40% nearby-amenity density (Google Places).

16
Very car-dependent
out of 100
EPA National Walkability Index
5.2 / 20 -- Least walkable
Google Places amenity density
0 / 100
Restaurants & cafes0
Grocery stores0
Parks0
Schools0
Transit stops0
Pharmacies0

Market position

How this listing compares to current activity in ST CLOUD, from live MLS data.

On the market 174 days -- 61 more days than ST CLOUD's current average of 113 days.
For reference, the median list price across 1,870 active listings in ST CLOUD right now is $375,000.

Mortgage calculator

Estimate only - actual rate and payment depend on your lender, credit, and loan program.

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Est. monthly payment
$2,739/mo
$85,980 down
$343,920 loan
Principal & interest$2,231
Property tax (est.)$358
Home insurance (est.)$150

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Data source: Listing information provided by Stellar MLS (mfrmls) via Trestle/CoreLogic. Last updated August 12, 2026.

Information herein deemed reliable but not guaranteed; all measurements, school assignments, HOA fees, taxes, and feature lists are approximate and should be independently verified. Equal Housing Opportunity.