Single Family Residence at 3102 GARDEN CT, ST CLOUD
Single Family Residence at 3102 GARDEN CT, ST CLOUD, photo 2 of 24
Single Family Residence at 3102 GARDEN CT, ST CLOUD, photo 3 of 24
Deep Single bowl kitchen sink, Underlight cabinetry with hardware, backsplash - 3102 GARDEN CT, ST CLOUD
Renovated kitchen with Stainless Steel Appliances, Granite countertops, breakfast bar with pendant lighting, - 3102 GARDEN CT, ST CLOUD
Breakfast bar overlooking the Livingroom FrenchDoors - 3102 GARDEN CT, ST CLOUD
Split Floorplan - 3102 GARDEN CT, ST CLOUD
Furniture virtually removed - 3102 GARDEN CT, ST CLOUD
Open Floor-Plan Kitchen Living Room Combo - 3102 GARDEN CT, ST CLOUD
Spacious Living Room - 3102 GARDEN CT, ST CLOUD
Primary Bedroom - 3102 GARDEN CT, ST CLOUD
Primary Bedroom with Natural lighting - 3102 GARDEN CT, ST CLOUD
Primary Bedroom - 3102 GARDEN CT, ST CLOUD
Primary Bathroom with Stand alone shower - 3102 GARDEN CT, ST CLOUD
Open Floor Plan - 3102 GARDEN CT, ST CLOUD
Bedroom 2 Natural Lighting - 3102 GARDEN CT, ST CLOUD
Bathroom 2 - 3102 GARDEN CT, ST CLOUD
Bedroom 3 - 3102 GARDEN CT, ST CLOUD
Screened Lanai with ceiling fan, Elevated Ceiling, French doors - 3102 GARDEN CT, ST CLOUD
Screened Lanai with ceiling Fan - 3102 GARDEN CT, ST CLOUD
Fenced Backyard - 3102 GARDEN CT, ST CLOUD
Spacious fenced backyard - 3102 GARDEN CT, ST CLOUD
Large Corner Lot - 3102 GARDEN CT, ST CLOUD
Single Family Residence at 3102 GARDEN CT, ST CLOUD, photo 24 of 24
24 photos

$329,000

3102 GARDEN CT
ST CLOUD, FL 34769
Listed by LPT REALTY, LLC
Bedrooms
3
Bathrooms
2
Living area
1,260 sqft
Year built
1989

About this home

Looking for a MOVE-IN-READY first home or to downsize into a lovely community just minutes from Lakefront Park and Downtown St. Cloud? Look no further than The Gardens! Welcome to this WELL-MAINTAINED 3-bedroom, 2-bath home where charm, character and a SPACIOUS LOT come together to create the perfect place to call home. With NO HOA, *ROOF Dec 2025*HVAC 2017* this property provides the peace of mind and flexibility to truly make it your own. The interior delivers OPEN CONCEPT living with tile throughout the main living areas and a SPLIT- BEDROOM PLAN. The kitchen shines with granite countertops, STAINLESS STEEL APPLIANCES, a breakfast bar with pendant lighting, under cabinet lighting and an over sink window for great natural light! The spacious PRIMARY SUITE includes a WALK-IN CLOSET and en-suite bath, while bedrooms two and three share a full bath on the other side of the home. Situated on a premium CORNER LOT enjoy adorable CURB APPEAL, an EXTENDED COVERED LANAI and FULLY FENCED backyard providing privacy and the perfect space for relaxing or entertaining. Call today to schedule a tour and fall in love with your new HOME SWEET HOME!

Property details

MLS #
MFRO6411880
Property type
Single Family Residence
Subdivision
THE GARDENS
Status
Active
Days on market
88
On market date
May 29, 2026
Stories
N/A
Total bathrooms
2
Garage spaces
2
Parking spaces
N/A
Lot size
0.18 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
LAKEVIEW ELEMENTARY SCHOOL
0.11 mi away · Grades -1-5
Nearest school -- attendance-zone data not available here
4.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
704
Student:teacher ratio
14.7:1
District
OSCEOLA
Middle
NEPTUNE MIDDLE SCHOOL
1.87 mi away · Grades 6-8
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
1,005
Student:teacher ratio
16.8:1
District
OSCEOLA
High
OSCEOLA TECHNICAL COLLEGE ST CLOUD CAMPUS
0.81 mi away · Grades 11-12
Nearest school -- attendance-zone data not available here
5.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
0
Student:teacher ratio
0.0:1
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).

89
Highly walkable
out of 100
EPA National Walkability Index
16.3 / 20 -- Most walkable
Google Places amenity density
100 / 100
Restaurants & cafes20
Grocery stores7
Parks3
Schools12
Transit stops17
Pharmacies8

Market position

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

On the market 88 days -- 24 fewer days than ST CLOUD's current average of 112 days.
For reference, the median list price across 1,876 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
$2,131/mo
$65,800 down
$263,200 loan
Principal & interest$1,707
Property tax (est.)$274
Home insurance (est.)$150

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Data source: Listing information provided by Stellar MLS (mfrmls) via Trestle/CoreLogic. Last updated August 28, 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.