3504 Cayugas Loop

St. Cloud, FL 34772

$412,000
Last Sold Price
4
Beds
2,317 Sq. Ft.
$178 / Sq. Ft.
2,317
Sq. Ft.
$178
per Sq. Ft.
Sold 10/31/25
Sold 10/31/25
a front view of a house with a garden and plants

Description

Welcome to this stunning 4-bedroom, 2-bathroom home with a 3-car garage, nestled on a serene conservation lot in St. Cloud’s sought-after Mallard Pond community. Featuring a paver driveway, upgraded finishes, and an open split floor plan, this home is designed for modern comfort and style. Inside, you'll find spacious formal living and dining areas, a large family room ideal for gatherings, and a gourmet kitchen with upgraded cabinetry, premium countertops, and a generous island—perfect for the home...Welcome to this stunning 4-bedroom, 2-bathroom home with a 3-car garage, nestled on a serene conservation lot in St. Cloud’s sought-after Mallard Pond community. Featuring a paver driveway, upgraded finishes, and an open split floor plan, this home is designed for modern comfort and style. Inside, you'll find spacious formal living and dining areas, a large family room ideal for gatherings, and a gourmet kitchen with upgraded cabinetry, premium countertops, and a generous island—perfect for the home chef. Stylish tile flooring flows throughout, with plush carpet in the bedrooms for added comfort. The luxurious primary suite offers a spa-like retreat with a garden tub, walk-in shower, private water closet with bidet, and a massive walk-in closet. The split layout provides privacy, with secondary bedrooms and a double-sink bathroom with a separate shower and water closet. Enjoy the outdoors in the expansive screened-in lanai overlooking lush gardens and peaceful conservation views. With ample storage and meticulous upkeep, this move-in-ready home truly has it all. Conveniently located near Publix, Walmart Marketplace, the upcoming Aldi, top-rated schools, hospitals, dining, and with easy Turnpike access. Low HOA and a beautifully maintained community this home is a must-see! Call today for your private tour!

Property Details for 3504 Cayugas Loop

Subdivision Name
MALLARD POND PH 4B
Township
26
Garage Spaces
3
Waterfront
No
LISTING UPDATED: 10/31/2025 04:44 PM

Property Details for 3504 Cayugas Loop

StatusSold
MLS #O6320478
Days on Market103
Taxes$3,163 / year
HOA Fees$792 / year
Condo/Co-op Fees-
Compass TypeSingle Family
MLS TypeResidential / Single Family Residence
Year Built2015
Lot Size0.20 AC / 8,712 SF
CountyOsceola County

Location

Listing Courtesy of EXP REALTY LLC, Phil Mariani; EXP REALTY LLC, Yuliya Mariani

Sold By IAD FLORIDA LLC, Kristy Hall

Add your commute

Building Information for 3504 Cayugas Loop

Stories-Year Built2015Building Size-Lot Size0.20 AC / 8,712 SF

Payment Calculator

$2,338 per month

30 year fixed, 6.15% Interest

Principal and Interest

$2,008

Property Taxes

$264

HOA Dues

$66

The Payment Calculator is for illustrative purposes only.

Property Information for 3504 Cayugas Loop

Summary
Location and General Information
  • Building Area Source: Public Records
  • Building Area Total: 3115.0
  • Building Area Units: Square Feet
  • Direction Faces: Northwest
  • Directions: Take Exit 240, then turn right onto Florida National Scenic Trail / Old Canoe Creek Road. Continue on Old Canoe Creek Road and turn right onto Mallard Pond Boulevard. Next, turn left onto Cayugas Loop. The house will be on your right.
  • Elementary School: St Cloud Elem
  • Middle Or Junior School: St. Cloud Middle (6-8)
  • High School: Harmony High
  • Mls Major Change Type: Sold
  • Major Change Type: Closed
  • Listing Service: Full Service
  • Senior Community: No
  • Unit Number: No
  • Street Number: 3504
  • Street Name: CAYUGAS
  • Street Suffix: LOOP
  • State: FL
  • City: ST CLOUD
Parking
  • Attached Garage: Yes
  • Carport: No
  • Garage Dimensions: 29x22
  • Garage: Yes
  • Parking Features: Garage Door Opener, Oversized
Taxes and HOA Information
  • Association Approval Required: No
  • Association Fee Requirement: Required
  • Association Name: Vista Community Association Mgmt / Carl Thompson
  • Association Phone: 407-682-3443
  • Association: Yes
  • CDD: No
  • Pet Restrictions: New buyer to verify any and all pet restrictions with HOA.
  • Tax Block: 1
  • Tax Book Number: 23-1
  • Tax Legal Description: MALLARD POND PH 4B PB 23 PG 1-4 LOT 524
  • Tax Lot: 524
  • Tax Year: 2024
Property
Lot Information
  • Additional Parcels: No
  • Parcel Number: 272630018000015240
  • Total Acreage: 0 to less than 1/4
  • Water Access: No
  • Water Extras: No
  • Zoning: PUD
  • Living Area: 2317
Property and Assessments
  • Year Built Numeric: 2015
  • Flood Zone Code: X
  • Flood Zone Date: 06-18-2013
  • Flood Zone Panel: 12097C0260G
  • Homestead: Yes
  • New Construction: No
  • Public Survey Range: 30
  • Public Survey Section: 27
Utilities
  • Sewer: Public Sewer
  • Utilities: BB/HS Internet Available, Cable Available, Electricity Connected, Phone Available, Public, Sewer Connected, Water Connected
  • Water Source: Public
Interior and Exterior Features
Exterior Features
  • Construction Materials: Block, Concrete, Stucco
  • Exterior Features: Irrigation System, Sidewalk, Sliding Doors
  • Foundation Details: Slab
  • Levels: One
  • Patio And Porch Features: Covered, Screened
  • Pool Private: No
  • Pool: None
  • Pool Private: No
  • Roof: Shingle
  • Waterfront Feet Total: 0
Interior Features
  • Bedrooms Total: 4
  • Bathrooms Full: 2
  • Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
  • Cooling: Central Air
  • Fireplace: No
  • Flooring: Carpet, Ceramic Tile
  • Heating: Central, Electric
  • Interior Features: Ceiling Fan(s), Kitchen/Family Room Combo, Open Floorplan, Solid Surface Counters, Thermostat, Walk-In Closet(s)
  • Laundry Features: Electric Dryer Hookup, Inside, Laundry Room, Washer Hookup
  • Living Area Source: Public Records
  • Living Area Units: Square Feet
  • Room Count: 8.0
  • Water View: No
  • Bathrooms Half: 0
Rental
Rental Information
  • Minimum Lease Period: 0
  • Pets Allowed: Yes

Property History for 3504 Cayugas Loop

DateEvent & SourcePriceAppreciation
Oct 31, 2025

Sold (Public Record)

Public Record #1918242687

$412,000

+4.0% / yr

Oct 31, 2025

Sold

MFRMLS #O6320478

$412,000—
Oct 1, 2025

Pending

MFRMLS #O6320478

—
Sep 9, 2025

Price Change

MFRMLS #O6320478

$420,000—
Jul 8, 2025

Price Change

MFRMLS #O6320478

$455,000—
Jun 20, 2025

Listed (Active)

MFRMLS #O6320478

$480,000—
May 14, 2025

Expired

MFRMLS #O6281086

$480,000—
Feb 14, 2025

Listed (Active)

MFRMLS #O6281086

$480,000—
Feb 17, 2015

Sold (Public Record)

Public Record #489293955

$270,108—
DateEvent & SourcePrice
10/31/2025

Sold (Public Record)

Public Record #1918242687

$412,000

+4.0% / yr

10/31/2025

Sold

MFRMLS #O6320478

$412,000
10/01/2025

Pending

MFRMLS #O6320478

—
09/09/2025

Price Change

MFRMLS #O6320478

$420,000
07/08/2025

Price Change

MFRMLS #O6320478

$455,000
06/20/2025

Listed (Active)

MFRMLS #O6320478

$480,000
05/14/2025

Expired

MFRMLS #O6281086

$480,000
02/14/2025

Listed (Active)

MFRMLS #O6281086

$480,000
02/17/2015

Sold (Public Record)

Public Record #489293955

$270,108

For completeness, Compass often displays two records for one sale: the MLS record and the public record.

Public Records for 3504 Cayugas Loop

Taxable ValueLand-Additions-Total-
Tax Record2025$3,282 ($274 / month)
Home Facts
Beds4Baths2Total Finished SqFt2,317 SqFtAbove Grade Finished SqFt2,317 SqFtStories1Lot Size8,712 SqFtStyleSingle Family ResidenceYear Built2015CountyOSCEOLAAPN272630018000015240

Schools near 3504 Cayugas Loop

This home is within The School District of Osceola County.
Rating
School
Type
Grades
Distance
St. Cloud Elementary School
Public - PK to 5
St. Cloud Middle School
Public - 6 to 8
Harmony High School
Public - 9 to 12
Canoe Creek Charter Academy
Charter - PK to 8
Rating
School
Distance
St. Cloud Elementary School
PublicPK to 5

St. Cloud Middle School
Public6 to 8

Harmony High School
Public9 to 12

Canoe Creek Charter Academy
CharterPK to 8

School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.

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No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of descriptions or measurements (including square footage measurements and property condition), such should be independently verified, and Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties expressly disclaims any liability in connection therewith. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions. Offers of compensation are subject to change at the discretion of the seller. No financial or legal advice provided. Equal Housing Opportunity.

Listing Courtesy of EXP REALTY LLC, Phil Mariani; EXP REALTY LLC, Yuliya Mariani

The information being provided by MFRMLS and Daytona Multiple Listing Service is for the consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties the consumer may be interested in purchasing. Any information relating to real estate for sale referenced on this web site comes from the Internet Data Exchange (IDX) program of MFRMLS or Daytona Multiple Listing Service. Real estate listings held by brokerage firms other than this site owner are marked with the IDX/MLS logo. Information deemed reliable but is not guaranteed accurate by MFRMLS or Daytona Multiple Listing Service. Last updated: 10/31/2025 04:44 PM