listed Oct 29, 2025Single Family Residence▼ Price cut: $26,000 (9/25)
$559,000
4-Bedroom Pool Home in HAMMOCK POINTE
5260 Hammock Circle, St Cloud, FL 34771
Single Family Residence in HAMMOCK POINTE, ST CLOUD · No CDD on record
HAMMOCK POINTE · St Cloud, FL 34771 · Osceola County
Listing data checked against the MLS November 3, 2026 at 2:33 PM ET · rechecked hourly
Listed by THE PROPERTY PROS REAL ESTATE (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
4Bedrooms
2.5Bathrooms
2,676Sq Ft
1994Year Built
$209Per Sq Ft
Private pool2-car garageNo CDD on record4 bedrooms
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
12% below
$/sq ft vs community
$209 here vs $238 median sold (12 mo)
Buyer leverage
Buyer advantage
370 days on market
6.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone AE
Flood risk
Confirm requirements with FEMA; ~62 ft elevation
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
5260 Hammock Circle in Hammock Pointe, St Cloud is listed at $559,000 (2,676 sq ft, about $209 per sq ft). That sits within a few percent of Hammock Pointe's median closed sale of $548,000 over the last 12 months (4 recorded sales). Per square foot it is below the community's recent $238/sq ft by about 12%. It has been listed Oct 29, 2025, longer than the community's typical 22 days to contract. Listing facts: built in 1994, a private pool, HOA dues of $83/mo. The parcel maps to FEMA flood zone AE, a special flood hazard area where lenders generally require flood insurance. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1994 · 32 yrs
2,676 sq ft of living area
2-car garage
Listed at $559,000 — recent neighborhood median sale price ~$548,000 (nearby sales; deemed reliable, not an appraisal)
listed Oct 29, 2025
HOA $83/mo (per listing)
Listing description
About this home
Tremendous value! Discover this stunning well-appointed pool home nestled in the highly desirable Hammock Pointe neighborhood at 5260 Hammock Circle, St. Cloud, FL 34771, situated between Lake Nona and St.
Cloud. Priced to sell, this custom-built model 4 bedroom 2.5 bathroom home boasts 2,676 sq ft of heated living space and features a spacious open floor plan, perfect for comfortable living and entertaining! Nice front patio with pavers and mature landscaping add to this home’s curb appeal.
The gunite pool was just resurfaced in Sept 2026! Floorplan Features: Spacious floorplan with 10-ft ceilings and an elegant foyer with double leaded-glass doors. Formal dining, living, office, new laminate flooring, 2-way glass fireplace, dedicated laundry room w/sink, large open kitchen with all new GE stainless steel appliances, oversized island with sliding shelves, and pantry, making it ideal for that creative chef who loves to entertain.
The 3 large two-way slider doors in the main living area provide a picturesque view of the luxury pool and patio. Large master bedroom with bay window and sitting area, plus ensuite bathroom complete with 3 sinks, stall shower with seat and new glass doors, sunken tub, new toilet in its own private closet, & a walk-in closet. Additional slider door leading to pool area from the master bedroom.
On the opposite side of this open split plan home are the 3 auxiliary bedrooms plus a full bathroom with direct access to the pool. This beautiful home exudes Florida living at its best. Other upgrades include 2 central air/heat systems that were just replaced, central vacuum, tile flooring, ceiling fans, brand new dishwasher and over-the-range microwave, spacious 2-car garage, and a very recently professionally painted exterior!
Equipped with irrigation system/timer, gutters, and a private fenced-in backyard oasis with lush mature landscaping, this home has got it all. The very low HOA dues, payable twice a year, INCLUDE the WATER, trash pickup, maintenance of community grounds, street lighting, and street sweeping. Located in an A-rated school district and close to Lake Nona Medical Center, Orlando Int’l Airport, and plenty of shopping and dining spots, this home offers the perfect blend of luxury, convenience, and community amenities.
Schedule your showing today and don’t miss out on the opportunity to make this exceptional property your new home.
All 40 photos
Description provided by THE PROPERTY PROS REAL ESTATE and reproduced from the MLS; not independently verified.
Listing courtesy of THE PROPERTY PROS REAL ESTATE · Listing agent: Tanya Friedman · 813-382-8288Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed by the MLS to be accurate.
The Messtimate™ · automated estimate
The Messtimate
Our automated estimate of the likely sale-price range for this home — modeled from recent closed sales nearby adjusted to today's market, a local size-and-age model, and the county tax roll. It is an estimate, not an appraisal, not market value, and not an offer. A licensed agent's CMA sees the condition, the lot, and the live market that a model can't.
$424,300the mess$567,500
Strong local evidence — built from 20 comparable closed sales within about 3 miles (same property type, closed within the last 18 months, each adjusted to today's market).
Track record: across 2,796 recent closed sales we scored, the closed price landed inside the Messtimate range 56% of the time; median miss 9.2% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-11-03.
Actual list price: $559,000 ($209/sq ft) — the seller's asking price is not an input to this range; compare the two.
A 34% spread on the same house — here is what a model can't see:
Condition & updates — a 1994 home may have had its roof, kitchen, or HVAC replaced since, or not; the model can't see either.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one.
The pool — a private pool carries cost and value the model only sees through the comps.
Carrying costs & concessions — this home carries HOA dues of $83/mo; insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.
And what the live market is doing right now:
This home: listed Oct 29, 2025 on market vs. a 22-day community median
7 active listings competing
≈6.0 months of supply
6 closed here in the last 12 months
Want a property-specific value from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market.
Methodology: 20th–80th percentile band combining time-adjusted $/sq ft of comparable closed sales (20) + tax-roll just value × local sale-to-roll ratio (2 sales, double weight); MLS closed-sale records and the FL DOR 2025 certified tax roll. Automated valuation model output for general information only — not an appraisal, not market value, not an offer, and not reviewed by a licensed appraiser. Updated November 3, 2026.
How it stacks up
Comparable recent sales
6 closed sales within about 3 miles in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Sold May 2026
$580,000
5000 HARTWELL COURT, ST CLOUD
4 / 2.5 bd/ba · 2,675 sq ft · $217/sq ft
Courtesy of KELLER WILLIAMS REALTY AT THE PARKS · View details →
Sold May 2026
$490,000
5271 BRYDON WOODS CIRCLE, ST CLOUD
5 / 3 bd/ba · 2,677 sq ft · $183/sq ft
Courtesy of ATRIUM REALTY, LLC · View details →
Sold May 2026
$635,000
14773 MILFOIL AVENUE, ORLANDO
4 / 3.5 bd/ba · 2,670 sq ft · $238/sq ft
Courtesy of KELLER WILLIAMS REALTY AT THE LAKES · View details →
Sold Aug 2026
$484,785
3261 ZUNI ROAD, ST CLOUD
5 / 3 bd/ba · 2,683 sq ft · $181/sq ft
Courtesy of LENNAR REALTY · View details →
Sold Oct 2026
$473,990
3273 ZUNI ROAD, ST CLOUD
5 / 3 bd/ba · 2,683 sq ft · $177/sq ft
Courtesy of LENNAR REALTY · View details →
Sold Oct 2026
$505,295
5630 RONIN DRIVE, ST CLOUD
5 / 3 bd/ba · 2,683 sq ft · $188/sq ft
Courtesy of LENNAR REALTY · View details →
Median of these 6 sales: $548,000 ($238/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$559,000
Bed / bath4 / 2.5
Living area2,676 sq ft
Year built1994
Property typeSingle Family Residence
Garage2-car
PoolYes
MLS #TB8428256
Listing statuslisted Oct 29, 2025
Public records & third-party data
FEMA flood zoneZone AE
Ground elevation~62 ft
CountyOsceola
Area listings3 active · 1 under contract
Estimated first-year tax~$7,750/yr
CDD assessmentNone on record
HOA$83/mo
Calculated estimates
Price per sq ft$209
Estimated monthly payment$4,048
Insurance (illustrative)$2k–$4k/yr
Messtimate range$484,356 – $580,692
Comparable-sales median$548,000
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$4,048/mo
Principal & interest $3,048/mo75%
Taxes $646/mo16%
Insurance $272/mo7%
HOA $83/mo2%
$4,048/mo at 20% down, 30-yr @ 7.24% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × Osceola County rate (15.23 mills, county-average millage, 2025; verify with the property appraiser). Not a bill.
⚠️
Property taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Current owner’s estimated bill $6,425/yr ($535/mo) — taxable value $422,278 × 15.23 mills
$1,325 more each year
(+21%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$50,722
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
$473,000
Market value
$473,000
Assessed
$422,278
Taxable
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Sources: Florida DOR certified tax roll (2025), Stellar MLS; millage: Florida TaxWatch 2025 How Florida Counties Compare (county-average millage); school portion estimated at ~42% of total, capped at 6.50 mills. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 5260 Hammock Circle
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
Property tax
The current owner's bill is about $6,425/yr (certified county roll, taxable value × millage). Buy at the asking price of $559,000 and the first-year bill resets to about $7,750/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 15.23 mills (county-average millage, estimate)); Save Our Homes caps later increases at 3%/yr.
HOA dues
$83/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close.
Home and flood insurance
The average Citizens Property Insurance premium in Osceola County is $1,735/yr (2,188 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $2,500–$4,500/yr; neither is a quote. Flood: this address maps to FEMA zone AE, a high-risk zone where flood insurance is required with a federally backed mortgage. Statewide, a zone A/AE/VE flood policy runs about $1,200–$2,500/yr (FEMA Risk Rating 2.0 averages, not a quote).
Roof and age
Built in 1994. An original roof would be about 32 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date.
Estimated carrying cost at the asking price, before the mortgage: about $873/month (tax $646, HOA $83, insurance $145). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$2k–$4k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone AE — confirm flood coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
$83/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone AE
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Ground elevation
~62 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
County hazard risk ratings (FEMA National Risk Index, county level)
Hazard risk
Natural hazard risk
FEMA National Risk Index for Osceola County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneRelatively High
Inland floodingRelatively Moderate
Heat waveRelatively Low
WildfireRelatively Moderate
TornadoRelatively High
LightningVery High
Strong windVery High
DroughtRelatively Low
HailVery Low
Cold waveRelatively Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband — how to check availability for this address
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · Hammock Pointe
Pricing & the Hammock Pointe market
How this home is priced against recent nearby sales, and where Hammock Pointe has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in Hammock Pointe
Each dot is a closed sale since 2006 (59 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). Stellar MLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2015–2026. This home lists at $209/sq ft.
Median sale price by year
12-month median closed price, 2015–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2016–2026. Now 51 (normal).
Property timeline
This home’s history
1994BuiltPer public record
About Oct 2025Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (listed about Oct 29, 2025)
Aug 4, 2026First seen on movewithmomentum.comObserved at $585,000
Sep 25, 2026Price cut$559,000 (-$26,000, -4.4%)
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Transparency
Price & listing history
Listed for $559,000THE PROPERTY PROS REAL ESTATE · listed Oct 29, 2025
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Momentum Scores
Momentum Property Score
53/100
Strongest on: Price vs area (80), Pricing power (58)
0 limited50100 exceptional
53/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area80
This home $209/sq ft vs the community 12-month median $238/sq ft.
Affordability47
List price $559,000 vs the community median $548,000. Not a measure of personal affordability.
Flood safety50
FEMA Zone AE, ~62 ft elevation. Verify the parcel with FEMA.
Insurance cost30
From FEMA Zone AE and a 1994 build. Obtain a property-specific quote.
Market liquidity55
Community median 22 days on market, ~6.0 months of supply (12-month record).
Pricing power58
Recent sales closed at about 96.4% of original asking (~3.6% below). More room below asking generally favors buyers.
Market timing49
Momentum Market Heat is 51/100 (normal). Cooler readings generally favor buyers; hotter readings favor sellers.
Coverage: 7 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟢 Buyer-leaning conditions around this listing. 6.0 months of supply in the surrounding market and 370 days on market for this home, against a 22-day area median.Days on market:this home 370Area median: 22 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Based on Stellar MLS data distributed by MLS GRID for the period 2006 through 2026. As of September 20, 2026.
🟡 Asking $209 per square foot, about 12% below the community’s $238 median. Hammock Pointe’s 12-month median sold price per square foot is $238. Median sold price per square foot is down 2.4% year over year. Confidence: Low · 4 closed sales in 12 monthsMLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
85% of homes in Hammock Pointe are owner-occupied. An estimated 15% are non-owner-occupied, including 7% held in a company or trust and 2% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 123 homes matched. Community-level context.
Recent Hammock Pointe sales closed near 96.4% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Stellar MLS records, community-level, 12 months ending September 20, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 3 active listings in Hammock Pointe, no CDD assessment.
Checked against the MLS November 3, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by THE PROPERTY PROS REAL ESTATE · MLS # TB8428256
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Keep looking
Similar homes for sale near HAMMOCK POINTE
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Oct 2026 · Parks Amenities
145,000 sq ft All Sports Dome planned on Gus Road in Kissimmee
All Sports Dome Southeast plans a climate-controlled indoor inflatable dome at 3070 Gus Road with multi-sport courts, turf fields and training areas. It would be the brand's first Greater Orlando location, with an opening expected in 2027 and no exact date given.
Why it matters: An indoor sports venue would add year-round recreation and event space on Kissimmee's Gus Road area. The project is about 9 miles northwest of Hammock Pointe, elsewhere in Osceola County.
Turnpike widening in Osceola County runs ahead of schedule at Fortune Road Bridge
Steel beams for the new westbound Fortune Road Bridge are in place a month early as Florida's Turnpike is widened from two to four lanes each way between Partin Settlement Road and Osceola Parkway. Westbound bridge traffic is expected at the start of 2027, and the broader project targets 2031. The bridge adds bike lanes and sidewalks.
Why it matters: Doubling Turnpike capacity through this stretch should ease regional commutes between Kissimmee and the Orlando area once complete. The project is about 10 miles north of Hammock Pointe, elsewhere in Osceola County.
Experience Kissimmee launches Film Kissimmee commission to recruit productions
The new film commission markets Osceola County to production companies through an online database of more than 100 filming locations and has hired a location manager. Leaders say productions could become a new economic driver, citing spending on hotels, vehicles, food and crew services.
Why it matters: Film work could add temporary jobs and visitor spending for hospitality and service businesses across Osceola County. The site is about 10 miles north of Hammock Pointe.
CFX holds public meetings on 14-mile toll road through part of Split Oak Forest
The Central Florida Expressway Authority held public meetings on Sept. 16 and 17 for a 14-mile road from State Road 417 near Boggy Creek Road in Orange County to Nova Road in Osceola County. CFX says portions could begin construction next year and that the road would ease traffic on Narcoossee Road. The agency faces a legal challenge from Orange County and is pursuing an eminent domain case.
Why it matters: If built, the road would add a new east-west route between Lake Nona and St. Cloud, changing commute options and access to east Orange and Osceola land. The project is about 19 miles northeast of Hammock Pointe, elsewhere in Osceola County.
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Schools currently assigned to this address in Osceola County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
GRADEA
Narcoossee ElementaryAssigned elementary school · Osceola County School District · Grade A (Florida DOE 2025-26)
GRADEA
Narcoossee MiddleAssigned middle school · Osceola County School District · Grade A (Florida DOE 2025-26)
GRADEA
Tohopekaliga High SchoolAssigned high school · Osceola County School District · Grade A (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
City
ST CLOUD
Groceries, dining, and parks for this city — see the city guide.
Items worth confirming for 5260 Hammock Circle, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1994 (32 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
HOA dues are listed at $83/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
FEMA flood zone AE: lenders generally require flood insurance here — get an elevation certificate and a flood quote before the inspection period ends.
Get a homeowners insurance quote for this specific address in Osceola County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Private pool: confirm the barrier or alarm meets the state residential pool safety code and ask for pump, heater, and resurfacing records.
Listed living area is 2,676 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $7,750/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,325 more per year than the current owner’s estimated bill (+21%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Provenance
Data sources & freshness
Listing record
Stellar MLS, checked against the MLS hourly (last: November 3, 2026)
Comparable sales
Stellar MLS closed sales within about 3 miles, last 18 months, as of September 20, 2026
Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 5260 Hammock Circle and when was it built?
Per the listing record, 5260 Hammock Circle was built in 1994 and has 2,676 sq ft of living area, 4 bedrooms and 2.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 5260 Hammock Circle in?
5260 Hammock Circle is in Hammock Pointe in St Cloud, Osceola County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 5260 Hammock Circle have an HOA, and how much are the dues?
The listing reports HOA dues of $83 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 5260 Hammock Circle differ from the current owner's?
The estimate on this page (about $7,750 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,325 more per year than the current owner’s estimated bill (+21%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 5260 Hammock Circle in a flood zone?
The FEMA flood map places this parcel in Zone AE, a special flood hazard area where lenders generally require flood insurance on a mortgaged purchase. Confirm the parcel's status with FEMA and your insurer, and ask for an elevation certificate.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
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Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email jon@movewithmomentum.com and we will review and correct or remove it promptly.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. 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. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
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1 / 1 photosListing courtesy of THE PROPERTY PROS REAL ESTATE
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
