LUNA DR, ST CLOUD, FL, 34773
Active571 days on marketListed Dec 26, 2024MLS #O6266784
About this home
LUNA DR
The 0.65-acre undeveloped land on Luna Drive in Saint Cloud, FL, is situated in the Canaveral Acres community, conveniently located off Highway 192 between St. Cloud and Melbourne. This property offers flexible options for your investment goals, with no HOA restrictions. Nearby amenities include the Holopaw Community Center, featuring a park, pavilions, play area, basketball and tennis courts, and scenic walking paths. Or you could buy the other lot next to it as well and you'll have 1.3 acres. The nearest Publix supermarket is located at 1951 S Narcoossee Rd, Saint Cloud, FL 34771, approximately 20 miles northwest of Luna Drive. This Publix offers a wide range of groceries, fresh produce, and other services to meet your shopping needs.
Facts & features
The home at a glance
0.65 ac
Lot size
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$389 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$389/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside St Cloud
Get to know St Cloud. See the full St Cloud guide →
ST CLOUD 34773 — neighborhood snapshot
Population
5,495
Median age
38.2
Median income
$64,498
Median home value
$312,500
Avg household
3.06
Households w/ children
629
For the school run
Osceola County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Cloud market
$414K → $400K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 89% below the ST CLOUD 34773 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near LUNA DR
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$265,000
9085 JUPITER DRIVE
2 bd · 1.5 ba · 784 sqft · $338/sqft · 0 DOM
Sold · Sep ’25$247,500
9075 LINCOLN ROAD
2 bd · 2 ba · 904 sqft · $274/sqft · 40 DOM
Sold · May ’26$234,000
5005 PIERRE AVENUE
3 bd · 2 ba · 960 sqft · $244/sqft · 8 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Julian Rivera
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about LUNA DR — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for LUNA DR — before you fall in love.
See it in person
Schedule a tour
Live availability from Julian's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
LUNA DR FAQs
What would the monthly payment be for LUNA DR?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $389/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on LUNA DR?+
The most recent tax bill on record (2024) was $90. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in St Cloud?+
At $35,000, this home is listed about 92% below the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to LUNA DR?+
Harmony High School (high), Harmony Community School (elementary), Narcoossee Middle School (middle) — Osceola County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the ST CLOUD 34773 market on paper
$35,000 is 89% below the ST CLOUD 34773 median of $305,999.
02Time on market is leverage
571 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Harmony High School, Harmony Community School, Narcoossee Middle School — Harmony Community School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Rocco Mohammad. MLS #O6266784.
IDX 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 accurate by Stellar MLS.
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