6370 CARROLL CIRCLE, ST CLOUD, FL, 34771
Active197 days on marketListed Dec 26, 2025MLS #O6368360
About this home
6370 CARROLL CIRCLE
Canal-front lot offering direct water access to Lake Lizzie and the sought-after Alligator Chain of Lakes, known for boating, fishing, and outdoor recreation. This approximately 0.16-acre homesite is situated on a quiet street and provides a rare opportunity to enjoy a true Florida waterfront lifestyle, with the ability to kayak, fish, or cruise from your backyard through the connected lakes. Zoned for residential use, with no HOA and electric available. Conveniently located within easy reach of St. Cloud, Lake Nona, and major roadways, and approximately one hour’s drive to the Atlantic beaches, this property offers a unique blend of privacy, recreation, and accessibility. Prior residence existed on the site, which may provide potential impact fee savings for a new build Buyer and buyer’s agent to verify all information, including zoning, measurements, conditions of existing septic tank and well, and water navigability.
Facts & features
The home at a glance
0.16 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.
$1,183 /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
$1,183/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
Drive times from this address
Get to know St Cloud. See the full St Cloud guide →
ST CLOUD 34771 — neighborhood snapshot
Population
31,368
Median age
38.6
Median income
$101,434
Median home value
$427,500
Avg household
3.21
Households w/ children
4,183
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 67% below the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 6370 CARROLL CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’25$425,000
1760 CUNNINGHAM DRIVE · same community
2 bd · 2 ba · 1,708 sqft · $249/sqft · 3 DOM
Sold · May ’26$359,900
6088 LAMONTE STREET
3 bd · 2 ba · 1,388 sqft · $259/sqft · 54 DOM
Sold · Aug ’25$475,240
2030 EDUCATION STREET
4 bd · 3 ba · 1,500 sqft · $317/sqft · 0 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
Lacie Springstead
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 6370 CARROLL CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6370 CARROLL CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Lacie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
6370 CARROLL CIRCLE FAQs
What would the monthly payment be for 6370 CARROLL CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,183/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 6370 CARROLL CIRCLE?+
The most recent tax bill on record (2024) was $884. 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 $150,000, this home is listed about 65% 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 6370 CARROLL CIRCLE?+
Narcoossee Elementary School (elementary), Narcoossee Middle School (middle), Harmony High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the ST CLOUD 34771 market on paper
$150,000 is 67% below the ST CLOUD 34771 median of $459,000.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
197 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $175,000, now $150,000 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LOKATION · Ana Dos Santos. MLS #O6368360.
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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