560 EDEN DRIVE, ST CLOUD, FL, 34771
Active83 days on marketListed May 1, 2026MLS #O6404064
About this home
560 EDEN DRIVE
Completely remodeled and secluded one story LAKEFRONT home with a boat dock + NO HOA. Everything inside is brand new and extremely clean, including all top appliances, bathrooms and kitchen. Huge lot with so much privacy. Beautiful lighting, dimmers around home, brand new ROOF and hybrid flooring. Covered screened porch includes an incredible rock flooring and exterior features poured concrete. Two sheds for storage, driveway with pickleball court ready to set up. Brand new High School across the street Nova Rd, and future project connecting area to everywhere in less than 15 minutes. Growth potential, peace, clean and water access, plus so much more!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,360
Sqft
0.58 ac
Lot size
1998
Year built
One
Levels
$294
Per sqft
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.
$4,652 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,652/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+22.6%
$/sqft vs ACREAGE & UNREC
$294 vs $382
Days on market
83 vs 33 typical
Where $294/sqft sits among the 117 homes for sale in ACREAGE & UNREC
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside St Cloud
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
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)
42 of 117
ACREAGE & UNREC have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 63% above the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 560 EDEN DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$500,000
560 EDEN DRIVE · same community
3 bd · 2 ba · 2,360 sqft · $212/sqft · 350 DOM
Sold · Dec ’25$742,500
2391 LIPPINCOTT ROAD · same community
3 bd · 2 ba · 2,303 sqft · $322/sqft · 46 DOM
Sold · Dec ’25$463,000
4424 MORRIS DRIVE · same community
3 bd · 2 ba · 2,295 sqft · $202/sqft · 183 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
Lyra Rae
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 560 EDEN DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 560 EDEN DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Lyra's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
560 EDEN DRIVE FAQs
What would the monthly payment be for 560 EDEN DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,652/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 560 EDEN DRIVE?+
The most recent tax bill on record (2025) was $5,773. 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 $695,000, this home is listed about 64% above the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 560 EDEN DRIVE?+
Lakeview 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
Three things that matter here
01Positioned at the premium end
$695,000 runs 63% above the ST CLOUD 34771 median — but at 2,360 sqft it's also 19% larger than the typical St Cloud listing.
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
83 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of I LOVE ORLANDO REALTY INC · Felipe De Souza. MLS #O6404064.
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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