CENTURY 21 Edge
$349,990$359,9903 bd2.5 ba1,639 sqft$214 /sqft$2,843 /mo all-in ↓

1812 SHADOW BOX BEND, ST CLOUD, FL, 34771

Active74 days on marketListed May 7, 2026MLS #O6405893

Priced 17% below the ST CLOUD 34771 medianReduced $10KNew constructionSingle Family ResidenceBRACK RANCH

About this home

1812 SHADOW BOX BEND

Virtually Staged. Under Construction. Stanley Martin builds new construction homes in the Brack Ranch community in St. Cloud, Florida. This neighborhood is ideally located midway between downtown Orlando and the beaches of Florida's east coast. You'll have the best of both worlds- the excitement of the city and the tranquility of the coast right at your fingertips. Downtown Orlando and its famous theme parks are just 25 miles away, and I-95 is only 35 miles away, making for an easy commute. With easy access to SR-417, SR-528, US-192, and Florida's Turnpike, your commute will be a breeze. Plus, with Orlando International Airport just a 15-minute drive away, travel is a breeze. It's not just about the surroundings: Brack Ranch is packed with amenities designed to enhance your lifestyle. Take a dip in the pool, relax in our clubhouse, or explore the many hiking trails. The Mae, a brand-new 2-level single-family home design with a clever open-concept layout, a rear 2-car garage, and energy-efficient features is ideal for both hosting and unwinding. On the first floor is a roomy kitchen with a pantry for added storage, a dining area, a great room, and a powder room. Upstairs, discover a primary suite with a walk-in closet and a double vanity bath, along with a conveniently located laundry room to spare you from lugging clothes up and down the stairs. Utilize the two extra bedrooms upstairs for family or guests. *Photos are from a similar home.

Facts & features

The home at a glance

3

Bedrooms

2.5

Bathrooms

1,639

Sqft

0.09 ac

Lot size

2

Garage

2026

Year built

Two

Levels

$214

Per sqft

Pets allowed

Inside

FlooringCarpet · Ceramic Tile · Luxury Vinyl
AppliancesDishwasher · Disposal · Microwave · Range
InteriorEating Space In Kitchen · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · PrimaryBedroom Upstairs · Thermostat · Walk-In Closet(s)
LaundryElectric Dryer Hookup · Inside · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock · Stone · Stucco · Vinyl Siding
FoundationSlab
FacesWest
ExteriorIrrigation System · Lighting · Sliding Doors

Community & fees

HOA fee$93/mo
Taxes (2026)$4,499/yr
PetsYes
CommunityClubhouse · Deed Restrictions · Dog Park · Playground · Pool · Sidewalks

Utilities & systems

UtilitiesCable Available · Electricity Connected · Phone Available · Public · Sewer Connected · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.

$2,843 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,060
FHA mortgage insurance (est.)$155
Property tax — 2026 actual bill$375
HOA fee — from the listing$93
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $12,250Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $12,250
Interest rate6.00%
Loan term

Estimated payment

$2,843/mo

Principal & interest$2,060
FHA mortgage insurance (est.)$155
Property taxes (actual bill)$375
HOA / condo fee$93
Est. insurance$160

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.

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.

List $350K
$336KedgeAI estimate $372,965 · range $372K$376K$391K

vs edgeAI estimate

−6.2%

$/sqft vs BRACK RANCH

$214 vs $229

Days on market

74 vs 33 typical

Where $214/sqft sits among the 10 homes for sale in BRACK RANCH

1
1 · this home
4
1
0
3
$184–199$199–215$215–230$230–246$246–261$261+

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

Map of 1812 SHADOW BOX BEND

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

ElementaryLakeview Elementary School★★★★★
MiddleNarcoossee Middle School★★★★★
HighHarmony High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The St Cloud market

Seller’s marketBalanced6.2 months of inventoryBuyer’s market

$414K$400K

St Cloud median sold, yr/yr

98.4%

Sale-to-list ratio (12 mo)

10 of 10

BRACK RANCH have cut their price

Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 17% below the ST CLOUD 34771 median. See the full St Cloud market guide →

Paper trail

This home's history

CurrentPrice reduced to $349,990 $10K
May 7, 2026Listed at $359,990 · 74 days on market since
2026Built · BRACK RANCH

Reality check

What actually sold near 1812 SHADOW BOX BEND

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

5754 STOCKADE BOULEVARDSold · Jun ’26

$385,640

5754 STOCKADE BOULEVARD · same community

3 bd · 2.5 ba · 1,639 sqft · $235/sqft · 9 DOM

1961 HORSETAIL DRIVESold · Dec ’25

$424,990

1961 HORSETAIL DRIVE · same community

3 bd · 2 ba · 1,589 sqft · $267/sqft · 26 DOM

5650 STOCKADE BOULEVARDSold · Dec ’25

$394,185

5650 STOCKADE BOULEVARD · same community

3 bd · 2.5 ba · 1,760 sqft · $224/sqft · 46 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.

Iain Robinson

Your agent

Iain Robinson

Broker Associate · CENTURY 21 Edge

Tours, negotiation, and every question about 1812 SHADOW BOX BEND — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1812 SHADOW BOX BEND — before you fall in love.

See it in person

Schedule a tour

Live availability from Iain's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

1812 SHADOW BOX BEND FAQs

What would the monthly payment be for 1812 SHADOW BOX BEND?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,843/mo — principal and interest, the actual property-tax bill, the $93/mo association fee 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.

How much are the HOA fees at 1812 SHADOW BOX BEND?+

The association fee works out to $93 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 1812 SHADOW BOX BEND?+

The most recent tax bill on record (2026) was $4,499. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Are pets allowed at 1812 SHADOW BOX BEND?+

The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.

How does the price compare to other homes in St Cloud?+

At $349,990, this home is listed about 18% 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 1812 SHADOW BOX BEND?+

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

01Under the ST CLOUD 34771 market on paper

$349,990 is 17% below the ST CLOUD 34771 median of $424,000, and at $214/sqft it sits under the St Cloud average of $236.

02Time on market is leverage

74 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.

03The price has already moved

Listed at $359,990, now $349,990 — a $10K cut. The full history is in the market section below.

Listing courtesy of SM FLORIDA BROKERAGE LLC · Jason Walzer. MLS #O6405893.

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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