9200 MERCURY DRIVE, ST CLOUD, FL, 34773
Active1 days on marketListed Aug 3, 2026MLS #O6430260
About this home
9200 MERCURY DRIVE
Beautifully remodeled and move-in ready, this 4-bedroom, 2-bath manufactured home sits on 0.8 acres, offering the perfect combination of modern updates, outdoor space, and the freedom of NO HOA living. A new roof installed in 2025 adds even more value and peace of mind. Step inside to an inviting open floor plan featuring wood-look luxury vinyl flooring throughout. The beautifully updated kitchen showcases warm wood-tone cabinetry, modern finishes, and plenty of space for cooking and gathering. A charming fireplace adds warmth and character to the main living area, creating a welcoming focal point. Both bathrooms have been tastefully renovated with stylish, contemporary finishes. The spacious primary suite features a large walk-in closet, dual sinks, and a beautifully updated walk-in shower. Step outside onto the rear deck overlooking the expansive backyard, where you'll have endless possibilities to create your dream outdoor space. The generous 0.8-acre lot offers plenty of room for a pool, workshop, detached garage, garden, play area, or simply enjoying the extra space and privacy. With NO HOA, you'll have the flexibility to park your RV, boat, trailers, work vehicles, and recreational toys right on your own property. Located near Historic Downtown St. Cloud, shopping, restaurants, parks, and the St. Cloud Lakefront on East Lake Tohopekaliga, you'll enjoy easy access to boating, fishing, walking trails, and other outdoor recreation. Conveniently located just 45 minutes from Melbourne Beach, you can enjoy easy coastal getaways while still having the space and freedom that a large homesite provides. The property is also served by Osceola County schools, including Harmony Community School, Harmony Middle School, and Harmony High School (buyer to verify school assignments). If you're looking for a beautifully updated home with land, flexibility, and room to enjoy the Florida lifestyle, this property is ready to welcome you home.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,890
Sqft
0.83 ac
Lot size
2005
Year built
One
Levels
$180
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.
$2,409 /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
$2,409/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
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
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
$412K → $407K
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 5% above the ST CLOUD 34773 median. See the full St Cloud market guide →
Paper trail
This home's history
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
Jillian Kobylesky
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 9200 MERCURY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9200 MERCURY DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Jillian's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
9200 MERCURY DRIVE FAQs
What would the monthly payment be for 9200 MERCURY DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,409/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 9200 MERCURY DRIVE?+
The most recent tax bill on record (2025) was $1,169. 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 9200 MERCURY DRIVE?+
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 $340,000, this home is listed about 21% below the St Cloud median of $429,000. The market section on this page shows how the area is trending.
Which schools are assigned to 9200 MERCURY DRIVE?+
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
01Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
02Fresh on the market
Only 1 day on market in a St Cloud market that averages 43 — if it fits, move quickly.
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.
Listing courtesy of LOKATION · Ana Dos Santos. MLS #O6430260.
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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