2486 INDEPENDENCE LANE, ST CLOUD, FL, 34772
Active6 days on marketListed Sep 15, 2026MLS #O6440569
About this home
2486 INDEPENDENCE LANE
Bright, inviting and BEAUTIFULLY MAINTAINED, this 2-bedroom, 2-bath manufactured home offers comfortable Florida living in the friendly 55+ community of Teka Village in St. Cloud! Situated on a LARGE CORNER LOT, this home offers the added benefit of NO LAND LEASE—you OWN THE LAND, along with a LOW HOA and a wonderful community atmosphere where neighbors know one another and community events provide plenty of opportunities to get together. A SCREENED FRONT PORCH welcomes you home and provides a comfortable spot to enjoy your morning coffee or visit with neighbors. A SCREENED SIDE LANAI offers additional outdoor living space along with convenient STORAGE. Inside, the home feels bright and sunny, with an OPEN CONCEPT floor plan bringing the Living Room, Dining Area and Kitchen together. VINYL FLOORING flows throughout the main living spaces, while NEW VINYL FLOORING was added in the Bedrooms and Laundry Room in 2024. Fresh INTERIOR PAINT (2023) adds to the clean, MOVE-IN READY feel. The Kitchen is designed for both everyday living and entertaining, featuring crisp WHITE CABINETRY, plenty of storage and a convenient BREAKFAST BAR. The adjoining Dining Area offers BUILT-IN CABINETRY for additional storage and display, plus a dedicated space that would be perfect for a COCKTAIL OR COFFEE BAR. The spacious Primary Bedroom provides a comfortable retreat and features an EN-SUITE BATH along with a LARGE BUILT-IN CLOSET stretching the length of the room, giving you an abundance of STORAGE. The second Bedroom is conveniently located near the SECOND FULL BATH, making it ideal for guests. Both bathrooms were UPDATED IN 2021. A Laundry Room just off the Kitchen adds everyday convenience with an INCLUDED WASHER AND DRYER plus additional cabinet storage. Major updates include a ROOF REPLACED approximately 8 years ago, NEW ROOF over the front lanai and carport (2025), NEW WATER HEATER (2021) and NEW AC (2020), giving you peace of mind while you settle in and make the home your own. Teka Village is a GATED COMMUNITY with great amenities and offers the kind of community atmosphere that makes it easy to feel at home. Residents enjoy the CLUBHOUSE, COMMUNITY POOL, FITNESS CENTER and recreational amenities, along with organized COMMUNITY EVENTS and plenty of opportunities to socialize with friendly neighbors. The St. Cloud location puts you close to LAKEFRONT PARK on East Lake Tohopekaliga, where you can enjoy waterfront views, walking paths, the beach, playground, boating and fishing. Grab a meal overlooking the water at Crabby's On The Lakefront, or head into HISTORIC DOWNTOWN ST. CLOUD for locally owned shops, restaurants and cafés. The community also offers CONVENIENT ACCESS to the Florida Turnpike, making it easy to explore the greater Orlando area. With its LARGE CORNER LOT, LOW HOA, thoughtful UPDATES and welcoming 55+ COMMUNITY, this Teka Village home is a wonderful combination of comfort, convenience and CONNECTION. Come see why this could be the PERFECT PLACE to enjoy your next chapter in St. Cloud!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,141
Sqft
0.14 ac
Lot size
1998
Year built
One
Levels
$171
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 and the real association fee — not generic estimates.
$1,715 /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
$1,715/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.
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
−10.2%
$/sqft vs St Cloud actives
$171 vs $217
Days on market
6 vs 47 typical
Where $171/sqft sits among the 400 St Cloud actives
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 34772 — neighborhood snapshot
Population
33,542
Median age
39.9
Median income
$86,900
Median home value
$352,400
Avg household
3.05
Households w/ children
4,027
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 → $394K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
244 of 400
St Cloud actives have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 51% below the ST CLOUD 34772 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 2486 INDEPENDENCE LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$305,000
4200 RANCH HOUSE ROAD
3 bd · 2.5 ba · 1,566 sqft · $195/sqft · 142 DOM
Sold · Aug ’26$305,000
4204 RANCH HOUSE ROAD
3 bd · 2.5 ba · 1,566 sqft · $195/sqft · 142 DOM
Sold · Aug ’26$305,000
4208 RANCH HOUSE ROAD
3 bd · 2.5 ba · 1,566 sqft · $195/sqft · 97 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
Erwin Vazquez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2486 INDEPENDENCE LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2486 INDEPENDENCE LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Erwin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2486 INDEPENDENCE LANE FAQs
What would the monthly payment be for 2486 INDEPENDENCE LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,715/mo — principal and interest, the actual property-tax bill, the $120/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 2486 INDEPENDENCE LANE?+
The association fee works out to $120 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2486 INDEPENDENCE LANE?+
The most recent tax bill on record (2025) was $2,408. 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 2486 INDEPENDENCE LANE?+
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 $195,000, this home is listed about 55% 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 2486 INDEPENDENCE LANE?+
Neptune Elementary School (elementary), St. Cloud High School (high), Neptune Middle School (middle) — Osceola County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of WEMERT GROUP REALTY LLC · Jenny Wemert. MLS #O6440569.
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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