4909 STONE ACRES CIRCLE, ST CLOUD, FL, 34771
Active2 days on marketListed Oct 8, 2026MLS #O6443571
About this home
4909 STONE ACRES CIRCLE
WATERFRONT LIVING + NEW ROOF BY CLOSING + 3-CAR GARAGE! Welcome to this beautifully maintained home in the gated community of Blackstone, where an open floor plan, generous living spaces and peaceful WATER VIEWS come together for easy Florida living. Offering approximately 2,254 square feet, this spacious home features 3 bedrooms plus FLEX ROOM , 2 bathrooms, a desirable split-bedroom layout and multiple living and dining areas. The kitchen is truly the heart of the home, featuring GRANITE COUNTERTOPS, stainless-steel appliances, a center island with sink and breakfast bar, abundant cabinetry and an open connection to the family room—ideal for everyday living and entertaining. The spacious PRIMARY SUITE overlooks the water and features a large WALK-IN CLOSET and ensuite bath with dual vanities, garden tub and separate shower. An additional flexible bedroom/bonus space offers plenty of possibilities for guests, a HOME OFFICE, playroom or media room. Step outside and discover one of the home's best features: an OVERSIZED SCREENED LANAI overlooking the WATER. With plenty of room for outdoor dining, lounging and entertaining, this is a space designed to enjoy Florida living year-round while taking in the peaceful waterfront setting. Additional highlights include a 3-CAR GARAGE, interior laundry room, spacious walk-in primary closet, and an A/C system approximately 4 years old. Even better, the seller will provide a BRAND-NEW ROOF PRIOR TO CLOSING, giving the next owner an important update from day one. Blackstone is a GATED COMMUNITY offering neighborhood amenities including walking areas, playground, dog park, BBQ/picnic area and fishing pier, all conveniently located near the Lake Nona/Medical City corridor, shopping, dining and major roadways. Come for the space. Stay for the water view. Welcome home!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,254
Sqft
0.25 ac
Lot size
3
Garage
2008
Year built
One
Levels
$208
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.
$3,623 /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
$3,623/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
+1.2%
$/sqft vs St Cloud actives
$208 vs $211
Days on market
2 vs 65 typical
Where $208/sqft sits among the 399 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 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
$412K → $399K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
224 of 399
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 13% 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 4909 STONE ACRES CIRCLE
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$455,000
4906 STONE ACRES CIRCLE · same community
3 bd · 2 ba · 2,287 sqft · $199/sqft · 141 DOM
Sold · Mar ’26$389,900
4856 STONE ACRES CIRCLE · same community
5 bd · 3 ba · 3,189 sqft · $122/sqft · 119 DOM
Sold · Nov ’25$470,000
5133 APPENINE LOOP W
4 bd · 3 ba · 2,272 sqft · $207/sqft · 31 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
Tommy Trainer
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4909 STONE ACRES CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4909 STONE ACRES CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4909 STONE ACRES CIRCLE FAQs
What would the monthly payment be for 4909 STONE ACRES CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,623/mo — principal and interest, the actual property-tax bill, the $133/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 4909 STONE ACRES CIRCLE?+
The association fee works out to $133 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4909 STONE ACRES CIRCLE?+
The most recent tax bill on record (2025) was $4,275. 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 4909 STONE ACRES CIRCLE?+
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 $469,900, this home is listed about 10% above the St Cloud median of $429,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4909 STONE ACRES 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
Three things that matter here
01Positioned at the premium end
$469,900 runs 13% above the ST CLOUD 34771 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 2 days on market in a St Cloud market that averages 65 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of BHHS FLORIDA REALTY · Francine Arroyo Santowski. MLS #O6443571.
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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