1997 HORSETAIL DRIVE, ST CLOUD, FL, 34771
Active10 days on marketListed Sep 30, 2026MLS #O6446215
About this home
1997 HORSETAIL DRIVE
Virtually Staged. Under Construction. ***DECEMBER DELIVERY!*** MAIN-LEVEL LIVING! PRIMARY EN-SUITE! Discover the Webber C at Brack Ranch, Lot 276, located at 1997 Horsetail Dr. This thoughtfully designed home features open gathering spaces, a stylish kitchen with an EXPANSIVE KITCHEN ISLAND, comfortable bedrooms, a private guest en-suite, and a LANAI ideal for outdoor dining and relaxing Florida evenings. Enjoy a connected St. Cloud lifestyle near Orlando, shopping, dining, recreation, and major roadways. Brack Ranch amenities include a pool, cabana/clubhouse, playground, dog park, and scenic trails—perfect for relaxing, gathering, and staying active. Photos shown are of a similar home and are for illustrative purposes only. December delivery opportunities are limited—schedule your tour today and ask about current incentives!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,210
Sqft
0.14 ac
Lot size
2
Garage
2026
Year built
One
Levels
$222
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.
$3,763 /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
$3,763/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
+12.6%
$/sqft vs BRACK RANCH
$222 vs $239
Days on market
10 vs 65 typical
Where $222/sqft sits among the 6 homes for sale in BRACK RANCH
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)
4 of 6
BRACK RANCH have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 18% 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 1997 HORSETAIL DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$477,990
1908 HORSETAIL DRIVE · same community
4 bd · 3 ba · 2,210 sqft · $216/sqft · 11 DOM
Sold · Dec ’25$498,000
1979 HORSETAIL DRIVE · same community
4 bd · 3 ba · 2,210 sqft · $225/sqft · 109 DOM
Sold · Jan ’26$476,885
1967 HORSETAIL DRIVE · same community
4 bd · 3 ba · 2,210 sqft · $216/sqft · 129 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
Elizabeth Elliott
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1997 HORSETAIL DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1997 HORSETAIL DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Elizabeth's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1997 HORSETAIL DRIVE FAQs
What would the monthly payment be for 1997 HORSETAIL DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,763/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 1997 HORSETAIL DRIVE?+
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 1997 HORSETAIL DRIVE?+
The most recent tax bill on record (2026) was $4,900. 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 1997 HORSETAIL 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 $489,990, this home is listed about 14% 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 1997 HORSETAIL DRIVE?+
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.
Keep looking
Similar homes nearby
Listing courtesy of SM FLORIDA BROKERAGE LLC · Jason Walzer. MLS #O6446215.
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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