2003 HORSETAIL DRIVE, ST CLOUD, FL, 34771
Active2 days on marketListed Nov 5, 2026MLS #O6455390
Come see it
Upcoming open houses
Sat, Nov 7
12:00 PM – 5:00 PM
**OPEN HOUSE - MOVE IN BY 2027!** Tour the CHESTER C on Lot 275 at 2003 Horsetail Dr in Brack Ranch. This 5-BEDROOM home features a MAIN-LEVEL BEDROOM, open-concept living, a KITCHEN ISLAND, LOFT, and LANAI. Enjoy St. Cloud convenience near Orlando, shopping, dining, and major roads, plus a resort-style pool, clubhouse, playground, dog park, and trails. Photos shown are of a similar home. Limited 2027 move-in opportunities—visit today and ask about current incentives!
Sun, Nov 8
1:00 PM – 3:00 PM
**OPEN HOUSE - MOVE IN BY 2027!** Tour the CHESTER C on Lot 275 at 2003 Horsetail Dr in Brack Ranch. This 5-BEDROOM home features a MAIN-LEVEL BEDROOM, open-concept living, a KITCHEN ISLAND, LOFT, and LANAI. Enjoy St. Cloud convenience near Orlando, shopping, dining, and major roads, plus a resort-style pool, clubhouse, playground, dog park, and trails. Photos shown are of a similar home. Limited 2027 move-in opportunities—visit today and ask about current incentives!
Fri, Nov 13
1:00 PM – 3:00 PM
**OPEN HOUSE - MOVE IN BY 2027!** Tour the CHESTER C on Lot 275 at 2003 Horsetail Dr in Brack Ranch. This 5-BEDROOM home features a MAIN-LEVEL BEDROOM, open-concept living, a KITCHEN ISLAND, LOFT, and LANAI. Enjoy St. Cloud convenience near Orlando, shopping, dining, and major roads, plus a resort-style pool, clubhouse, playground, dog park, and trails. Photos shown are of a similar home. Limited 2027 move-in opportunities—visit today and ask about current incentives!
Sat, Nov 14
12:00 AM – 3:00 PM
**OPEN HOUSE - MOVE IN BY 2027!** Tour the CHESTER C on Lot 275 at 2003 Horsetail Dr in Brack Ranch. This 5-BEDROOM home features a MAIN-LEVEL BEDROOM, open-concept living, a KITCHEN ISLAND, LOFT, and LANAI. Enjoy St. Cloud convenience near Orlando, shopping, dining, and major roads, plus a resort-style pool, clubhouse, playground, dog park, and trails. Photos shown are of a similar home. Limited 2027 move-in opportunities—visit today and ask about current incentives!
Sun, Nov 15
1:00 PM – 3:00 PM
**OPEN HOUSE - MOVE IN BY 2027!** Tour the CHESTER C on Lot 275 at 2003 Horsetail Dr in Brack Ranch. This 5-BEDROOM home features a MAIN-LEVEL BEDROOM, open-concept living, a KITCHEN ISLAND, LOFT, and LANAI. Enjoy St. Cloud convenience near Orlando, shopping, dining, and major roads, plus a resort-style pool, clubhouse, playground, dog park, and trails. Photos shown are of a similar home. Limited 2027 move-in opportunities—visit today and ask about current incentives!
About this home
2003 HORSETAIL DRIVE
Virtually Staged. Under Construction. **MOVE IN BY 2027!! Discover the Chester C at Brack Ranch on Lot 275 at 2003 Horsetail Dr. This 5-bedroom home offers the flexibility today’s buyers want, including a first-level bedroom ideal for guests, multi-generational living, or a private work-from-home retreat. Enjoy open-concept living, a spacious loft, comfortable gathering spaces, and a lanai designed for relaxing or entertaining. Brack Ranch brings resort-style amenities to your doorstep, including a pool, cabana, tot lot, dog park, and trails, all in a convenient St. Cloud location close to Orlando, shopping, dining, and daily essentials. Experience comfort, connection, and convenience in a vibrant new-home community. Secure this DECEMBER delivery opportunity before it’s gone—schedule your tour today! Photos shown are of a similar home and are for illustrative purposes only.
Facts & features
The home at a glance
5
Bedrooms
4
Bathrooms
2,856
Sqft
0.14 ac
Lot size
2
Garage
2026
Year built
Two
Levels
$194
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.
$50,513 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$50,513/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
+7.9%
Days on market
2 vs 53 typical
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
35,257
Median age
39.5
Median income
$97,415
Median home value
$454,400
Avg household
3.05
Households w/ children
4,899
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
$411K → $385K
St Cloud median sold, yr/yr
98.6%
Sale-to-list ratio (12 mo)
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 37% above the ST CLOUD 34771 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
Emanuel Marin Maldonado
Real estate agent · CENTURY 21 Edge
Tours, negotiation, and every question about 2003 HORSETAIL DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2003 HORSETAIL DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Emanuel's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2003 HORSETAIL DRIVE FAQs
What would the monthly payment be for 2003 HORSETAIL DRIVE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $50,513/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 2003 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 2003 HORSETAIL DRIVE?+
The most recent tax bill on record (2026) was $554,490. 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 2003 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 $554,490, this home is listed about 31% above the St Cloud median of $422,990. The market section on this page shows how the area is trending.
Which schools are assigned to 2003 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.
The brief
Three things that matter here
01Positioned at the premium end
$554,490 runs 37% above the ST CLOUD 34771 median — but at 2,856 sqft it's also 45% larger than the typical St Cloud listing.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Only 2 days on market in a St Cloud market that averages 53 — if it fits, move quickly.
Listing courtesy of SM FLORIDA BROKERAGE LLC · Jason Walzer. MLS #O6455390.
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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