6718 OWENS ROAD, ST CLOUD, FL, 34773
Active179 days on marketListed Jan 29, 2026MLS #S5142738
About this home
6718 OWENS ROAD
Vacant and undeveloped land located on Owens Rd, St. Cloud, FL 34773 — an excellent opportunity for investment or future development in the peaceful Harmony / Bull Creek area. This property offers approximately 1.55 acres of flat land with no immediate building restrictions, dirt road access, and nearby electric service availability. Situated in a quiet rural setting, the lot provides a private, serene, and spacious environment, ideal for building a custom home, placing a manufactured home, or holding as a long-term investment. The property is zoned OAC (Open Agricultural / Residential), allowing for a variety of potential uses (buyer to verify with local authorities). The lot is not waterfront and will require a well and septic system. With its generous size and strategic location near outdoor recreation areas, this property is perfect for those seeking rural living with convenient access to St. Cloud amenities and Osceola County services.
Facts & features
The home at a glance
1.25 ac
Lot size
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.
$845 /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
$845/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
$414K → $400K
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 67% below the ST CLOUD 34773 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 6718 OWENS ROAD
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$160,000
5627 INDIANA DRIVE · same community
2 bd · 1 ba · 844 sqft · $190/sqft · 118 DOM
Sold · Jan ’26$450,000
740 STONER ROAD · same community
3 bd · 1 ba · 850 sqft · $529/sqft · 5 DOM
Sold · Dec ’25$116,000
5131 W 11TH STREET W · same community
2 bd · 2 ba · 1,152 sqft · $101/sqft · 113 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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 6718 OWENS ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6718 OWENS ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
6718 OWENS ROAD FAQs
What would the monthly payment be for 6718 OWENS ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $845/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 6718 OWENS ROAD?+
The most recent tax bill on record (2025) was $249. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in St Cloud?+
At $105,000, this home is listed about 75% below the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 6718 OWENS ROAD?+
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
Four things that matter here
01Under the ST CLOUD 34773 market on paper
$105,000 is 67% below the ST CLOUD 34773 median of $315,000.
02Time on market is leverage
179 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
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.
04The price has already moved
Listed at $120,000, now $105,000 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Ronald Fuenmayor. MLS #S5142738.
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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