5160 HAYWOOD RUFFIN ROAD, ST CLOUD, FL, 34771
Active172 days on marketListed Feb 18, 2026MLS #S5144134
About this home
5160 HAYWOOD RUFFIN ROAD
We've reduced the price! Today I present this fabulous property, located in Saint Cloud, very close to Narcoosee Avenue, Lake Nona, Orlando International Airport, and major Florida freeways. If you're looking for a spacious, country home surrounded by nature, yet close to the amenities of St. Cloud, this is the ideal place. This house is mostly renovated and sits on a sprawling 2.62-acre lot, combining the tranquility of the countryside with proximity to all the commercial, educational, financial, and medical services the area offers. The house features four bedrooms, two bathrooms, a living and dining room, a kitchen, a laundry room, a lanai, a pool to enjoy the Florida sun, and two storage rooms. There's also the potential for outdoor activities and even expansion. Call me for more information.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,824
Sqft
2.62 ac
Lot size
1986
Year built
One
Levels
$488
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 — not generic estimates.
$5,478 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,478/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+75.2%
$/sqft vs St Cloud actives
$488 vs $218
Days on market
172 vs 43 typical
Where $488/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 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 → $395K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
225 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 107% 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 5160 HAYWOOD RUFFIN 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$340,000
1896 GREEN DRAGON DRIVE
4 bd · 2 ba · 1,846 sqft · $184/sqft · 38 DOM
Sold · Apr ’26$360,000
5105 FOXTAIL FERN WAY
4 bd · 2 ba · 1,846 sqft · $195/sqft · 19 DOM
Sold · Nov ’25$370,000
5115 STAR RUBY AVENUE
4 bd · 2 ba · 1,846 sqft · $200/sqft · 14 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
Darrick Cook
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 5160 HAYWOOD RUFFIN ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5160 HAYWOOD RUFFIN ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Darrick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5160 HAYWOOD RUFFIN ROAD FAQs
What would the monthly payment be for 5160 HAYWOOD RUFFIN ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,478/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 5160 HAYWOOD RUFFIN ROAD?+
The most recent tax bill on record (2025) was $2,177. 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 5160 HAYWOOD RUFFIN ROAD?+
The listing reports pets: Cats OK, Dogs OK. 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 $890,000, this home is listed about 107% above the St Cloud median of $429,990. The market section on this page shows how the area is trending.
Which schools are assigned to 5160 HAYWOOD RUFFIN ROAD?+
Lakeview 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
Four things that matter here
01Positioned at the premium end
$890,000 runs 107% above the ST CLOUD 34771 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
172 days on market against a St Cloud median of 43 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $990,000, now $890,000 — a $100K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LA ROSA REALTY KISSIMMEE · Patricia Mercado. MLS #S5144134.
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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