2085 RAYMOND DRIVE, ST CLOUD, FL, 34769
Active139 days on marketListed Mar 6, 2026MLS #S5145290
About this home
2085 RAYMOND DRIVE
HUGE PRICE REDUCTION!! Welcome to a home that truly has it all—comfort, style, and an atmosphere designed to be enjoyed every single day. Located in Lorraine Estates, this beautiful residence in Saint Cloud welcomes you with an open floor plan that invites connection and memorable moments. Its three bedrooms, two bathrooms, and a cozy office space delivers the flexibility every modern family needs. The kitchen, featuring elegant granite countertops, becomes the heart of the home, seamlessly connecting to the formal dining room, breakfast nook, and family room, creating a space where every corner feels special. Outside, the charm continues: a saltwater pool surrounded by a screened patio awaits you for relaxing afternoons, playtime, or gatherings with friends. With an interior laundry room, a two-car garage, and an additional storage shed, the home is thoughtfully designed to make everyday living easier. The spacious lot provides plenty of room to play freely. If you're looking for a peaceful setting without sacrificing proximity to shops, restaurants, and essential services, this property is the perfect fit.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,791
Sqft
0.26 ac
Lot size
2
Garage
1995
Year built
One
Levels
$229
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.
$3,126 /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
$3,126/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
+1.8%
Days on market
139 vs 33 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 34769 — neighborhood snapshot
Population
29,247
Median age
36
Median income
$58,764
Median home value
$271,800
Avg household
2.93
Households w/ children
3,039
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 55% above the ST CLOUD 34769 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
Iain Robinson
Broker Associate · CENTURY 21 Edge
Tours, negotiation, and every question about 2085 RAYMOND DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2085 RAYMOND DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Iain's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2085 RAYMOND DRIVE FAQs
What would the monthly payment be for 2085 RAYMOND DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,126/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 2085 RAYMOND DRIVE?+
The most recent tax bill on record (2025) was $4,451. 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 2085 RAYMOND 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 $410,000, this home is listed about 4% 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 2085 RAYMOND DRIVE?+
Lakeview Elementary School (elementary), St. Cloud High School (high), St. Cloud 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
01Positioned at the premium end
$410,000 runs 55% above the ST CLOUD 34769 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
139 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $417,000, now $410,000 — a $7K cut. The full history is in the market section below.
Listing courtesy of WATSON REALTY CORP. · Rafael Izquierdo. MLS #S5145290.
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.
Never miss a listing
New St Cloud homes, in your inbox
Like 2085 RAYMOND DRIVE but not quite? A daily digest of every new listing in St Cloud — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Iain to ping you on any price or status change →