3954 MCCLELLAND ROAD, ST CLOUD, FL, 34772
Active104 days on marketListed Apr 12, 2026MLS #S5147612
About this home
3954 MCCLELLAND ROAD
BACK ON THE MARKET & BETTER THAN EVER! Buyer's financing fell through. This incredible property is back on the market. Highly Motivated Sellers. Recently installed a new pool pump and ready for the summer. The A/C was recently serviced keeping you cool in these Florida summers. The open-concept interior is a masterpiece of design, bathed in natural light and featuring high ceilings that create an airy atmosphere. The home has been curated with premium finishes, including designer wood-look flooring and a neutral color palette that complements any style. The chef’s kitchen serves as the true heart of the home, boasting sleek custom cabinetry, high-end appliances, and an oversized center island that is perfect for morning coffee or hosting large holiday gatherings. Retreat to the primary suite, a sanctuary designed for ultimate relaxation with its spacious layout and spa-inspired ensuite bath. While the interior is breathtaking, the outdoor amenities are equally impressive. Step outside to discover your own personal playground with room to roam, garden, or simply enjoy the Florida sunsets. The property features a detached carport and workshop—a dream come true for hobbyists or those needing secure, covered storage for boats, trailers, and RVs. With no HOA restrictions and a location that offers both seclusion and convenient access to the best of Central Florida, this property is a rare find for the discerning buyer seeking space, privacy, and impeccable style.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,177
Sqft
4.8 ac
Lot size
2
Garage
2005
Year built
One
Levels
$298
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.
$4,097 /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
$4,097/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
+42.7%
$/sqft vs S L & I C
$298 vs $327
Days on market
104 vs 33 typical
Where $298/sqft sits among the 39 homes for sale in S L & I C
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 34772 — neighborhood snapshot
Population
33,542
Median age
39.9
Median income
$86,900
Median home value
$352,400
Avg household
3.05
Households w/ children
4,027
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)
19 of 39
S L & I C have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 75% above the ST CLOUD 34772 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 3954 MCCLELLAND ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’25$755,000
4125 PACKARD AVENUE · same community
4 bd · 3 ba · 2,242 sqft · $337/sqft · 9 DOM
Sold · Oct ’25$400,000
2905 KISSIMMEE PARK ROAD · same community
3 bd · 2 ba · 2,277 sqft · $176/sqft · 0 DOM
Sold · Sep ’25$590,000
4361 ALBRITTON ROAD · same community
5 bd · 3 ba · 2,280 sqft · $259/sqft · 21 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
German Parra Tovar
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3954 MCCLELLAND ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3954 MCCLELLAND ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from German's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3954 MCCLELLAND ROAD FAQs
What would the monthly payment be for 3954 MCCLELLAND ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,097/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 3954 MCCLELLAND ROAD?+
The most recent tax bill on record (2025) was $2,373. 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 3954 MCCLELLAND ROAD?+
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 $648,000, this home is listed about 52% above the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3954 MCCLELLAND ROAD?+
Hickory Tree Elementary School (elementary), St. Cloud 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
$648,000 runs 75% above the ST CLOUD 34772 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
104 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 $670,000, now $648,000 — a $22K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 WOLF'S CROSSING REALTY · Stanley Watts, Jr. MLS #S5147612.
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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