4805 SPARROW DRIVE, ST CLOUD, FL, 34772
Active88 days on marketListed Apr 27, 2026MLS #S5148716
About this home
4805 SPARROW DRIVE
Exceptional opportunity! Fully renovated 3-bedroom, 2-bathroom home sitting on an oversized 0.32-acre lot with NO HOA and NO CDD, offering true flexibility and freedom. This property features a beautifully updated interior with a modern kitchen showcasing granite countertops, stylish cabinetry, and stainless steel appliances. The home is enhanced with tile flooring throughout and upgraded bathrooms with contemporary finishes. Major improvements include new windows, updated PVC plumbing throughout, and a whole-home water softener system, providing long-term value and peace of mind. Step outside to enjoy a spacious screened-in patio, perfect for entertaining, along with a fully fenced backyard with plenty of space for outdoor living, pets, or future additions. Conveniently located just minutes from downtown St. Cloud, with easy access to the Florida Turnpike, approximately 25–30 minutes to Orlando International Airport (MCO), and close to shopping, dining, and schools. Whether you’re looking to expand your investment portfolio or secure a future primary residence, this property delivers space, upgrades, and potential all in one.Some photos may include virtual enhancements or edits for marketing purposes.Property is tenant-occupied. Lease in place through July 31, 2026.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,280
Sqft
0.32 ac
Lot size
2
Garage
1987
Year built
One
Levels
$305
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.
$2,932 /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
$2,932/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
−11.2%
$/sqft vs St Cloud actives
$305 vs $221
Days on market
88 vs 33 typical
Where $305/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 Manor Village
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 Manor Village — neighborhood snapshot
Population
884
Median age
36
Median income
$80,575
Median home value
$311,300
Avg household
3
Households w/ children
95%
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)
194 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 5% 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 4805 SPARROW DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$335,000
4848 WREN DRIVE · same community
3 bd · 2 ba · 1,280 sqft · $262/sqft · 41 DOM
Sold · Jun ’26$316,900
4754 LAKE SHORE DRIVE · same community
3 bd · 2 ba · 1,300 sqft · $244/sqft · 312 DOM
Sold · Mar ’26$325,000
4815 OAKWOOD DRIVE · same community
3 bd · 2 ba · 1,233 sqft · $264/sqft · 124 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
Lyra Rae
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 4805 SPARROW DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4805 SPARROW DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Lyra's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4805 SPARROW DRIVE FAQs
What would the monthly payment be for 4805 SPARROW DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,932/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 4805 SPARROW DRIVE?+
The most recent tax bill on record (2025) was $3,645. 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 $390,000, this home is listed about 8% 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 4805 SPARROW DRIVE?+
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.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Catherine Ferrer Vazquez. MLS #S5148716.
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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