4103 BOB WHITE COURT, ST CLOUD, FL, 34772
Active82 days on marketListed May 15, 2026MLS #S5149982
About this home
4103 BOB WHITE COURT
Welcome to your own slice of Saint Cloud with NO HOA and room to truly spread out! Situated on a quiet cul-de-sac, this beautifully updated 4-bedroom home sits on an oversized .41-acre fully fenced lot designed for both relaxation and entertaining. Inside, you’ll find new flooring throughout, freshly paint, new fans, updated light fixtures, new door hardware, and a convenient inside laundry room. The stunning remodeled kitchen features new cabinetry and granite countertops, while the spacious primary suite offers a spa-inspired bathroom complete with a jacuzzi tub, walk-in shower, and custom closet. Step outside to enjoy the rear deck overlooking the above-ground pool with custom decking, a beautifully designed paver fire pit area, and a commercial-grade custom playground perfect for outdoor fun. Additional upgrades include new exterior siding and fresh paint, making this home move-in ready inside and out. Conveniently located in the growing Saint Cloud area with easy access to shopping, dining, parks, and major roadways. *CHECK OUT THE 3-D VIRTUAL TOUR LINK 2*
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,612
Sqft
0.42 ac
Lot size
2
Garage
1998
Year built
One
Levels
$264
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.
$3,024 /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
$3,024/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.
$/sqft vs St Cloud actives
$264 vs $219
Days on market
82 vs 43 typical
Where $264/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 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
$412K → $400K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
215 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 13% 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 4103 BOB WHITE COURT
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$571,000
4255 HENRY J AVE
3 bd · 2 ba · 1,608 sqft · $355/sqft · 32 DOM
Sold · Jun ’26$486,000
4130 POW MIA MEMORIAL DRIVE
3 bd · 2 ba · 1,640 sqft · $296/sqft · 37 DOM
Sold · May ’26$295,000
4701 LAKE SHORE DRIVE
4 bd · 3 ba · 1,653 sqft · $178/sqft · 41 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
Erwin Vazquez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4103 BOB WHITE COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4103 BOB WHITE COURT — before you fall in love.
See it in person
Schedule a tour
Live availability from Erwin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4103 BOB WHITE COURT FAQs
What would the monthly payment be for 4103 BOB WHITE COURT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,024/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 4103 BOB WHITE COURT?+
The most recent tax bill on record (2025) was $2,094. 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 4103 BOB WHITE COURT?+
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 $425,000, this home is listed about 1% below the St Cloud median of $429,245. The market section on this page shows how the area is trending.
Which schools are assigned to 4103 BOB WHITE COURT?+
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
Three things that matter here
01Positioned at the premium end
$425,000 runs 13% 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.
03The price has already moved
Listed at $445,000, now $425,000 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of IRON VALLEY REAL ESTATE OSCEOLA · Tiffany Licata. MLS #S5149982.
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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