1640 GROUPER STREET, ST CLOUD, FL, 34771
Active30 days on marketListed Jul 3, 2026MLS #S5152948
About this home
1640 GROUPER STREET
0.15 Acres of Cleared Vacant Land – Ready to Build! Don't miss this fantastic opportunity to own 0.15 acres of cleared residential land that's ready for your new construction home or manufactured home! This residentially zoned property already has power, a septic system installed in 2016, and a private well installed in 2020, saving you time and money as you prepare to build. An added bonus is a $27,777 credit toward impact fees, offering significant savings for your future construction project. The property also has no HOA and no CDD fees, giving you greater flexibility and fewer ongoing expenses. Enjoy the perfect balance of peaceful living and convenient access to recreation and everyday amenities. Located less than one mile from the Trout Lake Public Boat Ramp, you'll have easy access to Trout Lake and the Alligator Chain of Lakes, making it ideal for boating, fishing, and other outdoor activities. Conveniently situated near shopping, medical facilities, restaurants, and more, this property is also less than an hour from Florida's beautiful beaches. Whether you're looking to build your dream home, place a manufactured home, or invest in a growing area, this property offers outstanding value with existing improvements, substantial impact fee savings, and an unbeatable location.
Facts & features
The home at a glance
0.15 ac
Lot size
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.
$982 /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
$982/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.
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
$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 72% below the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 1640 GROUPER STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$126,000
1621 HADDOCK STREET · same community
3 bd · 1 ba · 564 sqft · $223/sqft · 86 DOM
Sold · Oct ’25$139,500
1640 FLOUNDER STREET · same community
2 bd · 1 ba · 670 sqft · $208/sqft · 98 DOM
Sold · Jan ’26$170,000
1639 FLOUNDER STREET · same community
2 bd · 1 ba · 888 sqft · $191/sqft · 7 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
Arlinda Gokyar
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 1640 GROUPER STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1640 GROUPER STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Arlinda's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1640 GROUPER STREET FAQs
What would the monthly payment be for 1640 GROUPER STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $982/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 1640 GROUPER STREET?+
The most recent tax bill on record (2025) was $753. 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 $119,900, this home is listed about 72% 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 1640 GROUPER STREET?+
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.
Keep looking
Similar homes nearby
Listing courtesy of WEICHERT REALTORS HALLMARK PRO · Rachel Santos. MLS #S5152948.
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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