4202 CRACKER COURT, ST CLOUD, FL, 34772
Active69 days on marketListed Aug 2, 2026MLS #S5153969
About this home
4202 CRACKER COURT
NEW PRICE & FLEXIBLE SOLAR OPTIONS! Welcome to this beautifully maintained 3-bedroom, 2-bath home with a versatile bonus room, ideally situated on a cul-de-sac in the established Canoe Creek Lakes community of St. Cloud. Offering 1,881 sq. ft. of living space, this home combines a functional open layout, valuable updates, and a private fenced backyard—all with NO CDD and a low HOA. Step inside to a bright, inviting interior featuring cathedral ceilings, abundant natural light, and ceramic tile flooring throughout—NO CARPET! The spacious kitchen offers ample cabinet and counter space, a center island, all kitchen appliances, and a breakfast nook overlooking the fenced backyard. The versatile bonus room provides additional space for a home office, playroom, hobby room, or other needs. Major updates include ROOF (2019), HVAC (2022), SOLAR WATER HEATER (2019), and FENCE (2019). The home also features an attached 2-car garage and fully fenced backyard. SOLAR OPTIONS: At the $350,000 list price, buyer assumes the existing solar panel lease, subject to solar provider approval. Prefer solar without monthly lease payments? An alternative purchase option is available at $400,000, with seller prepaying the remaining solar lease payments at closing. The lease has approximately 22 years remaining and includes applicable system warranty and repair coverage for the remainder of the lease term. Solar energy offsets household electricity usage and offers the potential for reduced utility costs depending on individual energy usage, system production, and other factors. Conveniently located near shopping, dining, schools, medical facilities, and major roadways, with easy access to Orlando International Airport, Lake Nona Medical City, and Central Florida attractions. Updated, well maintained, and now offered with TWO SOLAR OPTIONS—schedule your private showing today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,881
Sqft
0.2 ac
Lot size
2
Garage
2005
Year built
One
Levels
$186
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 and the real association fee — not generic estimates.
$2,624 /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
$2,624/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
−4.8%
$/sqft vs St Cloud actives
$186 vs $212
Days on market
69 vs 65 typical
Where $186/sqft sits among the 399 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 → $399K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
223 of 399
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 12% below the ST CLOUD 34772 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 4202 CRACKER COURT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$354,000
2310 GISELLE COURT
3 bd · 2 ba · 1,882 sqft · $188/sqft · 352 DOM
Sold · Oct ’25$450,000
1845 SIR LANCELOT CIRCLE
4 bd · 2 ba · 1,912 sqft · $235/sqft · 16 DOM
Sold · Nov ’25$340,000
5079 PRAIRIE PRESERVE RUN ROAD
4 bd · 3 ba · 1,769 sqft · $192/sqft · 10 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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 4202 CRACKER COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4202 CRACKER COURT — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4202 CRACKER COURT FAQs
What would the monthly payment be for 4202 CRACKER COURT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,624/mo — principal and interest, the actual property-tax bill, the $27/mo association fee 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.
How much are the HOA fees at 4202 CRACKER COURT?+
The association fee works out to $27 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4202 CRACKER COURT?+
The most recent tax bill on record (2025) was $2,661. 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 4202 CRACKER 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 $350,000, this home is listed about 18% below the St Cloud median of $429,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4202 CRACKER COURT?+
Neptune Elementary School (elementary), St. Cloud High School (high), Neptune Middle School (middle) — Osceola County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Edgar Otero. MLS #S5153969.
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 4202 CRACKER COURT 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 John to ping you on any price or status change →