9295 LUNA DRIVE, ST CLOUD, FL, 34773
Active53 days on marketListed Aug 18, 2026MLS #S5154409
About this home
9295 LUNA DRIVE
Welcome to 9295 Luna Drive, where peaceful country living meets move-in-ready convenience! Situated on approximately 1.06 acres with no HOA, this fully furnished 2-bedroom, 2-bathroom single-wide manufactured home offers 840 square feet of comfortable living space. Built in 1984, the home features an open floor plan, central air conditioning, vinyl flooring, a laundry room, and a kitchen equipped with a range, refrigerator, and dishwasher. Outside, enjoy a spacious fenced yard with no rear neighbors, a deck, covered carport, shed, and additional storage. The property is serviced by a private well and septic system, with the well system replaced January 2025. The seller is leaving the furnishings and even a personal tractor to help maintain the property, making this a wonderful opportunity to move right in and begin creating your own private retreat. Enjoy the space and privacy of country living while remaining conveniently accessible to St. Cloud, Orlando International Airport, and Melbourne. The surrounding community also offers nearby parks, a playground, sports courts, and a community center. Bring your personal belongings and start enjoying everything this unique property has!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
840
Sqft
1.06 ac
Lot size
1984
Year built
One
Levels
$357
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.
$2,212 /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
$2,212/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
+54.4%
$/sqft vs St Cloud actives
$357 vs $211
Days on market
53 vs 65 typical
Where $357/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 34773 — neighborhood snapshot
Population
5,495
Median age
38.2
Median income
$64,498
Median home value
$312,500
Avg household
3.06
Households w/ children
629
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)
224 of 399
St Cloud actives have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
Paper trail
This home's history
Reality check
What actually sold near 9295 LUNA 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$265,000
9085 JUPITER DRIVE · same community
2 bd · 1.5 ba · 784 sqft · $338/sqft · 0 DOM
Sold · Oct ’26$220,000
9285 LUNA DRIVE · same community
2 bd · 1 ba · 672 sqft · $327/sqft · 63 DOM
Sold · Jun ’26$275,000
5025 APOLLO AVENUE · same community
2 bd · 2 ba · 1,026 sqft · $268/sqft · 144 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
Kathy Miller
real estate agent · CENTURY 21 Edge
Tours, negotiation, and every question about 9295 LUNA DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9295 LUNA DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kathy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
9295 LUNA DRIVE FAQs
What would the monthly payment be for 9295 LUNA DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,212/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 9295 LUNA DRIVE?+
The most recent tax bill on record (2025) was $1,850. 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 9295 LUNA DRIVE?+
The listing reports pets: Cats OK, Dogs OK, 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 $299,900, this home is listed about 30% 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 9295 LUNA DRIVE?+
Harmony Community School (elementary), Harmony High School (high), Narcoossee 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 THE FIRM RE · Judy Colon. MLS #S5154409.
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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