
5280 HAYWOOD RUFFIN ROAD, ST CLOUD, FL, 34771
Active0 days on marketListed Aug 10, 2026MLS #S5155129
About this home
5280 HAYWOOD RUFFIN ROAD
RARE 5.9-ACRE OPPORTUNITY NEAR LAKE NONA — SPACE, PRIVACY & POSSIBILITIES! If you’ve been looking for room to spread out without giving up convenience, this is the property you’ve been waiting for. Tucked away on 5.9 private acres, this property provides the freedom and breathing room that are becoming increasingly difficult to find this close to the rapidly growing Lake Nona area. The property is so much more than just a home. A 30' x 40' metal building provides incredible space for vehicles, equipment, hobbies, a workshop or additional storage, plus there is a separate storage shed for even more flexibility. The oversized attached garage includes additional storage above, and the home also features attic storage, giving you plenty of room for everything that comes with acreage living. Inside, the home features comfortable living spaces and opens to a large screened-in back porch overlooking the property — the perfect place to relax and enjoy the privacy, mature trees and peaceful surroundings. For buyers looking toward the future, the acreage may also present potential for a land/parcel split based on current zoning. Buyer is responsible for independently verifying all zoning, subdivision, density, access, utility and development requirements directly with Osceola County. Enjoy the rare combination of acreage, privacy and flexibility while remaining conveniently close to Lake Nona, Medical City, shopping, dining and the continued growth of Central Florida. Whether you're looking for more land, more storage, more possibilities or simply more room to breathe, this property delivers. SELLERS ARE MOTIVATED — BRING YOUR BEST TERMS AND LET’S MAKE A DEAL! Buyers using the preferred lender may also be eligible for a $500 appraisal credit at closing, subject to lender terms and qualification.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,158
Sqft
5.93 ac
Lot size
2
Garage
1981
Year built
One
Levels
$348
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.
$4,698 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,698/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+76.6%
$/sqft vs St Cloud actives
$348 vs $218
Days on market
0 vs 43 typical
Where $348/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 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
$412K → $395K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
229 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 76% above the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 5280 HAYWOOD RUFFIN ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$399,995
4814 TERRA SOLE PL
4 bd · 2 ba · 2,138 sqft · $187/sqft · 315 DOM
Sold · Jul ’26$510,000
4839 TERRA SOLE PLACE
4 bd · 2.5 ba · 2,138 sqft · $239/sqft · 19 DOM
Sold · Aug ’25$385,000
4905 NEWTON COURT
4 bd · 2 ba · 2,128 sqft · $181/sqft · 35 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 5280 HAYWOOD RUFFIN ROAD — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5280 HAYWOOD RUFFIN ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5280 HAYWOOD RUFFIN ROAD FAQs
What would the monthly payment be for 5280 HAYWOOD RUFFIN ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,698/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 5280 HAYWOOD RUFFIN ROAD?+
The most recent tax bill on record (2025) was $2,518. 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 $750,000, this home is listed about 74% above the St Cloud median of $429,990. The market section on this page shows how the area is trending.
Which schools are assigned to 5280 HAYWOOD RUFFIN ROAD?+
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.
The brief
Three things that matter here
01Positioned at the premium end
$750,000 runs 76% above the ST CLOUD 34771 median.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Listed today in a St Cloud market that averages 43 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA LUX LISTINGS, LLC · Jennifer Adams. MLS #S5155129.
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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