CENTURY 21 Edge
$425,0003 bd2 ba1,456 sqft$292 /sqft$2,961 /mo all-in ↓

5350 OSCEOLA DRIVE, ST CLOUD, FL, 34773

Active1 days on marketListed Aug 27, 2026MLS #S5156360

Manufactured HomeHOLOPAW COUNTRY ESTATES SEC 1

About this home

5350 OSCEOLA DRIVE

Virtually Staged. Welcome to 5350 Osceola Drive, where nearly 5 acres of Florida land, privacy, and freedom come together in one unique property. This 3 bedroom, 2 bathroom manufactured home is located just off US 192 on a paved side street, offering a peaceful country setting while remaining conveniently positioned between St. Cloud and Melbourne Beach. The property itself is the true standout. Approximately two thirds of the nearly 5 acre parcel is cleared, providing an incredible amount of usable land for outdoor living, animals, hobbies, equipment, recreational vehicles, or simply enjoying the space around you. The property is completely fenced and has NO HOA and NO CDD, giving you the freedom and flexibility that is increasingly difficult to find in Central Florida. Toward the rear of the property, a beautiful spring fed pond creates a peaceful natural backdrop. With no rear neighbor, the setting offers additional privacy and a true connection to the outdoors. Whether you enjoy fishing, wildlife, gardening, animals, or simply want room to spread out, this property delivers a lifestyle that a typical neighborhood simply cannot offer. The property is also loaded with additional functional space. Two sheds provide plenty of storage, while two paved carports offer covered parking for vehicles, equipment, or recreational toys. An air conditioned workshop creates an excellent space for projects, hobbies, or additional workspace, and the property even includes a one horse stall for buyers looking to accommodate an equestrian lifestyle. Location provides an excellent balance between privacy and convenience. Situated just off US 192, the home offers direct access toward St. Cloud in one direction and Melbourne and the Atlantic beaches in the other, making it possible to enjoy acreage and a more relaxed lifestyle without feeling completely disconnected from shopping, dining, recreation, and the surrounding Central Florida communities. If you have been searching for acreage, privacy, flexibility, room for your animals and toys, and freedom from HOA and CDD restrictions, 5350 Osceola Drive offers a rare opportunity to own nearly 5 acres with infrastructure already in place and plenty of possibilities for the future.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,456

Sqft

4.88 ac

Lot size

2005

Year built

One

Levels

$292

Per sqft

Trees/Woods & Water view

Inside

FlooringCarpet · Linoleum
AppliancesDryer · Electric Water Heater · Range · Refrigerator · Washer
InteriorBuilt-in Features · Ceiling Fan(s) · Open Floorplan
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionVinyl Siding
FoundationCrawlspace · Other
ViewTrees/Woods · Water
FacesEast
ParkingCovered
ExteriorFire Pit · Other

Community & fees

Taxes (2025)$1,339/yr

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Water Connected
WaterPrivate · Well

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$2,961 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,502
FHA mortgage insurance (est.)$188
Property tax — 2025 actual bill$112
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $14,875Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $14,875
Interest rate6.00%
Loan term

Estimated payment

$2,961/mo

Principal & interest$2,502
FHA mortgage insurance (est.)$188
Property taxes (actual bill)$112
Est. insurance$160

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

$292 vs $214

Days on market

1 vs 47 typical

Where $292/sqft sits among the 400 St Cloud actives

123
125
69
39 · this home
18
26
$163–196$196–230$230–263$263–296$296–330$330+

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

Universal Orlando55 min
Walt Disney World56 min
Orlando Int’l Airport (MCO)56 min
Downtown Orlando56 min

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

ElementaryHarmony Community School★★★★
HighHarmony High School★★★★★
MiddleNarcoossee Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The St Cloud market

Seller’s marketLeans seller4.6 months of inventoryBuyer’s market

$412K$394K

St Cloud median sold, yr/yr

98.4%

Sale-to-list ratio (12 mo)

247 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 39% above the ST CLOUD 34773 median. See the full St Cloud market guide →

Paper trail

This home's history

Aug 27, 2026Listed at $425,000 · 1 days on market since
2005Built · HOLOPAW COUNTRY ESTATES SEC 1

Reality check

What actually sold near 5350 OSCEOLA DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

11390 E IRLO BRONSON MEMORIAL HIGHWAYSold · Nov ’25

$299,000

11390 E IRLO BRONSON MEMORIAL HIGHWAY · same community

2 bd · 1 ba · 1,329 sqft · $225/sqft · 22 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.

Nicholas Giaccone

Your agent

Nicholas Giaccone

Director of Agent Success · CENTURY 21 Edge

Tours, negotiation, and every question about 5350 OSCEOLA DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 5350 OSCEOLA DRIVE — before you fall in love.

See it in person

Schedule a tour

Live availability from Nicholas's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

5350 OSCEOLA DRIVE FAQs

What would the monthly payment be for 5350 OSCEOLA DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,961/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 5350 OSCEOLA DRIVE?+

The most recent tax bill on record (2025) was $1,339. 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 $425,000, this home is listed about 1% 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 5350 OSCEOLA 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.

The brief

Four things that matter here

01Positioned at the premium end

$425,000 runs 39% above the ST CLOUD 34773 median.

02Trees/Woods & Water views

The trees/woods and water view is part of what you're buying — views hold value independently of the structure.

03Fresh on the market

Only 1 day on market in a St Cloud market that averages 47 — if it fits, move quickly.

04Strong assigned schools

Harmony Community School, Harmony High School, Narcoossee Middle School — Harmony Community School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of AVANTI WAY REALTY LLC · Jim McQuade. MLS #S5156360.

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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