MUSTANG, ST CLOUD, FL, 34771
Active22 days on marketListed Sep 1, 2026MLS #S5156364
About this home
MUSTANG
Looking for space, privacy, and the freedom to build exactly what you envision? BUILD YOUR DREAM HOME ON 5.26 ACRES — BAY LAKE RANCH, ST. CLOUD. This 5.26-acre homesite in the desirable Bay Lake Ranch community offers exactly that. The lot is high and dry, not in a flood zone, has no HOA, and sits on a paved road — a combination that's increasingly hard to find. Beyond your custom home, there's room for a detached garage, workshop, barn, pool, outdoor entertaining space, and parking for RVs, boats, or other recreational vehicles. A guest house may also be possible where permitted. Surrounded by custom homes and mature trees, Bay Lake Ranch offers quiet, private acreage living just minutes from Lake Nona Medical City, Orlando International Airport, the Florida Turnpike, SR 417, and Central Florida's shopping, dining, and schools. Whether you're ready to build now or want to hold this land as a future investment, this is a rare opportunity to own over five acres in an established acreage community. Bring your builder and your vision — see why so many people love calling Bay Lake Ranch home.
Facts & features
The home at a glance
5.26 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.
$2,522 /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
$2,522/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
$412K → $394K
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 16% 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 MUSTANG
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$550,000
6975 MAVERICK TRAIL · same community
3 bd · 2 ba · 1,580 sqft · $348/sqft · 80 DOM
Sold · Jan ’26$450,000
6930 GREENHORN PATH · same community
3 bd · 2 ba · 1,636 sqft · $275/sqft · 8 DOM
Sold · Aug ’26$540,000
7035 BIG BEND DRIVE · same community
3 bd · 2 ba · 1,736 sqft · $311/sqft · 65 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
Tommy Trainer
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about MUSTANG — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for MUSTANG — before you fall in love.
See it in person
Schedule a tour
Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
MUSTANG FAQs
What would the monthly payment be for MUSTANG?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,522/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 MUSTANG?+
The most recent tax bill on record (2025) was $1,767. 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 $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 MUSTANG?+
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 EXP REALTY LLC · Kevin Kendrick. MLS #S5156364.
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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