CENTURY 21 Edge
$499,000$525,0004 bd2.5 ba2,498 sqft$200 /sqft≈$3,475 /mo all-in ↓

4899 SPARROW DRIVE, ST CLOUD, FL, 34772

Active45 days on marketListed Aug 26, 2026MLS #S5156368

✦ Reduced $26KSingle Family ResidenceST CLOUD MANOR VILLAGE

About this home

4899 SPARROW DRIVE

Country charm meets Central Florida convenience in this one-of-a-kind two-story home! Set on a beautiful .61-acre corner lot in The Manor, this property offers space and flexibility that’s increasingly hard to find. With no HOA and no CDD, enjoy room to spread out, work on hobbies, and embrace a relaxed country lifestyle. From the moment you arrive, this home feels different. The stone and vinyl exterior, paved driveway and walkway, mature trees, fenced yard, and adorable front porch create a welcoming setting. Enjoy morning coffee, tend a garden or greenhouse, keep chickens, or simply relax on your own piece of Florida. Inside, the home offers an inviting sense of space with high ceilings in the living room and a wide staircase. Tile flooring runs through the main living areas, while the bedrooms and upstairs feature carpet. One of the home’s most special features is the large downstairs bedroom, complete with crown molding and a massive walk-in closet. It could function as an additional primary bedroom and is ideal for multigenerational living, extended family, guests, or anyone wanting a spacious main-floor bedroom. A convenient half bath is also downstairs. Upstairs, the primary bedroom offers a large walk-in closet and handicap-accessible bathroom. The home was thoughtfully pre-wired with Monster Cable for a 6.1 surround sound system, creating an opportunity for an impressive entertainment space. The kitchen features granite countertops, stainless steel appliances, a spacious pantry, and a 2024 refrigerator. A Nest thermostat adds modern convenience. Step outside, where the property really shines. The large screened-in back patio with ceiling fans provides a wonderful outdoor living area for relaxing, dining, entertaining, or enjoying the peaceful surroundings. The fenced yard is framed by beautiful trees and offers plenty of possibilities. For the person who needs project space, the large woodshop has full power and water, including 120- and 240-volt electrical service. Whether woodworking is your passion or you simply need a dedicated workshop, this is a feature that’s difficult to replicate. There’s also an RV or boat canopy for covered storage. The home includes an oversized 2½-car garage, attic, and laundry room with washer and dryer. Recent improvements include a new AC compressor in 2025, approximately 15 windows replaced in 2026, a 2018 roof, a new well installed in 2019, a well pump replaced in 2020, and the septic system drained in 2025. A water filtration system adds convenience. For additional peace of mind, the seller will provide a one-year American Home Shield home warranty with a full-price offer. Best of all, enjoy the feeling of getting away from it all without being far away. Shopping, dining, medical facilities, and the Florida Turnpike are nearby. You’re less than an hour from all the major Central Florida theme parks and approximately an hour from several beautiful Florida beaches. If you’ve been searching for something that isn’t cookie-cutter, this may be the one. A little country, a lot of character, plenty of land, and room for the things that make life enjoyable. Bring your gardening plans, chickens, boat, RV, workshop projects, family, and ideas—this property has the space and flexibility to make them possible.

Facts & features

The home at a glance

4

Bedrooms

2.5

Bathrooms

2,498

Sqft

0.61 ac

Lot size

2

Garage

1984

Year built

Two

Levels

$200

Per sqft

Inside

FlooringCarpet · Tile
AppliancesConvection Oven · Dishwasher · Dryer · Electric Water Heater · Microwave · Refrigerator · Washer · Water Filtration System · Water Softener
InteriorCeiling Fan(s) · High Ceilings · Living Room/Dining Room Combo · Open Floorplan · PrimaryBedroom Upstairs · Thermostat · Walk-In Closet(s)
LaundryLaundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionStone · Vinyl Siding · Wood Frame
FoundationBlock
FacesEast
ExteriorFrench Doors · Private Yard · RV Hookup

Community & fees

Taxes (2025)$1,880/yr

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Fiber Optics
WaterWell

The numbers

What it really costs

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

$3,475 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,938
FHA mortgage insurance (est.)$221
Property tax — 2025 actual bill$157
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $17,465Loan30-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% · $17,465
Interest rate6.00%
Loan term

Estimated payment

$3,475/mo

Principal & interest$2,938
FHA mortgage insurance (est.)$221
Property taxes (actual bill)$157
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.

List $499K
$479KedgeAI estimate $596,207 · range $537K–$656K$682K

vs edgeAI estimate

−16.3%

$/sqft vs St Cloud actives

$200 vs $211

Days on market

45 vs 65 typical

Where $200/sqft sits among the 400 St Cloud actives

105
130 · this home
88
33
19
25
$153–187$187–221$221–256$256–290$290–324$324+

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 Manor Village

Drive times from this address

Universal Orlando≈ 44 min
Orlando Int’l Airport (MCO)≈ 44 min
Walt Disney World≈ 45 min
Downtown Orlando≈ 45 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know St Cloud. See the full St Cloud guide →

St. Cloud Manor Village — neighborhood snapshot

Population

884

Median age

36

Median income

$80,575

Median home value

$311,300

Avg household

3

Households w/ children

95%

For the school run

Osceola County School District

ElementaryHickory Tree Elementary School★★★★★
MiddleSt. Cloud Middle School★★★★★
HighHarmony High School★★★★★

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

The numbers that matter

The St Cloud market

Seller’s marketLeans seller — 4.6 months of inventoryBuyer’s market

$412K → $399K

St Cloud median sold, yr/yr

98.4%

Sale-to-list ratio (12 mo)

225 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 25% above the ST CLOUD 34772 median. See the full St Cloud market guide →

Paper trail

This home's history

CurrentPrice reduced to $499,000 ▼ $26K
Aug 26, 2026Listed at $525,000 · 45 days on market since
1984Built · ST CLOUD MANOR VILLAGE

Reality check

What actually sold near 4899 SPARROW DRIVE

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

4775 JAY DRIVESold · May ’26

$575,000

4775 JAY DRIVE · same community

6 bd · 3 ba · 2,560 sqft · $225/sqft · 154 DOM

4715 DEER RUN ROADSold · Dec ’25

$450,000

4715 DEER RUN ROAD · same community

4 bd · 2 ba · 2,027 sqft · $222/sqft · 70 DOM

4751 MEADOW DRIVESold · Mar ’26

$392,400

4751 MEADOW DRIVE · same community

4 bd · 2 ba · 1,900 sqft · $207/sqft · 39 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.

Frederick Paige

Your agent

Frederick Paige

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 4899 SPARROW 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 4899 SPARROW DRIVE — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

4899 SPARROW DRIVE FAQs

What would the monthly payment be for 4899 SPARROW DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,475/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 4899 SPARROW DRIVE?+

The most recent tax bill on record (2025) was $1,880. 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 $499,000, this home is listed about 16% above the St Cloud median of $429,000. The market section on this page shows how the area is trending.

Which schools are assigned to 4899 SPARROW DRIVE?+

Hickory Tree Elementary School (elementary), St. Cloud Middle School (middle), Harmony High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of WEICHERT REALTORS HALLMARK PRO · Rachel Santos. MLS #S5156368.

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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