4349 PACKARD AVENUE, ST CLOUD, FL, 34772
Active15 days on marketListed Sep 25, 2026MLS #S5158190
About this home
4349 PACKARD AVENUE
HUGE 36x48 DETACHED GARAGE | 2.44 ACRES | NO HOA Welcome to 4349 Packard Ave in St. Cloud—an updated 3-bedroom, 2.5-bath home on 2.44± acres with no HOA and a spring-fed pond great for fishing. The west-facing home is designed for Florida living, with a covered front porch for sunsets, a spacious rear porch for sunrises and rocket launches, decorative columns, and double frosted-glass entry doors that bring in natural light. Inside, wood-look plank tile flooring runs throughout a comfortable split floor plan featuring tray ceilings, ceiling fans in the bedrooms, pocket doors, a formal dining room with French doors, a breakfast nook, breakfast bar, interior laundry, and a guest half bath. The kitchen offers granite counters, stainless appliances, custom cabinetry with decorative molding, plate and glass display racks, pull-out drawers, and a large pantry with a pocket door. The primary suite includes a walk-in closet and an ensuite bath with double granite vanities, a walk-in shower, a private water closet, and a linen closet. Major updates include a new roof (2022), HVAC (2022), water heater (2022), plus a water system. Outside you will find a side-entry attached garage, gutters and downspouts, well and septic, and a 2023 shed and 36' x 48' metal detached garage with 60-amp service, prewired. Flood Zone X. Conveniently located with easy access to Florida’s Turnpike and SR 417, putting Orlando International Airport, shopping, restaurants, beaches, and Central Florida attractions within reach. A rare mix of acreage, updates, and usable outbuildings—come see this St. Cloud property. MAKE SURE TO SEE THE FLOOR PLANS AND WALK THROUGH VIDEOS THEN SCHEDULE A TIME TO SEE IN PERSON.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,951
Sqft
2.44 ac
Lot size
2
Garage
2008
Year built
One
Levels
$374
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.
$4,889 /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
$4,889/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
+23.1%
$/sqft vs S L & I C
$374 vs $351
Days on market
15 vs 65 typical
Where $374/sqft sits among the 35 homes for sale in S L & I C
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 34772 — neighborhood snapshot
Population
33,542
Median age
39.9
Median income
$86,900
Median home value
$352,400
Avg household
3.05
Households w/ children
4,027
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)
16 of 35
S L & I C have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 83% above the ST CLOUD 34772 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 4349 PACKARD AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$660,000
2827 GODWIN ROAD · same community
3 bd · 3 ba · 1,986 sqft · $332/sqft · 20 DOM
Sold · Feb ’26$570,000
495 ORANGE AVENUE · same community
4 bd · 3 ba · 1,900 sqft · $300/sqft · 159 DOM
Sold · Mar ’26$650,000
3970 KISSIMMEE PARK ROAD · same community
3 bd · 2.5 ba · 2,047 sqft · $318/sqft · 248 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
Iain Robinson
Broker Associate · CENTURY 21 Edge
Tours, negotiation, and every question about 4349 PACKARD AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4349 PACKARD AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Iain's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4349 PACKARD AVENUE FAQs
What would the monthly payment be for 4349 PACKARD AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,889/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 4349 PACKARD AVENUE?+
The most recent tax bill on record (2025) was $6,268. 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 4349 PACKARD AVENUE?+
The listing reports pets: 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 $729,000, this home is listed about 70% 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 4349 PACKARD AVENUE?+
Neptune Elementary School (elementary), St. Cloud High School (high), Neptune 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 EAST PARK REALTY LLC · Racquel Schroeder. MLS #S5158190.
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.
Never miss a listing
New St Cloud homes, in your inbox
Like 4349 PACKARD AVENUE but not quite? A daily digest of every new listing in St Cloud — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Iain to ping you on any price or status change →