4105 BOB WHITE COURT, ST CLOUD, FL, 34772
Active5 days on marketListed Oct 5, 2026MLS #S5158879
About this home
4105 BOB WHITE COURT
**PRIVATE OVERSIZED LOT | SOLAR-HEATED POOL | 5 BEDROOMS | FIRST-FLOOR BEDROOM & BATH**New Well installed January 2026. AC replaced 2020 and Roof replaced 2018. Welcome to **4105 Bob White Court**, a spacious two-story home located in the desirable **Quail Wood community of St. Cloud**, known for its oversized homesites and peaceful, private setting. Situated on an impressive **16,596 sq. ft. lot—nearly half an acre**, this property offers a rare amount of outdoor space and privacy. The home features **5 bedrooms and 4 bathrooms**, including a **full bedroom and bathroom on the first floor**, providing an ideal setup for guests, multigenerational living, or added flexibility. Step outside to enjoy your **solar-heated pool**, creating the perfect space for relaxing, entertaining, and enjoying Florida living throughout the year. The expansive lot provides plenty of room to enjoy the outdoors while offering the privacy that is increasingly difficult to find. Inside, the two-story layout provides generous living space with bedrooms and additional living areas upstairs, giving everyone room to spread out while maintaining a comfortable flow throughout the home. **Quail Wood is a community of oversized lots**, offering a more spacious and private neighborhood feel. If you're looking for a home with **5 bedrooms, a first-floor bedroom and bath, a solar-heated pool, and nearly half an acre of land**, this property offers a combination that is truly hard to find. **Come experience the space, privacy, and Florida lifestyle that 4105 Bob White Court has to offer.**
Facts & features
The home at a glance
5
Bedrooms
3.5
Bathrooms
2,912
Sqft
0.38 ac
Lot size
2
Garage
1998
Year built
Two
Levels
$199
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.
$3,767 /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
$3,767/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
−13%
$/sqft vs St Cloud actives
$199 vs $211
Days on market
5 vs 65 typical
Where $199/sqft sits among the 399 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 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)
224 of 399
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 45% 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 4105 BOB WHITE COURT
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$430,000
3820 ELK BLUFF ROAD
5 bd · 3 ba · 3,016 sqft · $143/sqft · 72 DOM
Sold · Mar ’26$725,000
3798 RAMBLER AVE.
5 bd · 3.5 ba · 2,707 sqft · $268/sqft · 6 DOM
Sold · May ’26$675,000
3575 KAISER AVENUE
5 bd · 4 ba · 3,144 sqft · $215/sqft · 55 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
Kevin Johnson
CEO & Managing Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 4105 BOB WHITE COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4105 BOB WHITE COURT — before you fall in love.
See it in person
Schedule a tour
Live availability from Kevin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4105 BOB WHITE COURT FAQs
What would the monthly payment be for 4105 BOB WHITE COURT?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,767/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 4105 BOB WHITE COURT?+
The most recent tax bill on record (2025) was $3,113. 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 $580,000, this home is listed about 35% 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 4105 BOB WHITE COURT?+
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.
The brief
Three things that matter here
01Positioned at the premium end
$580,000 runs 45% above the ST CLOUD 34772 median — but at 2,912 sqft it's also 45% larger than the typical St Cloud listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Fresh on the market
Only 5 days on market in a St Cloud market that averages 65 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of SHANI BUILDERS & REALTY LLC · Shani Lokhnath. MLS #S5158879.
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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