CENTURY 21 Edge
$12,000≈$238 /mo all-in ↓

HOLOPAW GROVES ROAD, ST CLOUD, FL, 34773

Active3 days on marketListed Oct 7, 2026MLS #S5159048

✦ Priced 97% below the St Cloud medianACREAGE & UNREC

About this home

HOLOPAW GROVES ROAD

Great opportunity to own rural acreage with investment and future-use potential. Enjoy the privacy and open space that this property offers. Ideal for buyers looking for land in a rural setting. Buyer and buyer’s agent are responsible for verifying zoning, permitted uses, access, utilities, wetlands, flood zone, building requirements, property dimensions, and all other information with the appropriate county and local authorities. Drive by and explore the possibilities!

Facts & features

The home at a glance

1.24 ac

Lot size

Inside

Outside & construction

Community & fees

Taxes (2025)$25/yr

Utilities & systems

UtilitiesOther
WaterNone

The numbers

What it really costs

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

$238 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$71
FHA mortgage insurance (est.)$5
Property tax — 2025 actual bill$2
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $420Loan30-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

Get my real numbersCall

Run your own numbers

Loan type
Down payment3.5% · $420
Interest rate6.00%
Loan term

Estimated payment

$238/mo

Principal & interest$71
FHA mortgage insurance (est.)$5
Property taxes (actual bill)$2
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.

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)

Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 97% below the St Cloud median. See the full St Cloud market guide →

Paper trail

This home's history

Oct 7, 2026Listed at $12,000 · 3 days on market since

Reality check

What actually sold near HOLOPAW GROVES ROAD

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

740 STONER ROADSold · Jan ’26

$450,000

740 STONER ROAD · same community

3 bd · 1 ba · 850 sqft · $529/sqft · 5 DOM

2323 STATE ROAD 33Sold · May ’26

$235,000

2323 STATE ROAD 33 · same community

3 bd · 1 ba · 1,104 sqft · $213/sqft · 18 DOM

5131 W 11TH STREET WSold · Dec ’25

$116,000

5131 W 11TH STREET W · same community

2 bd · 2 ba · 1,152 sqft · $101/sqft · 113 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.

Anthony Richardson

Your agent

Anthony Richardson

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about HOLOPAW GROVES ROAD — start here.

CallText
anthony.richardson@c21edge.com
Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for HOLOPAW GROVES ROAD — before you fall in love.

Get pre-approvedCall
aacosta@prmg.net

See it in person

Schedule a tour

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

Straight answers

HOLOPAW GROVES ROAD FAQs

What would the monthly payment be for HOLOPAW GROVES ROAD?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $238/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 HOLOPAW GROVES ROAD?+

The most recent tax bill on record (2025) was $25. 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 $12,000, this home is listed about 97% below the St Cloud median of $429,000. The market section on this page shows how the area is trending.

Keep looking

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Listing courtesy of ODRY VARGAS REALTY GROUP · Leandro Pinillo. MLS #S5159048.

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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HOLOPAW GROVES ROAD, ST CLOUD, FL — $12,000 | CENTURY 21 Edge