4901 LILLIAN BLACK ROAD, ST CLOUD, FL, 34771
Active2 days on marketListed Jul 29, 2026MLS #TB8533698
Come see it
Upcoming open house
Sat, Aug 1
11:00 AM – 1:30 PM
About this home
4901 LILLIAN BLACK ROAD
IThis 4-bedroom, 2-bath manufactured home sits on a spacious 0.39-acre corner lot in desirable St. Cloud, with both the home and the land included in the sale. Surrounded by larger custom homes, the property offers plenty of potential for buyers looking to customize, renovate, or make it their own. The home needs interior repairs and cosmetic updates, making it an excellent opportunity to build equity. A valuable bonus is the A/C system, replaced in 2017. Conveniently located near major roadways, shopping, dining, schools, and everyday amenities, this property offers a great combination of space, location, and potential. Buyer to verify all measurements, zoning, land use, and any intended future use
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,782
Sqft
0.39 ac
Lot size
2003
Year built
One
Levels
$135
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.
$1,762 /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
$1,762/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.
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.
$/sqft vs St Cloud actives
$135 vs $218
Days on market
2 vs 33 typical
Where $135/sqft sits among the 400 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 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
$414K → $400K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
213 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 44% 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 4901 LILLIAN BLACK ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$440,000
4873 CHISHOLM PARK TRAIL · same community
4 bd · 2 ba · 1,647 sqft · $267/sqft · 39 DOM
Sold · Feb ’26$465,000
420 KETCH ROAD · same community
3 bd · 2 ba · 1,460 sqft · $318/sqft · 63 DOM
Sold · Nov ’25$865,000
4873 OLD OAK TRAIL · same community
4 bd · 3 ba · 2,534 sqft · $341/sqft · 196 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
Kemarie Johnson
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4901 LILLIAN BLACK ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4901 LILLIAN BLACK ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Kemarie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4901 LILLIAN BLACK ROAD FAQs
What would the monthly payment be for 4901 LILLIAN BLACK ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,762/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 4901 LILLIAN BLACK ROAD?+
The most recent tax bill on record (2025) was $997. 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 4901 LILLIAN BLACK ROAD?+
The listing reports pets: Cats OK, Dogs OK. 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 $240,000, this home is listed about 44% below the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4901 LILLIAN BLACK ROAD?+
Lakeview Elementary School (elementary), Narcoossee Middle School (middle), Harmony High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the ST CLOUD 34771 market on paper
$240,000 is 44% below the ST CLOUD 34771 median of $429,945, and at $135/sqft it sits under the St Cloud average of $236.
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 2 days on market in a St Cloud market that averages 33 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of HOMESMART · Jocelyne Yanez. MLS #TB8533698.
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 4901 LILLIAN BLACK ROAD 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 Kemarie to ping you on any price or status change →