David Ramirez
$2,299,999$2,900,0006 bd7 ba7,020 sqft$328 /sqft$13,485 /mo all-in ↓

2490 ZUNI ROAD, ST CLOUD, FL, 34771

Active787 days on marketListed May 27, 2024MLS #O6208854

Reduced $600KSingle Family ResidenceNARCOOSSEE NEW MAP OF

About this home

2490 ZUNI ROAD

ONE OF A KIND! MUST SEE! Experience timeless elegance combined with the tranquil ambiance of over 5 acres, just minutes away from Lake Nona! It is extremely rare to find the luxury of an AC-zoned lot that allows for farming, horses, cattle, and more, while still being within the vicinity of the city. This custom-built home epitomizes excellence with approximately 7,000 sq ft of living space and an oversized 3-car garage. As soon as you walk in, you will feel the 20+ ft high ceilings and see the dual pocket slider glass doors that allow ample light to brighten your day. The thoughtful floor plan includes 6 ensuite bedrooms for ultimate privacy, an office/study room, and a playroom. The dual master bedrooms feature a covered lanai and a covered balcony with a view overlooking the enormous backyard. Regarding the meticulous build quality, the home includes Carrier variable speed HVAC with humidity control, Icynene attic insulation, concrete barrel tile roofing, MI windows, PGT doors, and oversized 2 by 6 framing upstairs to fit more insulation. This brings your electric bill down to that of a home half its size. The oversized chef’s kitchen boasts luxury Wolf appliances, including a commercial-style 48-inch gas range top with a dual motor hood and a pot filler faucet, as well as natural stone to match the high-caliber build quality. Other unique upgrades include a wet bar, a server room with Hudson security monitoring and recording, a mechanical room for easy HVAC servicing, an upstairs laundry chute, and ample hidden storage throughout the home. The patio features multiple areas on sealed travertine for versatile use and a custom outdoor kitchen. A guest bathroom is conveniently placed by the patio for future pool expansion. Pool drawings are available! This home has the fundamentals taken care of, and the customization possibilities for final touches are endless with this lot size. This home is a must-see masterpiece that is priced to sell. Schedule your showing today!

Facts & features

The home at a glance

6

Bedrooms

7

Bathrooms

7,020

Sqft

5.31 ac

Lot size

3

Garage

2017

Year built

Two

Levels

$328

Per sqft

Pets allowed

Inside

FlooringEngineered Hardwood · Porcelain Tile
AppliancesBar Fridge · Built-In Oven · Cooktop · Dishwasher · Disposal · Dryer · Electric Water Heater · Range Hood · Refrigerator · Washer
InteriorBuilt-in Features · Ceiling Fan(s) · Eating Space In Kitchen · High Ceilings · Open Floorplan · Primary Bedroom Main Floor · PrimaryBedroom Upstairs · Solid Wood Cabinets · Thermostat · Wet Bar
LaundryInside · Laundry Chute · Laundry Room
CoolingCentral Air · Humidity Control · Zoned
HeatingCentral · Heat Pump · Zoned

Outside & construction

RoofConcrete · Tile
ConstructionBlock · Wood Frame
FoundationSlab
FacesNorth
ParkingGarage Door Opener · Garage Faces Side · On Street · Oversized
ExteriorBalcony · Irrigation System · Lighting · Outdoor Grill · Outdoor Kitchen · Private Mailbox · Rain Gutters · Sliding Doors

Community & fees

Taxes (2023)$622/yr
PetsYes

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Available · Electricity Connected · Propane · Water Available · Water Connected
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.

$13,485 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$12,411
PMI (est., until 20% equity)$862
Property tax — 2023 actual bill$52
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $230,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $230,000
Interest rate6.00%
Loan term

Estimated payment

$13,485/mo

Principal & interest$12,411
PMI (est., until 20% equity)$862
Property taxes (actual bill)$52
Est. insurance$160

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.

Where it sits

Inside St Cloud

Map of 2490 ZUNI ROAD

Drive times from this address

Orlando Int’l Airport (MCO)31 min
Downtown Orlando36 min
Walt Disney World42 min
Universal Orlando42 min

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

ElementaryLakeview Elementary School★★★★★
MiddleNarcoossee 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 marketBalanced6.2 months of inventoryBuyer’s market

$414K$400K

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 439% above the ST CLOUD 34771 median. See the full St Cloud market guide →

Paper trail

This home's history

CurrentPrice reduced to $2,299,999 $600K
May 27, 2024Listed at $2,900,000 · 787 days on market since
2017Built · NARCOOSSEE NEW MAP OF

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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 2490 ZUNI ROAD — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 2490 ZUNI ROAD — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to David's phone and CRM.

Goes straight to David’s phone and CRM.

Straight answers

2490 ZUNI ROAD FAQs

What would the monthly payment be for 2490 ZUNI ROAD?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $13,485/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 2490 ZUNI ROAD?+

The most recent tax bill on record (2023) was $622. 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 2490 ZUNI ROAD?+

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 $2,299,999, this home is listed about 441% above the St Cloud median of $425,000. The market section on this page shows how the area is trending.

Which schools are assigned to 2490 ZUNI 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

01Positioned at the premium end

$2,299,999 runs 439% above the ST CLOUD 34771 median — but at 7,020 sqft it's also nearly 4 times the size of the typical St Cloud listing.

02Time on market is leverage

787 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.

03The price has already moved

Listed at $2,900,000, now $2,299,999 — a $600K cut. The full history is in the market section below.

Listing courtesy of COLDWELL BANKER REALTY · Eric Roman, Pa. MLS #O6208854.

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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