David Ramirez
$1,070,000$1,300,0005 bd4 ba3,645 sqft$294 /sqft$7,125 /mo all-in ↓

2224 ELDORADO COURT, ST CLOUD, FL, 34771

Active303 days on marketListed Sep 22, 2025MLS #O6345681

Reduced $230KSingle Family ResidenceBAY LAKE RANCH UNIT 1

About this home

2224 ELDORADO COURT

This custom-built, single-story country residence features detached in-law quarters and an expansive 4.5-car garage on a 2.07-acre lot set back from the road for enhanced privacy. The large back covered terrace and patio are perfect for entertaining and equipped with electrical outlets and has been prepped with water, plumbing, and ventilation to accommodate a summer kitchen. Inside, the home boasts 18-foot cathedral ceilings, 8-foot doors and thresholds, custom plantation shutters, electric window shades, and beautiful durable glazed concrete flooring throughout. The farmhouse-style kitchen offers granite and quartz countertops, Whirlpool stainless steel appliances, an electric cooktop, an industrial-sized refrigerator and freezer, a beverage cooler, a 12-foot island, and a walk-in pantry. Adjacent is a spacious laundry room with wall-to-wall cabinetry. The open concept living area includes cathedral ceilings, a custom bar with dual wine coolers and a granite countertop. The family room has beautiful multi-panel sliding patio doors that open to the covered back terrace. The huge master suite offers two walk-in closets and a full bathroom. Bedroom #2 features an ensuite full bath, while bedrooms #3 and #4 provide flexible space for additional occupants or guests. The detached in-law quarters has a private entrance, kitchenette, full bathroom, walk-in closet, and covered porch. Nestled on a property abundant with natural vegetation, this home enjoys regular visits from local wildlife such as deer, wild turkeys, rabbits, and gopher tortoises. Located in Bay Lake Ranch, a community without HOA fees, residents benefit from traditional neighborhood events including a Halloween hayride, Christmas light tour, 4th of July fireworks event and other activities. The location offers easy access to both MCO and MEL airports and nearby beaches.

Facts & features

The home at a glance

5

Bedrooms

4

Bathrooms

3,645

Sqft

2.07 ac

Lot size

4

Garage

2021

Year built

One

Levels

$294

Per sqft

Inside

FlooringConcrete
AppliancesBar Fridge · Built-In Oven · Cooktop · Dishwasher · Disposal · Dryer · Electric Water Heater · Exhaust Fan · Microwave · Range Hood · Refrigerator · Washer · Water Filtration System · Wine Refrigerator
InteriorCathedral Ceiling(s) · Ceiling Fan(s) · High Ceilings · Open Floorplan · Primary Bedroom Main Floor · Thermostat · Walk-In Closet(s)
LaundryLaundry Room
CoolingCentral Air
HeatingElectric

Outside & construction

RoofShingle
ConstructionBlock
FoundationBlock
FacesEast
ExteriorFrench Doors · Lighting · Private Mailbox

Community & fees

Taxes (2024)$9,479/yr

Utilities & systems

UtilitiesCable Available · Cable Connected · Electricity Connected · Street Lights
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.

$7,125 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$5,774
PMI (est., until 20% equity)$401
Property tax — 2024 actual bill$790
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $107,000Loan30-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% · $107,000
Interest rate6.00%
Loan term

Estimated payment

$7,125/mo

Principal & interest$5,774
PMI (est., until 20% equity)$401
Property taxes (actual bill)$790
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.

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.

List $1.1M
$559KedgeAI estimate $662,269 · range $582K$847K$1.1M

vs edgeAI estimate

+61.6%

$/sqft vs St Cloud actives

$294 vs $220

Days on market

303 vs 33 typical

Where $294/sqft sits among the 400 St Cloud actives

104
124
88
35 · this home
15
34
$155–191$191–227$227–263$263–299$299–335$335+

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

Map of 2224 ELDORADO COURT

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)

188 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 152% above the ST CLOUD 34771 median. See the full St Cloud market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,070,000 $230K
Sep 22, 2025Listed at $1,300,000 · 303 days on market since
2021Built · BAY LAKE RANCH UNIT 1

Reality check

What actually sold near 2224 ELDORADO COURT

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

2293 ELDORADO COURTSold · Jul ’25

$1,285,000

2293 ELDORADO COURT · same community

4 bd · 3.5 ba · 3,602 sqft · $357/sqft · 51 DOM

2290 ELDORADO CTSold · May ’26

$1,100,000

2290 ELDORADO CT · same community

4 bd · 3.5 ba · 3,344 sqft · $329/sqft · 0 DOM

2295 ELDORADO COURTSold · May ’26

$875,000

2295 ELDORADO COURT · same community

4 bd · 3 ba · 3,058 sqft · $286/sqft · 51 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 2224 ELDORADO COURT — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 2224 ELDORADO COURT — 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

2224 ELDORADO COURT FAQs

What would the monthly payment be for 2224 ELDORADO COURT?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,125/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 2224 ELDORADO COURT?+

The most recent tax bill on record (2024) was $9,479. 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 $1,070,000, this home is listed about 152% 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 2224 ELDORADO COURT?+

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

$1,070,000 runs 152% above the ST CLOUD 34771 median — but at 3,645 sqft it's also nearly twice the size of the typical St Cloud listing.

02Time on market is leverage

303 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 $1,300,000, now $1,070,000 — a $230K cut. The full history is in the market section below.

Listing courtesy of FLORIDA REALTY OF MIAMI CORP · Janet Garay. MLS #O6345681.

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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