7045 BRANCH COURT, ST CLOUD, FL, 34771
Active147 days on marketListed Feb 28, 2026MLS #O6386611
About this home
7045 BRANCH COURT
Welcome to this stunning 4-bedroom, 3-bath retreat nestled on a full ACRE in the heart of Saint Cloud, where you'll discover the perfect blend of privacy and serenity—with NO HOA to hold you back. A long, winding driveway sets the tone before you even step inside. As soon as you enter, you'll be greeted by an OPEN FLOOR PLAN, designed for the way you actually live—whether that's family time, hosting guests, or carving out a home office. The layout offers two separate living spaces, along with a formal dining room and a cozy breakfast nook for easy everyday mornings. There are countless features throughout, including solar panels that help reduce energy costs while supporting sustainable living—a rare find that pays off for years to come. Step outside into your expansive COVERED PATIO, overlooking a wide open yard made for gardening, outdoor living, or parking your recreational toys. It's the kind of space that invites you to slow down and enjoy the quiet. Location is ideal—tucked into a peaceful pocket of Saint Cloud, yet just minutes from shopping, dining, and schools, with easy access to 192 and the Florida Turnpike. Spacious, private, and full of possibility—schedule your showing today before it's gone!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,503
Sqft
1 ac
Lot size
3
Garage
2001
Year built
One
Levels
$236
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.
$3,923 /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
$3,923/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
+30.5%
$/sqft vs BAY LAKE RANCH UNIT 3
$236 vs $334
Days on market
147 vs 33 typical
Where $236/sqft sits among the 8 homes for sale in BAY LAKE RANCH UNIT 3
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)
6 of 8
BAY LAKE RANCH UNIT 3 have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 39% above the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 7045 BRANCH COURT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$685,000
1925 MUSTANG COURT · same community
5 bd · 2.5 ba · 2,413 sqft · $284/sqft · 15 DOM
Sold · Mar ’26$700,000
2260 BRONCO DRIVE · same community
3 bd · 2 ba · 2,156 sqft · $325/sqft · 107 DOM
Sold · Nov ’25$575,000
6985 RANCHERO COURT · same community
4 bd · 3 ba · 2,084 sqft · $276/sqft · 65 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 7045 BRANCH COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 7045 BRANCH 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.
Straight answers
7045 BRANCH COURT FAQs
What would the monthly payment be for 7045 BRANCH COURT?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,923/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 7045 BRANCH COURT?+
The most recent tax bill on record (2025) was $4,297. 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 $590,000, this home is listed about 39% 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 7045 BRANCH 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
Four things that matter here
01Positioned at the premium end
$590,000 runs 39% above the ST CLOUD 34771 median — but at 2,503 sqft it's also 27% larger than the typical St Cloud listing.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
147 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $615,000, now $590,000 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Eddie Lopez. MLS #O6386611.
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 7045 BRANCH COURT 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 David to ping you on any price or status change →