4840 OLD OAK TRAIL, ST CLOUD, FL, 34771
Active119 days on marketListed Mar 26, 2026MLS #O6390897
About this home
4840 OLD OAK TRAIL
One or more photo(s) has been virtually staged. Welcome to this rare NO HOA, highly desirable property offering privacy, flexibility, and all situated on a spacious acre of land complete with a serene pond. Located in a well sought-after neighborhood, this unique estate features two separate homes, making it perfect for multi-generational living. The second home may be used as a mother-in-law suite, guesthouse or residual income. The main residence boasts a 3-bedroom, 2-bath open floor plan designed for comfortable living and entertaining, highlighted by a gas stove in the kitchen. The bright and airy layout creates a seamless flow throughout the home. Both homes share a tankless gas water heater as well as septic tank and well water. The detached mother-in-law suite offers a 1 bedroom, 1 bath, full kitchen equipped with an electric stove, and its own laundry room. This secondary home also includes hurricane shutters. Enjoy the tranquility of your private pond and expansive outdoor space, all while being conveniently located near local amenities. This is a rare opportunity to own a versatile property with endless possibilities.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,617
Sqft
1 ac
Lot size
2
Garage
2019
Year built
One
Levels
$344
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.
$5,685 /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
$5,685/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
+68.2%
$/sqft vs St Cloud actives
$344 vs $221
Days on market
119 vs 33 typical
Where $344/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)
194 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 111% 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 4840 OLD OAK TRAIL
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$708,000
4835 CITRUS OAK LANE · same community
3 bd · 2.5 ba · 2,250 sqft · $315/sqft · 4 DOM
Sold · Oct ’25$462,000
1540 SOFTSHELL STREET
4 bd · 3 ba · 2,575 sqft · $179/sqft · 139 DOM
Sold · Nov ’25$449,800
4796 RIVERWALK DRIVE
4 bd · 3 ba · 2,525 sqft · $178/sqft · 229 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 4840 OLD OAK TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4840 OLD OAK TRAIL — 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
4840 OLD OAK TRAIL FAQs
What would the monthly payment be for 4840 OLD OAK TRAIL?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,685/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 4840 OLD OAK TRAIL?+
The most recent tax bill on record (2025) was $4,044. 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 $899,000, this home is listed about 112% 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 4840 OLD OAK TRAIL?+
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.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Vanessa Suarez. MLS #O6390897.
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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