3225 PACKARD AVENUE, ST CLOUD, FL, 34772
Active81 days on marketListed Apr 30, 2026MLS #O6403521
About this home
3225 PACKARD AVENUE
Discover the perfect blend of space, privacy, and opportunity with this beautifully maintained manufactured home nestled on a generously sized lot. This manufacture built residence has been thoughtfully improved over the years, offering enhanced comfort and functionality for today’s lifestyle. It provides endless possibilities—whether you’re looking to expand, add additional structures, store equipment, or simply enjoy the freedom of wide-open space with no HOA restrictions. The home itself reflects pride of ownership, with notable upgrades that elevate its livability while maintaining a warm and inviting atmosphere. Inside, you’ll find a flexible layout designed for both everyday living and accommodating guests. Property offers more functional living space than public records reflect, providing added versatility and value. Enjoy the best of both worlds—quiet country-style living while still being conveniently close to everything St. Cloud has. Residents benefit from nearby access to the scenic Lakefront Park, known for its walking trails, marina, restaurant, and relaxing waterfront views. The area also features local shops, dining, and easy connectivity to Orlando, Lake Nona Medical City, and major roadways. This is an exceptional opportunity for homeowners, investors, or those seeking land and flexibility in a growing Central Florida market. Embrace the space, the upgrades, and the potential—this property is ready to deliver.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
924
Sqft
2.14 ac
Lot size
1990
Year built
One
Levels
$352
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.
$2,478 /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
$2,478/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
$352 vs $221
Days on market
81 vs 33 typical
Where $352/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 Manor Estates
Drive times from this address
Get to know St Cloud. See the full St Cloud guide →
St. Cloud Manor Estates — neighborhood snapshot
Population
1,083
Median age
36
Median income
$80,575
Median home value
$311,300
Avg household
3
Households w/ children
122
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)
189 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 12% below the ST CLOUD 34772 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 3225 PACKARD AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$269,000
3205 LA SALLE AVENUE · same community
3 bd · 2 ba · 920 sqft · $292/sqft · 74 DOM
Sold · Oct ’25$300,100
3261 LA SALLE AVENUE · same community
3 bd · 2 ba · 1,848 sqft · $162/sqft · 8 DOM
Sold · Sep ’25$405,000
3248 HENRY J AVENUE · same community
3 bd · 2 ba · 1,960 sqft · $207/sqft · 56 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 3225 PACKARD AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3225 PACKARD AVENUE — 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
3225 PACKARD AVENUE FAQs
What would the monthly payment be for 3225 PACKARD AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,478/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 3225 PACKARD AVENUE?+
The most recent tax bill on record (2025) was $3,145. 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 3225 PACKARD AVENUE?+
The listing reports pets: Cats OK, Dogs OK, 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 $324,900, this home is listed about 24% 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 3225 PACKARD AVENUE?+
Hickory Tree Elementary School (elementary), St. Cloud 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 JCL REALTY INC · Rene Escobar, Sr.. MLS #O6403521.
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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