2647 HOUSE FINCH ROAD, ST CLOUD, FL, 34773
Active59 days on marketListed Jun 2, 2026MLS #O6412993
About this home
2647 HOUSE FINCH ROAD
Short Sale. Welcome to 2647 House Finch Road, a beautifully maintained home located in one of St. Cloud's desirable master-planned communities. Combining modern convenience, scenic surroundings, and outstanding community amenities, this property offers the perfect Florida lifestyle for homeowners seeking comfort, recreation, and natural beauty. One of the home's most desirable features is its premium rear setting. The backyard overlooks a peaceful preserve, providing privacy and tranquil natural views. A sidewalk leads to a bridge behind the property, ensuring that no homes will ever be built directly behind you, allowing you to enjoy a rare sense of openness and seclusion for years to come. Inside, the home features a functional and inviting floor plan designed for both everyday living and entertaining. The front door is equipped with electronic entry for added convenience and security, while the garage has already been wired for electric vehicle charging, making the home ready for today's modern lifestyle. Residents enjoy an impressive collection of community amenities. Within walking distance, a brand-new pool, clubhouse, and lake access ramp for kayaking are currently being added, providing even more opportunities for outdoor enjoyment. In addition, the existing community amenities include a clubhouse, resort-style pool, fitness center, and playground conveniently located along the main subdivision road. Additional conveniences include mailboxes located directly across the street, making daily errands quick and easy. Beyond the community, residents can enjoy a variety of nearby activities and attractions. Explore the boating, fishing, and waterfront recreation available at beautiful East Lake Tohopekaliga and Lakefront Park. Outdoor enthusiasts will appreciate nearby hiking and biking trails, nature preserves, parks, and kayaking opportunities throughout the area. The home is also conveniently located near shopping centers, restaurants, golf courses, and entertainment venues. For commuters and travelers, easy access to Lake Nona Medical City, Orlando International Airport, and major highways makes getting around Central Florida simple. World-famous attractions including Walt Disney World, Universal Orlando Resort, and SeaWorld are all within reasonable driving distance, making weekend adventures easily accessible. This exceptional home combines modern features, preserve views, outstanding amenities, and an unbeatable location in one of St. Cloud's fastest-growing communities. Don't miss your opportunity to enjoy the best of Florida living—schedule your private showing today!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,830
Sqft
0.14 ac
Lot size
2
Garage
2024
Year built
One
Levels
$212
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 and the real association fee — not generic estimates.
$3,232 /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
$3,232/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.
vs edgeAI estimate
−4.2%
$/sqft vs St Cloud actives
$212 vs $218
Days on market
59 vs 33 typical
Where $212/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 34773 — neighborhood snapshot
Population
5,495
Median age
38.2
Median income
$64,498
Median home value
$312,500
Avg household
3.06
Households w/ children
629
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)
202 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 22% above the ST CLOUD 34773 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 2647 HOUSE FINCH ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’25$409,990
7110 PAINTED BUNTING WAY · same community
4 bd · 2 ba · 1,828 sqft · $224/sqft · 88 DOM
Sold · Sep ’25$419,990
7098 PAINTED BUNTING WAY · same community
4 bd · 2 ba · 1,828 sqft · $230/sqft · 121 DOM
Sold · Oct ’25$392,000
7182 PAINTED BUNTING WAY · same community
4 bd · 2 ba · 1,828 sqft · $214/sqft · 141 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 2647 HOUSE FINCH ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2647 HOUSE FINCH 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.
Straight answers
2647 HOUSE FINCH ROAD FAQs
What would the monthly payment be for 2647 HOUSE FINCH ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,232/mo — principal and interest, the actual property-tax bill, the $40/mo association fee 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.
How much are the HOA fees at 2647 HOUSE FINCH ROAD?+
The association fee works out to $40 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2647 HOUSE FINCH ROAD?+
The most recent tax bill on record (2025) was $6,952. 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 2647 HOUSE FINCH ROAD?+
The listing reports pets: Cats OK, Dogs OK. 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 $387,500, this home is listed about 9% 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 2647 HOUSE FINCH ROAD?+
Harmony High School (high), Harmony Community School (elementary), Narcoossee Middle School (middle) — 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
$387,500 runs 22% above the ST CLOUD 34773 median.
02Strong assigned schools
Harmony High School, Harmony Community School, Narcoossee Middle School — Harmony Community School rates 4 of 5. Always verify assignments with the district.
03The price has already moved
Listed at $400,000, now $387,500 — a $13K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of TRUDEALS REALTY CORP · Candace Garber. MLS #O6412993.
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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