4305 MUTTER ROAD, ST CLOUD, FL, 34769
Pending13 days on marketListed Jul 6, 2026MLS #O6421937
About this home
4305 MUTTER ROAD
Virtually Staged. MULTIPLE OFFERS - HIGHEST AND BEST OFFERS DUE BY 5:00 PM ON 7/13/26. Welcome! This 3-bedroom, 2-bathroom home sits in a central location with direct connectivity to shopping, dining, recreation, and healthcare. The property combines practical interior finishes with outdoor living and a two-car garage, all positioned minutes from the Florida Turnpike, major roadways, and local amenities. Inside, easy-to-clean tile flooring runs through the kitchen, dining room, living room, hallways, and both bathrooms, while warm, luxury vinyl plank flooring covers the bedrooms. A vaulted ceiling in the main living area and a cathedral ceiling in the primary suite add to the home, offering a light and airy feeling. The screened lanai extends the living space outdoors, creating an additional area for relaxation and entertaining no matter the weather. Its fenced backyard provides privacy and even more space for outdoor activities, whether for pets, gardening, or get-togethers. Location is a major strength here. The home sits near Florida Turnpike entry points for easy commuting and travel throughout Central Florida. Lakefront Park is nearby for recreation and community events, while multiple shopping centers provide immediate access to retail options and services. A Walmart Supercenter is minutes away for comprehensive shopping needs, along with Publix Super Market for everyday groceries and pharmacy services. Golf enthusiasts will appreciate proximity to both Royal Links and Remington Golf Club, offering different course styles. For outdoor exploration, Twin Oaks Conservation Area is close by with hiking trails and nature observation opportunities, and Whaleys Landing Public Boat Ramp provides convenient lake access. Healthcare needs are well-served with Orlando Health Hospital nearby. The local Parks and Recreation facilities round out the neighborhood's appeal with sports courts, athletic fields, a pool, splash pad, playground, and community programming. Schedule your private showing today and experience this well-positioned home firsthand.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,154
Sqft
0.18 ac
Lot size
2
Garage
2001
Year built
One
Levels
$242
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.
$2,310 /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
$2,310/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
−16.5%
$/sqft vs PINE ISLE
$242 vs $286
Days on market
13 vs 33 typical
Where $242/sqft sits among the 20 homes for sale in PINE ISLE
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
Get to know St Cloud. See the full St Cloud guide →
ST CLOUD 34769 — neighborhood snapshot
Population
29,247
Median age
36
Median income
$58,764
Median home value
$271,800
Avg household
2.93
Households w/ children
3,039
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)
0 of 20
PINE ISLE have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
Paper trail
This home's history
Reality check
What actually sold near 4305 MUTTER ROAD
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$360,000
13389 SW 287th Ter # 0, Homestead FL 33033 · same community
3 bd · 2.5 ba · 1,296 sqft · $278/sqft · 43 DOM
Sold · Jun ’26$330,000
13309 SW 287th Ter, Homestead FL 33033 · same community
3 bd · 2.5 ba · 1,483 sqft · $223/sqft · 165 DOM
Sold · May ’26$399,000
13410 SW 286th St, Homestead FL 33033 · same community
3 bd · 2.5 ba · 1,695 sqft · $235/sqft · 48 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 4305 MUTTER ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4305 MUTTER 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
4305 MUTTER ROAD FAQs
What would the monthly payment be for 4305 MUTTER ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,310/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 4305 MUTTER ROAD?+
The most recent tax bill on record (2025) was $4,613. 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 4305 MUTTER ROAD?+
The listing reports pets: 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 $279,000, this home is listed about 34% 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 4305 MUTTER ROAD?+
Lakeview Elementary School (elementary), St. Cloud High School (high), St. Cloud Middle School (middle) — Osceola County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of BERKSHIRE HATHAWAY HOMESERVICES RESULTS REALTY · Joseph Doher. MLS #O6421937.
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 4305 MUTTER ROAD 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 →