David Ramirez
$1,330,0004 bd3.5 ba4,558 sqft$292 /sqft$8,365 /mo all-in ↓

2630 FRANKLIN ROAD, ST CLOUD, FL, 34771

Active7 days on marketListed Jul 13, 2026MLS #O6422764

Single Family ResidenceN/A

About this home

2630 FRANKLIN ROAD

Welcome to this extraordinary CUSTOM-BUILT home, offered by the original owner and perfectly situated on a private 2.27-ACRES home site in Saint Cloud. Ideally located minutes from Lake Nona, Sunbridge, Medical City, Orlando International Airport, and major roadways, this exceptional residence offers the perfect balance of luxury, privacy, and convenience. A beautiful entrance with a PRIVATE GATE creates an impressive arrival, leading to 4,558 square feet of thoughtfully designed living space. From the moment you step inside, you'll be captivated by soaring 20-foot ceilings, crown molding, 8-foot doors, and custom craftsmanship throughout. Designed for both everyday living and entertaining, the open-concept floor plan features 4 spacious bedrooms, each with its own walk-in closet, 3.5 bathrooms, a private executive OFFICE, multiple living and gathering spaces, and a dedicated MOVIE ROOM equipped with Dolby 7 surround sound. The kitchen serves as the heart of the home, offering premium finishes, abundant cabinetry, expansive workspace, and seamless flow into the dining and family rooms. Privately positioned on the main level, the master bedroom offers dual vanities, an oversized walk-in shower, a freestanding cast-iron soaking tub, and two custom-designed walk-in closets. Upstairs, a spacious loft provides a flexible second living area, accompanied by additional bedrooms, well-appointed bathrooms, and the home's theater room. The exterior is equally impressive, featuring mature trees, a paved driveway, a OVERSIZED TWO-CAR GARAGE, and a dedicated RECREATIONAL VEHICLE CONCRETE PAD complete with utility hookups. Combining elegant design, exceptional craftsmanship, energy-efficient features, and an outstanding location, this remarkable residence presents a rare opportunity to enjoy luxury living in one of Central Florida's most desirable areas.

Facts & features

The home at a glance

4

Bedrooms

3.5

Bathrooms

4,558

Sqft

2.27 ac

Lot size

2

Garage

2014

Year built

Two

Levels

$292

Per sqft

Trees/Woods viewPets allowed

Inside

FlooringCarpet · Porcelain Tile
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range Hood · Refrigerator · Washer · Water Softener
InteriorCeiling Fan(s) · Crown Molding · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Wood Cabinets · Stone Counters · Tray Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryElectric Dryer Hookup · Laundry Chute · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
ViewTrees/Woods
FacesEast
ParkingDriveway · Garage Door Opener
ExteriorFrench Doors · Private Entrance · Rain Gutters · RV Hookup

Community & fees

Taxes (2025)$6,351/yr
PetsYes

Utilities & systems

UtilitiesElectricity Available · Electricity Connected · Fiber Optics · Phone Available
WaterWell

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$8,365 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$7,177
PMI (est., until 20% equity)$499
Property tax — 2025 actual bill$529
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $133,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $133,000
Interest rate6.00%
Loan term

Estimated payment

$8,365/mo

Principal & interest$7,177
PMI (est., until 20% equity)$499
Property taxes (actual bill)$529
Est. insurance$160

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.

$/sqft vs N/A

$292 vs $283

Days on market

7 vs 33 typical

Where $292/sqft sits among the 399 homes for sale in N/A

177
126 · this home
36
23
8
29
$126–266$266–406$406–546$546–687$687–827$827+

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

Map of 2630 FRANKLIN ROAD

Drive times from this address

Orlando Int’l Airport (MCO)34 min
Universal Orlando38 min
Downtown Orlando40 min
Walt Disney World43 min

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

ElementaryLakeview Elementary School★★★★★
MiddleNarcoossee Middle School★★★★★
HighHarmony High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The St Cloud market

Seller’s marketBalanced6.2 months of inventoryBuyer’s market

$414K$400K

St Cloud median sold, yr/yr

98.4%

Sale-to-list ratio (12 mo)

174 of 399

N/A have cut their price

Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 214% above the ST CLOUD 34771 median. See the full St Cloud market guide →

Paper trail

This home's history

Jul 13, 2026Listed at $1,330,000 · 7 days on market since
2014Built · N/A

Reality check

What actually sold near 2630 FRANKLIN ROAD

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

4701 NE JACKSONVILLE ROADSold · Dec ’25

$950,000

4701 NE JACKSONVILLE ROAD · same community

5 bd · 4 ba · 3,320 sqft · $286/sqft · 130 DOM

16422 SPRING VALLEY ROADSold · Mar ’26

$1,275,000

16422 SPRING VALLEY ROAD · same community

4 bd · 3 ba · 3,141 sqft · $406/sqft · 70 DOM

17807 SW ARCHER ROADSold · Dec ’25

$595,000

17807 SW ARCHER ROAD · same community

4 bd · 2.5 ba · 2,964 sqft · $201/sqft · 19 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 2630 FRANKLIN ROAD — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 2630 FRANKLIN 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.

Goes straight to David’s phone and CRM.

Straight answers

2630 FRANKLIN ROAD FAQs

What would the monthly payment be for 2630 FRANKLIN ROAD?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,365/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 2630 FRANKLIN ROAD?+

The most recent tax bill on record (2025) was $6,351. 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 2630 FRANKLIN 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 $1,330,000, this home is listed about 213% 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 2630 FRANKLIN ROAD?+

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

Three things that matter here

01Positioned at the premium end

$1,330,000 runs 214% above the ST CLOUD 34771 median — but at 4,558 sqft it's also nearly twice the size of 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.

03Fresh on the market

Only 7 days on market in a St Cloud market that averages 33 — if it fits, move quickly.

Listing courtesy of VINAS DEL MAR REALTY, INC. · Delmarie Martinez. MLS #O6422764.

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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