David Ramirez
$349,9004 bd2 ba1,647 sqft$212 /sqft$2,388 /mo all-in ↓

121 S CANOE CREEK ROAD, KENANSVILLE, FL, 34739

Active5 days on marketListed Aug 6, 2026MLS #O6430720

New constructionSingle Family ResidenceHAF HOP UNIT 2

About this home

121 S CANOE CREEK ROAD

Virtually Staged. 100% financing available through a USDA loan! Experience the perfect blend of modern comfort and peaceful country living in this brand-new 2025 construction home located in charming Kenansville—with NO HOA, no rear neighbors, and no immediate side neighbors. Situated on nearly a quarter-acre, this property offers wide-open surroundings, an expansive driveway, and plenty of room for your boat, RV, jet skis, and other outdoor toys! Step inside and be welcomed by abundant natural light, an open-concept layout, impressive 15-foot vaulted ceilings, recessed lighting, and durable tile flooring throughout for easy maintenance. The modern kitchen features quartz countertops, new stainless steel appliances, generous cabinetry and pantry space, plus breakfast-bar seating for casual dining. A separate dining area provides additional space for everyday meals and entertaining. The split-bedroom floor plan offers added privacy, with the secondary bedrooms located on the opposite side of the home from the primary suite. The spacious primary retreat also showcases soaring vaulted ceilings, a walk-in closet, and a private en-suite bathroom complete with dual vanities, a soaking tub, and a separate glass-enclosed walk-in shower. Additional highlights include a private well with an advanced water-filtration system and a new septic tank. Enjoy peaceful mornings, open skies, natural surroundings, and the freedom of country living without sacrificing modern finishes. Outdoor adventure is always nearby! Explore Lake Marian, a 6,000-acre spring-fed lake known for fishing, boating, kayaking, wildlife, and beautiful sunsets. A public boat ramp, fishing pier, and Lake Marian Restaurant are just minutes away. Wild Florida’s Drive-Thru Safari Park, Gator Park, animal encounters, and airboat adventures are also within easy reach. Enjoy convenient access to St. Cloud and approximately an hour to Orlando-area conveniences. If you have been dreaming of a new modern home with privacy, open space, outdoor recreation, and no HOA, this is the one!

Facts & features

The home at a glance

4

Bedrooms

2

Bathrooms

1,647

Sqft

0.23 ac

Lot size

2

Garage

2025

Year built

One

Levels

$212

Per sqft

Park/Greenbelt & Trees/Woods view

Inside

FlooringPorcelain Tile · Tile
AppliancesConvection Oven · Dishwasher · Electric Water Heater · Microwave · Water Filtration System
InteriorEating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · Primary Bedroom Main Floor · Vaulted Ceiling(s) · Walk-In Closet(s)
LaundryElectric Dryer Hookup · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock
FoundationBlock · Slab
ViewPark/Greenbelt · Trees/Woods
FacesNorth
ParkingDriveway
ExteriorPrivate Entrance · Private Mailbox · Sliding Doors

Community & fees

Taxes (2025)$165/yr
PetsCats OK, Dogs OK

Utilities & systems

UtilitiesCable Available · Electricity Available
WaterPublic · Well

The numbers

What it really costs

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

$2,388 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,060
FHA mortgage insurance (est.)$155
Property tax — 2025 actual bill$14
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $12,247Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $12,247
Interest rate6.00%
Loan term

Estimated payment

$2,388/mo

Principal & interest$2,060
FHA mortgage insurance (est.)$155
Property taxes (actual bill)$14
Est. insurance$160

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.

Where it sits

Inside Kenansville

Map of 121 S CANOE CREEK ROAD

Get to know Kenansville. See the full Kenansville guide →

KENANSVILLE 34739 — neighborhood snapshot

Population

858

Median age

50.7

Median home value

$186,800

Avg household

2.31

Households w/ children

80%

For the school run

Osceola County School District

HighHarmony High School★★★★★
ElementaryHarmony Community School★★★★
MiddleSt. Cloud Middle School★★★★★

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

The numbers that matter

The Kenansville market

Seller’s marketLeans seller4.3 months of inventoryBuyer’s market

$875K$220K

Kenansville median sold, yr/yr

90.2%

Sale-to-list ratio (12 mo)

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

This home is listed 33% above the KENANSVILLE 34739 median. See the full Kenansville market guide →

Paper trail

This home's history

Aug 6, 2026Listed at $349,900 · 5 days on market since
2025Built · HAF HOP UNIT 2

Reality check

What actually sold near 121 S CANOE CREEK ROAD

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

541 HORIZON DRIVESold · Aug ’25

$160,000

541 HORIZON DRIVE

3 bd · 2 ba · 1,568 sqft · $102/sqft · 78 DOM

545 HORIZON DRIVESold · Apr ’26

$220,000

545 HORIZON DRIVE

3 bd · 2 ba · 1,540 sqft · $143/sqft · 95 DOM

255 GRANT BASS ROADSold · Jun ’26

$215,000

255 GRANT BASS ROAD

3 bd · 2 ba · 1,980 sqft · $109/sqft · 11 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 121 S CANOE CREEK 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 121 S CANOE CREEK ROAD — before you fall in love.

See it in person

Schedule a tour

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Straight answers

121 S CANOE CREEK ROAD FAQs

What would the monthly payment be for 121 S CANOE CREEK ROAD?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,388/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 121 S CANOE CREEK ROAD?+

The most recent tax bill on record (2025) was $165. 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 121 S CANOE CREEK 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 Kenansville?+

At $349,900, this home is priced right at the Kenansville median.

Which schools are assigned to 121 S CANOE CREEK ROAD?+

Harmony High School (high), Harmony Community School (elementary), St. Cloud Middle School (middle) — Osceola County School District. Always verify school assignments with the district before relying on them.

The brief

Four things that matter here

01Positioned at the premium end

$349,900 runs 33% above the KENANSVILLE 34739 median.

02Park/Greenbelt & Trees/Woods views

The park/greenbelt and trees/woods view is part of what you're buying — views hold value independently of the structure.

03Fresh on the market

Only 5 days on market in a Kenansville market that averages 112 — if it fits, move quickly.

04Strong assigned schools

Harmony High School, Harmony Community School, St. Cloud Middle School — Harmony Community School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of NETWORTH REALTY OF ORLANDO, LLC · Wendy Aldana LLC. MLS #O6430720.

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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