David Ramirez
$599,900$699,9004 bd2 ba1,899 sqft$316 /sqft$3,896 /mo all-in ↓

1860 MUSTANG COURT, ST CLOUD, FL, 34771

Active250 days on marketListed Nov 26, 2025MLS #S5139144

Reduced $100KSingle Family ResidenceBAY LAKE RANCH UNIT 3

About this home

1860 MUSTANG COURT

One or more photo(s) has been virtually staged. HONEY, STOP THE CAR!! BAY LAKE RANCH HOME ON 2.27 ACRE LOT at the END OF CUL-DE-SAC. UPDATES: METAL ROOF (2012), A/C (2017), Rheem Performance TANKLESS WATHER HEATER (2023), Rheem WiFi-Enabled Smart WATER SOFTENER (2023), Briggs & Stratton 20KW WHOLE-HOME GENERATOR (2022) with a 500-GALLON PROPANE TANK, and LG RANGE, REFRIGERATOR, WASHER AND DRYER (2021). Nestled under a canopy of lush landscaping and mature oak trees, this custom 4-bedroom, 2-bath home sits on a 2.27-acre lot with NO HOA in the highly sought-after Bay Lake Ranch community. Located in a cul-de-sac and bordered by the 1,100-acre Lake Lizzie Conservation Area, the property offers exceptional privacy and natural beauty. This well-maintained home features an open floor plan, split bedrooms, and a 32x10 covered, screened lanai ideal for entertaining. Skylights fill the home with natural light. Additional highlights include LEXAN HURRICAN SHUTTERS and irrigation to maintain the lush landscaping. Step inside to a spacious living room with a BAY WINDOW, flowing into the dining room with views of the backyard. The kitchen offers a VAULTED CEILINGS, BREAKFAST BAR with stools, large sliding PASS-THROUGH WINDOW to the lanai, granite countertops, wood cabinets with wine glass holders, magnetic utensil rack, and an LG REFRIGERATOR with French doors, double drawers, and KRAFT ICE MAKER. A closet pantry provides ample storage. The family room features tile floors and large sliders that open to the backyard. The SPLIT FLOOR PLAN places the primary suite on one side of the home. The primary bedroom includes DOUBLE SLIDERS that fully open for abundant natural light and excellent cross ventilation. The ensuite bathroom offers a GARDEN TUB, separate shower, double vanity, and a SPACIOUS WALK-IN CLOSET. The opposite side of the home features THREE ADDITIONAL BEDROOMS and a hall bath. Bedroom 2 includes both a WALKI-IN AND STANDARD CLOSET. Bedroom 3 OVERLOOKS BACK YARD. Bedroom 4 includes a MURPHY BED, which is included with the purchase. This property also offers EXCEPTIONAL STORAGE and workspace with MULTIPLE OUTBUILDINGS, including a DETACHED 2 CAR GARAGE 24x24 WORKBENCHES and attic fan, a 20x18 ENCLOSED STEEL BARN with COVERED AREA, a 450 sq ft DOUBLE CARPORT, and an additional STEEL POLE BARN. All outbuildings are equipped with WATER AND POWER, and the property is secured by a 16' SOLAR POWERED GATE. The home is equipped with IN-WALL PEST CONTROL (Pest Tubes), an interior treatment system installed during construction that can be serviced by most local pest control companies. With plenty of room to expand, garden, or even keep a horse or two, this property offers acreage, privacy, and versatility in one of St. Cloud’s most desirable communities. Residents of Bay Lake Ranch enjoy annual community activities including a Halloween Hayride, Holiday Tour of Lights, and Community Yard Sales. Call today to schedule your private showing! Check out the Video and Matterport!

Facts & features

The home at a glance

4

Bedrooms

2

Bathrooms

1,899

Sqft

2.27 ac

Lot size

4

Garage

1996

Year built

One

Levels

$316

Per sqft

Trees/Woods view

Inside

FlooringCarpet · Tile
AppliancesDishwasher · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer · Water Softener
InteriorCeiling Fan(s) · High Ceilings · In Wall Pest System · Kitchen/Family Room Combo · Open Floorplan · Skylight(s) · Solid Wood Cabinets · Split Bedroom · Vaulted Ceiling(s) · Walk-In Closet(s)
LaundryIn Garage · Laundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofMetal
ConstructionBlock · Stucco
FoundationSlab
ViewTrees/Woods
FacesNorth
ExteriorGarden · Irrigation System · Rain Gutters · Sliding Doors

Community & fees

Taxes (2024)$3,292/yr

Utilities & systems

UtilitiesCable Connected
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.

$3,896 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,237
PMI (est., until 20% equity)$225
Property tax — 2024 actual bill$274
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $59,990Loan30-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% · $59,990
Interest rate6.00%
Loan term

Estimated payment

$3,896/mo

Principal & interest$3,237
PMI (est., until 20% equity)$225
Property taxes (actual bill)$274
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.

List $600K
$375KedgeAI estimate $400,813 · range $391K$420K$624K

vs edgeAI estimate

+49.7%

$/sqft vs BAY LAKE RANCH UNIT 3

$316 vs $331

Days on market

250 vs 43 typical

Where $316/sqft sits among the 6 homes for sale in BAY LAKE RANCH UNIT 3

2
0
1
0
1 · this home
2
$236–256$256–275$275–295$295–315$315–335$335+

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 1860 MUSTANG COURT

Drive times from this address

Universal Orlando50 min
Orlando Int’l Airport (MCO)50 min
Walt Disney World51 min
Downtown Orlando51 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

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 marketLeans seller4.7 months of inventoryBuyer’s market

$412K$407K

St Cloud median sold, yr/yr

98.4%

Sale-to-list ratio (12 mo)

5 of 6

BAY LAKE RANCH UNIT 3 have cut their price

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

This home is listed 40% above the ST CLOUD 34771 median. See the full St Cloud market guide →

Paper trail

This home's history

CurrentPrice reduced to $599,900 $100K
Nov 26, 2025Listed at $699,900 · 250 days on market since
1996Built · BAY LAKE RANCH UNIT 3

Reality check

What actually sold near 1860 MUSTANG COURT

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

7060 BUCKHORN TRAILSold · Dec ’25

$530,000

7060 BUCKHORN TRAIL · same community

3 bd · 2 ba · 1,872 sqft · $283/sqft · 18 DOM

6990 BUCKHORN TRAILSold · Jun ’26

$650,000

6990 BUCKHORN TRAIL · same community

4 bd · 2 ba · 1,867 sqft · $348/sqft · 5 DOM

7060 BRIDLE PATHSold · Apr ’26

$610,000

7060 BRIDLE PATH · same community

4 bd · 2 ba · 2,007 sqft · $304/sqft · 38 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 1860 MUSTANG COURT — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1860 MUSTANG COURT — 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.

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Goes straight to David’s phone and CRM.

Straight answers

1860 MUSTANG COURT FAQs

What would the monthly payment be for 1860 MUSTANG COURT?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,896/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 1860 MUSTANG COURT?+

The most recent tax bill on record (2024) was $3,292. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in St Cloud?+

At $599,900, this home is listed about 40% above the St Cloud median of $429,000. The market section on this page shows how the area is trending.

Which schools are assigned to 1860 MUSTANG COURT?+

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

Four things that matter here

01Positioned at the premium end

$599,900 runs 40% above the ST CLOUD 34771 median.

02Trees/Woods views

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

03Time on market is leverage

250 days on market against a St Cloud median of 43 — sellers in this position are usually ready to negotiate.

04The price has already moved

Listed at $699,900, now $599,900 — a $100K cut. The full history is in the market section below.

Listing courtesy of REMAX PREMIER PROPERTIES · Janet McQuagge. MLS #S5139144.

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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1860 MUSTANG COURT, ST CLOUD, FL — 4 Bed, 2 Bath — $599,900 | CENTURY 21 Edge