3444 PACKARD AVENUE, ST CLOUD, FL, 34772
Active168 days on marketListed Feb 2, 2026MLS #S5143022
About this home
3444 PACKARD AVENUE
PRICE REDUCED!!! This 4-bedroom, 3-bathroom residence on 2.64 acres offers an open-plan layout with significant potential for customization, catering to country living without HOA restrictions. Featuring a custom private gate, this property combines privacy and space, providing a versatile, expansive, and private living experience.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,150
Sqft
2.64 ac
Lot size
2023
Year built
One
Levels
$312
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.
$4,600 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,600/mo
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.
vs edgeAI estimate
+48.8%
$/sqft vs St Cloud actives
$312 vs $221
Days on market
168 vs 33 typical
Where $312/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 Manor Estates
Drive times from this address
Get to know St Cloud. See the full St Cloud guide →
St. Cloud Manor Estates — neighborhood snapshot
Population
1,083
Median age
36
Median income
$80,575
Median home value
$311,300
Avg household
3
Households w/ children
122
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)
188 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 81% above the ST CLOUD 34772 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 3444 PACKARD AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$583,000
4540 PINE TREE DR · same community
3 bd · 2 ba · 2,124 sqft · $274/sqft · 125 DOM
Sold · Jan ’26$505,000
4510 PINE TREE DRIVE · same community
3 bd · 2.5 ba · 2,336 sqft · $216/sqft · 34 DOM
Sold · Jan ’26$632,000
4450 PINE TREE DRIVE · same community
3 bd · 2.5 ba · 2,406 sqft · $263/sqft · 44 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 3444 PACKARD AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3444 PACKARD AVENUE — 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
3444 PACKARD AVENUE FAQs
What would the monthly payment be for 3444 PACKARD AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,600/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 3444 PACKARD AVENUE?+
The most recent tax bill on record (2025) was $6,880. 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 $669,999, this home is listed about 58% 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 3444 PACKARD AVENUE?+
Hickory Tree Elementary School (elementary), St. Cloud 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
$669,999 runs 81% above the ST CLOUD 34772 median.
02Time on market is leverage
168 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $679,999, now $669,999 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 ALL HOMES & PROPERT · Reshma Munjal. MLS #S5143022.
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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