6365 WHIP O WILL LANE, ST CLOUD, FL, 34771
Active142 days on marketListed Mar 4, 2026MLS #S5145020
About this home
6365 WHIP O WILL LANE
OWNER-OCCUPIED CUSTOM-BUILT 2 BEDROOM, 2 BATH HOME WITH LARGE BONUS ROOM AND OPEN LIVING AREA, SITUATED ON 1.88 ACRES AT THE CORNER OF WHIP O WILL LANE AND EAST IRLO BRONSON MEMORIAL HIGHWAY. PROPERTY OFFERS APPROXIMATELY 138 FEET OF FRONTAGE ON IRLO BRONSON MEMORIAL HWY AND 477 FEET ON WHIP O WILL LANE. LOCATED ACROSS FROM THE NEW AMERA TRADE CENTER (RETAIL, INDUSTRIAL, AND OFFICE USES). CURENTLY ZONED R-2. FUTURE LAND USE IS MIXED USE. SOME OF THE PERMITTED USES BASED ON R-2 DESIGNATION AND ACCORDING TO OSCEOLA PROPERTY ZONING ARE: SINGLE FAMILY DETACHED DWELLING, DAYCARE/ADULT CARE, NURSING HOME/ASSISTED LIVING, HOUSES OF WORSHIP, GROVES AND FARMS, ETC. BUYER MUST VERIFY PERMITTED USES OF PROPERTY APPOINTMENT REQUIRED.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,390
Sqft
1.88 ac
Lot size
2
Garage
1989
Year built
One
Levels
$673
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.
$5,706 /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
$5,706/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
+185.6%
$/sqft vs St Cloud actives
$673 vs $221
Days on market
142 vs 33 typical
Where $673/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
Drive times from this address
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
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)
194 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 120% above the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 6365 WHIP O WILL LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$650,000
6400 E IRLO BRONSON MEMORIAL HIGHWAY · same community
3 bd · 2 ba · 1,872 sqft · $347/sqft · 280 DOM
Sold · Sep ’25$635,000
2471 JENSCOT ROAD · same community
4 bd · 3 ba · 2,645 sqft · $240/sqft · 43 DOM
Sold · Jul ’25$317,990
2979 BRIE HAMMOCK BEND
3 bd · 2.5 ba · 1,463 sqft · $217/sqft · 13 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 6365 WHIP O WILL LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6365 WHIP O WILL LANE — 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
6365 WHIP O WILL LANE FAQs
What would the monthly payment be for 6365 WHIP O WILL LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,706/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 6365 WHIP O WILL LANE?+
The most recent tax bill on record (2025) was $1,806. 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 $935,000, this home is listed about 120% 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 6365 WHIP O WILL LANE?+
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.
Keep looking
Similar homes nearby
Listing courtesy of REMAX PREMIER PROPERTIES · Jim Hachey, Jr. MLS #S5145020.
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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