4704 LANCA LANE, ST CLOUD, FL, 34772
Active129 days on marketListed Mar 16, 2026MLS #S5145875
About this home
4704 LANCA LANE
Modern Comfort Meets Active 55+ Living in Teka Village! Welcome to your next chapter in the highly sought-after Teka Village, a warm and inviting 55+ community in St. Cloud. This meticulously maintained 2-bedroom, 2-bathroom Manufactured home offers the perfect blend of modern upgrades and resort-style amenities. Forget the "to-do" list—the heavy lifting has already been done for you. Step inside to soaring cathedral ceilings and a bright, airy floor plan. Key updates include: Major Systems: New Roof (2017), HVAC (2016), and Water Heater (2015). Recent Refresh: Main shower completely redone (2022) and all-new window screens (2022). Curb Appeal: New front door and skirting (2021), gutters (2025), and a freshly rebuilt shed (2025). Kitchen & Parking: New dishwasher (2020) and an extra-large driveway perfect for guests. Park your golf cart in the driveway and start exploring everything this community has to offer, join neighbors for Bingo, Potlucks, and community events at the clubhouse. Enjoy three scenic ponds with catch-and-release fishing, horseshoe pits, and a dedicated RV parking lot for your travel adventures. Dive into the all-season indoor community pool or host a cookout at the well-equipped grill area. Located in a serene setting that feels tucked away, you are actually minutes from everything: Less than 5 minutes to Florida's Turnpike (Exit 240/Clay Whaley Rd), providing effortless access to Orlando and beyond. Local Dining: Just 5-10 minutes from local favorites like The Catfish Place, Fiesta Azul Tequila House, and Gator's Dockside and approximately 30-35 minutes to Airport and Disney. This home offers peace of mind and a front-row seat to the best 55+ living in Central Florida. Schedule your tour today!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,269
Sqft
0.12 ac
Lot size
2000
Year built
One
Levels
$156
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 and the real association fee — not generic estimates.
$1,704 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$1,704/mo
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.
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
−7.7%
Days on market
129 vs 33 typical
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 34772 — neighborhood snapshot
Population
33,542
Median age
39.9
Median income
$86,900
Median home value
$352,400
Avg household
3.05
Households w/ children
4,027
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)
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 46% below the ST CLOUD 34772 median. See the full St Cloud market guide →
Paper trail
This home's history
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 4704 LANCA LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4704 LANCA 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
4704 LANCA LANE FAQs
What would the monthly payment be for 4704 LANCA LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,704/mo — principal and interest, the actual property-tax bill, the $120/mo association fee 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.
How much are the HOA fees at 4704 LANCA LANE?+
The association fee works out to $120 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4704 LANCA LANE?+
The most recent tax bill on record (2025) was $2,008. 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 4704 LANCA LANE?+
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 $198,500, this home is listed about 53% below the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4704 LANCA LANE?+
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
01Under the ST CLOUD 34772 market on paper
$198,500 is 46% below the ST CLOUD 34772 median of $369,999, and at $156/sqft it sits under the St Cloud average of $236.
02Time on market is leverage
129 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 $220,000, now $198,500 — a $22K cut. The full history is in the market section below.
Listing courtesy of FLORIDA REALTY RESULTS LLC · Debbie Browning. MLS #S5145875.
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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