
1985 MUSTANG COURT, ST CLOUD, FL, 34771
Active111 days on marketListed Apr 9, 2026MLS #S5147433
About this home
1985 MUSTANG COURT
PRICE IMPROVEMENT! Welcome to your private slice of country living in Bay Lake Ranch—where space, comfort, and freedom come together with no HOA. This beautifully maintained 3-bedroom, 2-bath home offers the perfect balance of peaceful surroundings and everyday convenience, along with numerous recent updates including roof, AC system, water heater, water treatment system, vinyl plank flooring, kitchen cabinets, and updated bathrooms. As you arrive, you’re greeted by a long extended driveway, providing ample parking for both residents and guests while setting the tone for the privacy this property offers. The home’s modern exterior is complemented by a spacious covered front patio—an ideal spot to relax and enjoy the outdoors while staying shaded from the Florida sun. Step inside to a thoughtfully designed layout where the living room, dining area, and kitchen flow together seamlessly while still offering defined spaces for comfortable living and entertaining. The living room is filled with natural light, highlighted by double doors that open directly to the pool deck, creating a true indoor-outdoor living experience. Brand new vinyl plank flooring runs throughout the home, adding both style and durability. The kitchen is designed for both function and style, featuring brand new kitchen cabinets, abundant counter space, stainless steel appliances, a tiled backsplash, two pantries for added storage, and wraparound bar seating—perfect for casual meals or hosting guests with ease. Down the hallway, you’ll find all three bedrooms, offering privacy from the main living areas. The oversized primary suite is a true retreat, complete with a large window and cozy seating area for added charm. It also features an en-suite bathroom with dual vanities, a soaking garden tub, a glass walk-in shower, and direct access to the backyard—perfect for convenient entry from the pool. The bathrooms throughout the home have also been updated. A versatile bonus room connected to the primary suite provides endless possibilities, whether used as a home office, playroom, or flex space. The additional bedrooms are similar in size and layout, each offering plenty of natural light. Step outside to your screened-in pool deck—an ideal space to unwind or entertain. The oversized pool is perfect for gatherings, while the covered patio with a ceiling fan offers a comfortable place to relax year-round. Beyond the screen enclosure, you’ll find a massive backyard with endless potential—perfect for pets, outdoor activities, or simply enjoying your own private space. Located just a short drive from major roadways, shopping, and dining, this property offers the tranquility of country living without sacrificing convenience.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,170
Sqft
3.72 ac
Lot size
2
Garage
1986
Year built
One
Levels
$242
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.
$4,015 /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
$4,015/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
−20.5%
$/sqft vs BAY LAKE RANCH UNIT 3
$242 vs $331
Days on market
111 vs 33 typical
Where $242/sqft sits among the 8 homes for sale in BAY LAKE RANCH UNIT 3
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)
6 of 8
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 24% 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 1985 MUSTANG COURT
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$700,000
2260 BRONCO DRIVE · same community
3 bd · 2 ba · 2,156 sqft · $325/sqft · 107 DOM
Sold · Nov ’25$575,000
6985 RANCHERO COURT · same community
4 bd · 3 ba · 2,084 sqft · $276/sqft · 65 DOM
Sold · Mar ’26$467,500
2225 BRONCO DRIVE · same community
4 bd · 2 ba · 2,073 sqft · $226/sqft · 107 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 1985 MUSTANG COURT — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1985 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.
Straight answers
1985 MUSTANG COURT FAQs
What would the monthly payment be for 1985 MUSTANG COURT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,015/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 1985 MUSTANG COURT?+
The most recent tax bill on record (2025) was $6,386. 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 $525,000, this home is listed about 24% 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 1985 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
$525,000 runs 24% above the ST CLOUD 34771 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
111 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $600,000, now $525,000 — a $75K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Steve Pugh. MLS #S5147433.
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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