4764 MALLARD DRIVE, ST CLOUD, FL, 34772
Active75 days on marketListed May 8, 2026MLS #S5149508
About this home
4764 MALLARD DRIVE
Welcome to this charming 3 bedroom, 2 bathroom single family home located in Saint Cloud, FL. This single story home offers 1,052 sq ft of comfortable living space on a generous 0.32-acre lot perfect for first time buyers or anyone seeking an affordable home with room to enjoy the outdoors. Inside, you’ll find a functional layout with plenty of natural light, a practical kitchen, and three comfortable bedrooms. The home features tile floors and along with a one car garage for convenient parking and storage. Outside, the spacious lot includes two sheds for extra storage, tools, or hobbies. The property also comes equipped with solar panels, helping to lower electricity costs and support energy efficient living. Located in a convenient Saint Cloud neighborhood with no HOA, this home offers a solid foundation and great potential for personalization. Whether you’re looking for your first home or a smart investment, this property delivers excellent value in a growing area. Don’t miss out schedule a showing today and make this starter home yours!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,052
Sqft
0.32 ac
Lot size
1
Garage
1989
Year built
One
Levels
$261
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.
$2,249 /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
$2,249/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
−16.4%
$/sqft vs St Cloud actives
$261 vs $220
Days on market
75 vs 33 typical
Where $261/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 Village
Get to know St Cloud. See the full St Cloud guide →
St. Cloud Manor Village — neighborhood snapshot
Population
884
Median age
36
Median income
$80,575
Median home value
$311,300
Avg household
3
Households w/ children
95%
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)
189 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 26% below the ST CLOUD 34772 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 4764 MALLARD DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$312,000
4864 LAKE SHORE DRIVE · same community
3 bd · 2 ba · 1,062 sqft · $294/sqft · 7 DOM
Sold · Nov ’25$325,000
4704 JAY DRIVE · same community
3 bd · 2 ba · 1,172 sqft · $277/sqft · 36 DOM
Sold · Sep ’25$305,000
3743 TUCKER AVENUE · same community
3 bd · 2 ba · 1,185 sqft · $257/sqft · 50 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 4764 MALLARD DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4764 MALLARD DRIVE — 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
4764 MALLARD DRIVE FAQs
What would the monthly payment be for 4764 MALLARD DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,249/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 4764 MALLARD DRIVE?+
The most recent tax bill on record (2025) was $4,188. 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 4764 MALLARD DRIVE?+
The listing reports pets: Cats OK, Dogs OK. 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 $275,000, this home is listed about 35% 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 4764 MALLARD DRIVE?+
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
$275,000 is 26% below the ST CLOUD 34772 median of $369,900.
02Time on market is leverage
75 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 $305,000, now $275,000 — a $30K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ALPHA HOMES & INVESTMENT, INC. · Nelson Benavides. MLS #S5149508.
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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