420 JACKS MEMORIAL RD, ST CLOUD, FL, 34769
Active53 days on marketListed May 28, 2026MLS #S5150387
About this home
420 JACKS MEMORIAL RD
Sitting on a stunningly beautiful 1.19-acre lot, this fantastic home is a true one-of-a-kind property that offers multiple living options and has loads of potential! This is two homes in one with separate entrances making it a perfect multi-generational home or just a single-family home with space and privacy for everyone. The original home was built in 1925 and has been fully modernized. An addition was built in 2009 adding an additional 896 square feet to the home. There are 2 full kitchens as well as 2 separate living and dining areas. The original house has 2 bedrooms, a bonus room and a cozy office. The addition has 2 more bedrooms, one with sliding glass doors that open to the Florida room and a primary bedroom with its own handicap access bathroom with a roll in shower and grab bars. There is a cozy front porch where you can sit and sip your coffee and watch the sun rise and huge insulated rear Florida room that overlooks the beautiful and peaceful fenced in back yard. There are multiple sheds on the property already with plenty of room for storage but you can let your imagination run free to picture multiple options like gardening, pets, outdoor hobbies, a gazebo or boat and RV storge, all without the restriction of an HOA. Located on a quiet dead-end street this is truly a unique location as you're just minutes from shopping and dining yet you feel like you're in your own quite country setting miles away from it all. Lakeview Elementary School is just around the block and it's just a short drive to East Lake Toho and Waterfront Park. Major roads are just minutes away giving you quick access to the Florida Turnpike, Disney, Universal, and all that Central Florida has to offer. Don't miss this opportunity to own a truly unique property and make it your own personal sanctuary!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
1,990
Sqft
1.19 ac
Lot size
1925
Year built
One
Levels
$216
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.
$3,009 /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
$3,009/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
−11.7%
$/sqft vs S L & I C
$216 vs $326
Days on market
53 vs 33 typical
Where $216/sqft sits among the 38 homes for sale in S L & I C
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
Get to know St Cloud. See the full St Cloud guide →
ST CLOUD 34769 — neighborhood snapshot
Population
29,247
Median age
36
Median income
$58,764
Median home value
$271,800
Avg household
2.93
Households w/ children
3,039
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)
16 of 38
S L & I C have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 56% above the ST CLOUD 34769 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 420 JACKS MEMORIAL RD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$660,000
2827 GODWIN ROAD · same community
3 bd · 3 ba · 1,986 sqft · $332/sqft · 20 DOM
Sold · Dec ’25$568,000
4145 RAMBLER AVENUE · same community
4 bd · 2.5 ba · 1,985 sqft · $286/sqft · 78 DOM
Sold · Jan ’26$450,000
1801 EASTERN AVENUE · same community
3 bd · 2 ba · 2,027 sqft · $222/sqft · 5 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 420 JACKS MEMORIAL RD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 420 JACKS MEMORIAL RD — 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
420 JACKS MEMORIAL RD FAQs
What would the monthly payment be for 420 JACKS MEMORIAL RD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,009/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 420 JACKS MEMORIAL RD?+
The most recent tax bill on record (2025) was $1,538. 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 420 JACKS MEMORIAL RD?+
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 $429,900, this home is listed about 1% 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 420 JACKS MEMORIAL RD?+
Lakeview Elementary School (elementary), St. Cloud High School (high), St. Cloud Middle School (middle) — Osceola County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · David Warzycha. MLS #S5150387.
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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