
1300 S NARCOOSSEE ROAD, ST CLOUD, FL, 34771
Active46 days on marketListed Jun 7, 2026MLS #S5151436
About this home
1300 S NARCOOSSEE ROAD
Attention auto collectors and car enthusiasts!! Four-car garage plus two double carports to store all your vehicles!! Custom-built well-cared-for and immaculate 2-story home on 2.38 acres. This home was built by the owner and it is one of the best-designed homes we've ever seen! Drive up and pull around on the huge paved driveway, away from traffic and click open the garage door. There are two oversized and connected 2-car garages, which lead up a couple of steps to the main home, or another door leads directly to the master bath. The main floor consists of a great room, with an open kitchen, dining room and huge living room wired for surround-sound speakers, and sliding glass doors out to the screened lanai. From the lanai there is a concrete pad for the barbecue, or just open space for you to enjoy nature. The kitchen has wraparound granite counters, breakfast bar with seating, lots of wood cabinets, and all appliances will stay, including one washer and dryer. The dining area has a tray ceiling. The entire home has high ceilings that make for a spacious feeling. The primary suite has a large bedroom with sliding glass doors out to the lanai, and a private bath with walk-in closet and huge tiled walk-in shower plus dual sinks. This bath leads out to the two garages. Back inside there is bedroom 2, with its own attached full bath. Bedroom 3 has the hall bath, which is the third full bath. Each of these bedrooms has spacious double closets. Going up the wooden staircase, see bedroom 4 on your right, with its own bath, to include a glass-door tiled tub/shower, and walk-in closet. This room also has an ironing board closet. There is a large bonus room, perfect as a media center, or game room. There is storage in the attic room. Outside the front double doors, see the wide and welcoming front porch. There are two RV carports, with hot water, and a storage shed. There are three lots being sold all together. The home is on the middle lot, and the two other properties are buildable lots. Each parcel has its own parcel ID, so you will not need to do a lot split if you just want to sell one lot, or both side lots. There is a termite bond on the property, and a water softener system. There is no HOA here, and the property is on well and septic, to save you money on water bills. Brand-new roof in December 2025. Located on Narcoossee Road, with easy access to the Greenway 417, Lake Nona Medical City, and a short drive to Orlando Int'l Airport.
Facts & features
The home at a glance
4
Bedrooms
4
Bathrooms
2,424
Sqft
2.38 ac
Lot size
4
Garage
2005
Year built
Two
Levels
$328
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.
$5,002 /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
$5,002/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.
$/sqft vs St Cloud actives
$328 vs $221
Days on market
46 vs 33 typical
Where $328/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 87% 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 1300 S NARCOOSSEE ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$865,000
4873 OLD OAK TRAIL · same community
4 bd · 3 ba · 2,534 sqft · $341/sqft · 196 DOM
Sold · Jan ’26$440,000
4873 CHISHOLM PARK TRAIL · same community
4 bd · 2 ba · 1,647 sqft · $267/sqft · 39 DOM
Sold · Feb ’26$465,000
420 KETCH ROAD · same community
3 bd · 2 ba · 1,460 sqft · $318/sqft · 63 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 1300 S NARCOOSSEE ROAD — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1300 S NARCOOSSEE ROAD — 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
1300 S NARCOOSSEE ROAD FAQs
What would the monthly payment be for 1300 S NARCOOSSEE ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,002/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 1300 S NARCOOSSEE ROAD?+
The most recent tax bill on record (2025) was $3,051. 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 1300 S NARCOOSSEE ROAD?+
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 $795,000, this home is listed about 87% 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 1300 S NARCOOSSEE ROAD?+
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 ASSIST 2 SELL ACE FULL SERVICE REALTY · Don Ruizzo. MLS #S5151436.
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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