3430 WESTSHORE DRIVE, ST CLOUD, FL, 34772
Active1 days on marketListed Jul 22, 2026MLS #S5154115
About this home
3430 WESTSHORE DRIVE
4.7 Acres with Ag zoning......BEAUTIFUL LAND, "HIGH & DRY", fenced & cross-fenced, A 300-YEAR OLD GRANDFATHER OAK, picturesque entry & bridge driveway. ROOF REPLACED 2018, WATER HEATER 2017, split floor plan, vaulted ceilings, marble sills, SIDE-ENTRY GARAGE, GUTTERS. Huge FLORIDA ROOM with multiple windows and a STUNNING panoramic view of the property......create a cozy TV space & still have LOTS of space for a desk area or crafts station. We have an inside Laundry Room with a utility sink & cabinets. Double closets in the Owner's Suite with a PERFECT FOOTPRINT FOR A SPACIOUS WALK-IN DREAM CLOSET. There are TWO hall storage closets, the front AND back entries both have glass storm doors. Our back lanai has pavers and an ornate pergola......hang a swing, install screen, & create a relaxing paradise in the shade of the mature Sycamore trees. A large storage shed comes in handy for yard tools, animal supplies, or equipment.....partnered with a "lien-to", it keeps the mower of out the weather. This property is IDEAL for pasture.....horses, cows, goats, etc. Want family nearby?? Use this current residence as an "in-law" home and build a larger home only steps away. Westshore Drive is known for its MAJESTIC OAK canopy, the attractive custom homes, refreshing nearby lake breezes, & the quietness of a no-outlet street. Land to park the trailers, RV's, boats, and more. Build a chicken coop, bring the pups, plant a garden, design the workshop you've always wanted, watch the horses run, enjoy the many birds, & have a SUPER location.......Melbourne Beach is within 49+ miles, Lake Nona is within 18+ miles, Orlando International Airport is within 20+ miles, downtown St. Cloud is within 7+ miles. Grocery, medical, shopping, & delivery services are all available......fiber is being installed in the area and should be in soon for the folks who work from home. Welcome to 3430 Westshore Drive, come take a peek, you're "Almost Home".
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,924
Sqft
4.73 ac
Lot size
2
Garage
1990
Year built
One
Levels
$338
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.
$4,486 /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
$4,486/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.
vs edgeAI estimate
+71%
$/sqft vs S L & I C
$338 vs $326
Days on market
1 vs 33 typical
Where $338/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
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)
19 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 76% above the ST CLOUD 34772 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 3430 WESTSHORE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$570,000
495 ORANGE AVENUE · same community
4 bd · 3 ba · 1,900 sqft · $300/sqft · 159 DOM
Sold · Oct ’25$410,000
4335 CYPRESS DRIVE · same community
4 bd · 3 ba · 2,008 sqft · $204/sqft · 14 DOM
Sold · Feb ’26$614,900
3720 EDSEL AVE · same community
3 bd · 2 ba · 1,812 sqft · $339/sqft · 220 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 3430 WESTSHORE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3430 WESTSHORE 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
3430 WESTSHORE DRIVE FAQs
What would the monthly payment be for 3430 WESTSHORE DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,486/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 3430 WESTSHORE DRIVE?+
The most recent tax bill on record (2025) was $6,900. 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 3430 WESTSHORE DRIVE?+
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 $650,000, this home is listed about 53% 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 3430 WESTSHORE 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.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA REALTY RESULTS LLC · Jennifer Davis, PA. MLS #S5154115.
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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