9010 CONCORD ROAD, ST CLOUD, FL, 34773
Active126 days on marketListed Mar 17, 2026MLS #O6390874
About this home
9010 CONCORD ROAD
Virtually Staged. OPPORTUNITY AWAITS - Primary or Investment! Welcome to 9010 Concord Road in St. Cloud, Florida — a unique opportunity to own a spacious home situated on just under 1 ACRE of land with NO HOA, NO CDD and NO Flood Zone. Offering approximately 1,428 living square feet, this three-bedroom, three-bath home features an inviting open floor plan that provides flexible living and entertaining space. Recent improvements include fresh interior paint, updated landscaping, and a fully fenced yard with a driveway gate, offering both privacy and functionality. The property includes updates completed in 2007, adding to its usability and overall appeal. Whether you are searching for your next primary residence, rental property, or investment opportunity, this home presents excellent potential with room to make it your own. Step inside to a spacious foyer that leads into the dining room. The kitchen and living room are located in the center of the home, offering easy entertaining options. Don’t miss your opportunity to make this property your next home or investment. With plenty of space for vehicles, boats, campers or gardening this property offers flexibility and freedom rarely found at this price point. Holopaw has local restaurants, shopping and near the Community Center offering access to parks, playgrounds, baseball fields plus a second park including a basketball court. Orlando International Airport is 35 miles away and the Brevard County beaches are only 33 miles away. Enjoy the freedom of country-style living while still being conveniently located near local amenities, shopping, dining, and major roadways. All information is deemed reliable and shall be independently verified. Lot lines and measurements are estimated.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,428
Sqft
0.92 ac
Lot size
1958
Year built
One
Levels
$160
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.
$1,708 /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
$1,708/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.
$/sqft vs St Cloud actives
$160 vs $220
Days on market
126 vs 33 typical
Where $160/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
Get to know St Cloud. See the full St Cloud guide →
ST CLOUD 34773 — neighborhood snapshot
Population
5,495
Median age
38.2
Median income
$64,498
Median home value
$312,500
Avg household
3.06
Households w/ children
629
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)
191 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 25% below the ST CLOUD 34773 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 9010 CONCORD ROAD
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$297,500
9180 CONCORD ROAD · same community
3 bd · 2 ba · 1,440 sqft · $207/sqft · 36 DOM
Sold · Aug ’25$320,000
5303 HOLOPAW ROAD · same community
4 bd · 2 ba · 1,512 sqft · $212/sqft · 298 DOM
Sold · Dec ’25$310,000
9260 LINCOLN ROAD · same community
4 bd · 2 ba · 1,560 sqft · $199/sqft · 46 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
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 9010 CONCORD ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9010 CONCORD ROAD — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
9010 CONCORD ROAD FAQs
What would the monthly payment be for 9010 CONCORD ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,708/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 9010 CONCORD ROAD?+
The most recent tax bill on record (2025) was $1,183. 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 $229,000, this home is listed about 46% 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 9010 CONCORD ROAD?+
Harmony High School (high), Harmony Community School (elementary), Narcoossee Middle School (middle) — Osceola County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Under the ST CLOUD 34773 market on paper
$229,000 is 25% below the ST CLOUD 34773 median of $304,450, and at $160/sqft it sits under the St Cloud average of $236.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
126 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Harmony High School, Harmony Community School, Narcoossee Middle School — Harmony Community School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $259,000, now $229,000 — a $30K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BLUE MARLIN REAL ESTATE · Kimberly Fouts, PA. MLS #O6390874.
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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